Compare the Top 0% Purchase Credit Card Deals with TotallyMoney

0% Purchase offer duration

21 mths

Representative % APR (variable)

23.9% APR

Representative Example

If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) your representative APR will be 23.9% APR (variable)

0% Purchase offer duration

20 mths

Representative % APR (variable)

23.9% APR

Check my eligibility

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Representative Example

If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) your representative APR will be 23.9% APR (variable)

0% Purchase offer duration

18 mths

Representative % APR (variable)

22.9% APR

Check my eligibility

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Representative Example

If you spend £1,200 at a purchase interest rate of 22.94% p.a. (variable) your representative APR will be 22.9% APR (variable)

0% Purchase offer duration

16 mths

Representative % APR (variable)

22.9% APR

Check my eligibility

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Representative Example

If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) your representative APR will be 22.9% APR (variable)

0% Purchase offer duration

14 mths

Representative % APR (variable)

22.9% APR

Check my eligibility

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Representative Example

If you spend £1,200 at a purchase interest rate of 22.94% p.a. (variable) your representative APR will be 22.9% APR (variable)

0% Purchase offer duration

14 mths

Representative % APR (variable)

26.9% APR

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Representative Example

If you spend £1,200 at a purchase interest rate of 26.9% p.a. (variable) your representative APR will be 26.9% APR (variable)

0% Purchase offer duration

12 mths

Representative % APR (variable)

21.9% APR

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Representative Example

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

0% Purchase offer duration

12 mths

Representative % APR (variable)

29.9% APR

Check my eligibility

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Representative Example

If you spend £1,200 at a purchase interest rate of 29.9% p.a. (variable) your representative APR will be 29.9% APR (variable)

0% Purchase offer duration

12 mths

Representative % APR (variable)

29.9% APR

Check my eligibility

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Representative Example

If you spend £1,200 at a purchase interest rate of 29.9% p.a. (variable) your representative APR will be 29.9% APR (variable)

0% Purchase offer duration

9 mths

Representative % APR (variable)

22.9% APR

Check my eligibility

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Representative Example

If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) your representative APR will be 22.9% APR (variable)

0% Purchase offer duration

9 mths

Representative % APR (variable)

26.9% APR

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 26.9% p.a. (variable) your representative APR will be 26.9% APR (variable)

0% Purchase offer duration

9 mths

Representative % APR (variable)

29.9% APR

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 29.9% p.a. (variable) your representative APR will be 29.9% APR (variable)

0% Purchase offer duration

9 mths

Representative % APR (variable)

29.9% APR

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 29.9% p.a. (variable) your representative APR will be 29.9% APR (variable)

0% Purchase offer duration

4 mths

Representative % APR (variable)

34.9% APR

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Representative Example

If you spend £1,200 at a purchase interest rate of 34.94% p.a. (variable) your representative APR will be 34.9% APR (variable)

0% Purchase offer duration

3 mths

Representative % APR (variable)

22.9% APR

Check my eligibility

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Representative Example

If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) your representative APR will be 22.9% APR (variable)

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Showing 15 of 26 Cards

What are the different types of credit card?

You can find out more information about the different types of credit card in our guide

What does ’pre-approved’ mean?

If you are pre-approved, this means that you will get the card or loan, at the rate advertised, providing the information you give us in accurate and you pass the lender’s final checks, which include fraud and responsible lending safeguards

Exclusive Offer

Exclusive to the TotallyMoney comparison platform. This offer may appear on sites that we power or advertise through.

Pre-population

When you click to go to a lender we may pass over your details to help speed up the application process

Can’t see a particular card?

We frequently update our product offering meaning the cards shown on this table may change. If you can’t find what you are looking for, this may be because we have recently updated our table and removed a particular product.

What is a 0% purchase card?

If you’re planning a major purchase, a 0% purchase credit card is the cheapest way to borrow. These cards offer an interest-free period during which you can spread the cost of larger purchases.

Providing you can pay the entire balance back before the interest-free period ends, a 0% purchase card can be an unrivalled addition to your wallet.

Aside from taking advantage of the interest rate offers available, 0% purchase cards offer free consumer protection: Under Section 75, the credit card company is jointly liable with the supplier for any failed goods and services between £100 and £30,000 – making a 0% purchase card a useful tool when online shopping.

Is a 0% purchase card right for me?

For larger purchases, such as annual season tickets, 0% purchase cards make an ideal choice. However, existing debts or uncleared balances can quickly wipe out the benefits of these cards. Read this to find out if a 0% purchase card is right for you:

Can you afford to clear the debt quickly? If you know you can repay for larger purchases within the card’s interest free period, a 0% purchase card is ideal for you.

Do you have a good credit score? Each lender has their own criteria, but if you are starting to build up your credit history you could struggle to get a 0% purchase card. Our credit comparison tool will find out if there are any deals you may be accepted for, without harming your credit rating.

Do you have existing credit card debts? If you’re currently paying interest on an existing card, it’s most likely that your best option is to transfer your debt to a 0% balance transfer card. Check out our best balance transfer cards here.

Golden rules for 0% purchase cards

Check before you transfer a balance: If you transfer an existing credit card balance to a 0% purchase card, you may find yourself being charged interest. Check your deal carefully to see if the 0% is for balance transfers as well as purchases. It pays to read the full terms and conditions.

Ensure your borrowing stays free: If you miss a payment, or are late making a payment, you may incur a financial penalty. Combat this by setting up a direct debit to cover at least the minimum repayment each month.

Understand your minimum payments: The amount you repay each month on a 0% purchase card is not decided according to your interest rate. Instead, you have a lot more control over your payments. You can opt to either pay the minimum or you can ask to repay a set amount each month. If there is a chance that the minimum payment will be higher than your current credit card, make sure you can afford it.

Never outstay your welcome: Be aware that the 0% interest on your card is only for a limited time. It’s worth making a note of this date in your phone or diary. When it runs out, any remaining balance will start incurring interest at a usually uncompetitive rate. Clearing your balance before the 0% period runs out is highly recommended.

In the event that you can’t clear your balance in time, switch the debt to a new balance transfer card. Just ensure you allow enough time for the application to be processed. Start shopping around for a new card at least a month before your 0% interest offer runs out – our free credit card comparison tool can help.

Compare purchase credit cards

M&S Shopping Plus Credit Card

21 mths

23.9% APR

HSBC Purchase Plus Credit Card

20 mths

23.9% APR

MBNA Dual 0% Transfer and Purchase Credit Card

18 mths

22.9% APR

Virgin Money 16 Month All Round Card - Guaranteed 22.9% APR

16 mths

22.9% APR

Tesco Bank 14 Month Purchase Credit Card

14 mths

22.9% APR

Virgin Money 14 Month All Round Card - Guaranteed 26.9% APR

14 mths

26.9% APR

M&S Bank Reward Plus Credit Card

12 mths

21.9% APR

Virgin Money 12 Month All Round Credit Card - Guaranteed 29.9% APR

12 mths

29.9% APR

Virgin Money 12 Month All Round Card - Guaranteed 29.9% APR

12 mths

29.9% APR

Virgin Money Travel Credit Card - Guaranteed 22.9% APR

9 mths

22.9% APR

Virgin Money Travel Credit Card - Guaranteed 26.9% APR

9 mths

26.9% APR

Virgin Money 9 Month All Round Credit Card - Guaranteed 29.9% APR

9 mths

29.9% APR

Virgin Money Travel Credit Card - Guaranteed 29.9% APR

9 mths

29.9% APR

Capital One Complete Card

4 mths

34.9% APR

Virgin Money 12 Month Balance Transfer Card - Guaranteed 22.9% APR

3 mths

22.9% APR

What are the different types of credit card?

What does ’pre-approved’ mean?

Exclusive Offer

Pre-population

Can’t see a particular card?

What is a 0% purchase card?

Is a 0% purchase card right for me?

Golden rules for 0% purchase cards