Skip to main content

Compare purchase credit cards

Hero Illustration
  • Tick

    Get your free credit report

  • Tick

    No harm to your credit rating

  • Tick

    See your best offers

  • Tick

    Free forever

Hero Illustration

Financial Conduct Authority 

Authorised & Regulated

How much would you like to spend?£
What is your current APR?%APR

Santander All in One Credit Card

Loading...
0% Purchase offer duration
20 mths
Representative % APR (variable)
23.7% APR
You'll save £423

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 17.9% p.a. (variable) with an annual fee of £36 your representative APR will be 23.7% APR (variable)

Virgin Money 19 Month All Round Card - Guaranteed 21.9% APR

Loading...
0% Purchase offer duration
19 mths
Representative % APR (variable)
21.9% APR
You'll save £404

Representative Example

Tooltip

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)

Virgin Money 19 Month All Round Card - Guaranteed 23.9% APR

Loading...
0% Purchase offer duration
19 mths
Representative % APR (variable)
23.9% APR
You'll save £404

Representative Example

Tooltip

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)

Virgin Money 19 Month All Round Card - Guaranteed 25.9% APR

Loading...
0% Purchase offer duration
19 mths
Representative % APR (variable)
25.9% APR
You'll save £404

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 25.9% p.a. (variable) your representative APR will be 25.9% APR (variable)

M&S Shopping Plus Credit Card

Loading...
0% Purchase offer duration
22 mths
Representative % APR (variable)
21.9% APR
You'll save £397

Representative Example

Tooltip

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)

MBNA 21 Month Balance Transfer and Purchase Card

Loading...
0% Purchase offer duration
21 mths
Representative % APR (variable)
21.9% APR
You'll save £383

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 21.93% p.a. (variable) your representative APR will be 21.9% APR (variable)

Capital One Complete 20 month Credit Card

Loading...
0% Purchase offer duration
20 mths
Representative % APR (variable)
24.9% APR
You'll save £354

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 24.93% p.a. (variable) your representative APR will be 24.9% APR (variable)

Capital One Complete 18 month Credit Card

Loading...
0% Purchase offer duration
18 mths
Representative % APR (variable)
24.9% APR
You'll save £327

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 24.93% p.a. (variable) your representative APR will be 24.9% APR (variable)

Capital One Complete 15 month Credit Card - Guaranteed 19.9% APR

Loading...
0% Purchase offer duration
15 mths
Representative % APR (variable)
19.9% APR
You'll save £284

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 19.94% p.a. (variable) your representative APR will be 19.9% APR (variable)

Capital One Complete 15 month Credit Card - Guaranteed 24.9% APR

Loading...
0% Purchase offer duration
15 mths
Representative % APR (variable)
24.9% APR
You'll save £284

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 24.93% p.a. (variable) your representative APR will be 24.9% APR (variable)

Virgin Money 12 Month All Round Card - Guaranteed 27.9% APR

Loading...
0% Purchase offer duration
12 mths
Representative % APR (variable)
27.9% APR
You'll save £264

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 27.9% p.a. (variable) your representative APR will be 27.9% APR (variable)

Post Office Classic 12 month Dual Credit Card

Loading...
0% Purchase offer duration
12 mths
Representative % APR (variable)
24.9% APR
You'll save £250

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 24.93% p.a. (variable) your representative APR will be 24.9% APR (variable)

M&S Bank Reward Plus Credit Card

Loading...
0% Purchase offer duration
12 mths
Representative % APR (variable)
19.9% APR
You'll save £244

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative APR will be 19.9% APR (variable)

Capital One Complete 12 month Credit Card

Loading...
0% Purchase offer duration
12 mths
Representative % APR (variable)
24.9% APR
You'll save £237

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 24.93% p.a. (variable) your representative APR will be 24.9% APR (variable)

Capital One Purchase 10 month Credit Card

Loading...
0% Purchase offer duration
10 mths
Representative % APR (variable)
24.9% APR
You'll save £203

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 24.93% p.a. (variable) your representative APR will be 24.9% APR (variable)

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?

Pre-approved means you will get accepted for the card, and at the rate advertised, providing the information you give is accurate and you pass the lender's checks (which may include a responsible lending check using open banking information).

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.

Coronavirus help and support

You can find more information about coronavirus help and support here.

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.

TotallyMoney Logo

We're on a mission to improve the UK's credit score and help people move on up to a better future.


TotallyMoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Trading Address and Registered Office: Chapter House, 16 Brunswick Place, London N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.

We use cookies as described in our Cookie Policy. Continue browsing or click to accept.