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Virgin Money 26 Month All Round Credit Card
Virgin Money 26 Month All Round Credit Card Image
0% Purchase offer duration
26 months
Rep % APR (variable)
18.9 % APR
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Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative APR will be 18.9% APR (variable)

If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative APR will be 18.9% APR (variable)

M&S Bank Credit Card
M&S Bank Credit Card Image
0% Purchase offer duration
20 months
Rep % APR (variable)
19.9 % APR
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Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

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)

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)

American Express Rewards Purchase Credit Card
American Express Rewards Purchase Credit Card Image
0% Purchase offer duration
18 months
Rep % APR (variable)
22.9 % APR
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Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

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)

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)

HSBC Matched Credit Card
HSBC Matched Credit Card Image
0% Purchase offer duration
18 months
Rep % APR (variable)
22.9 % APR
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Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

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)

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)

Nationwide Credit Card
Nationwide Credit Card Image
0% Purchase offer duration
12 months
Rep % APR (variable)
17.9 % APR
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Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

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

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

Virgin Money Travel Credit Card
Virgin Money Travel Credit Card Image
0% Purchase offer duration
12 months
Rep % APR (variable)
19.9 % APR
Check My Eligibility
See more details

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

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)

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)

Lloyds Bank 24 Month Balance Transfer Card
Lloyds Bank 24 Month Balance Transfer Card Image
0% Purchase offer duration
12 months
Rep % APR (variable)
19.9 % APR
Check My Eligibility
See more details

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

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)

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)

Halifax 24 Month Balance Transfer Credit Card
Halifax 24 Month Balance Transfer Credit Card Image
0% Purchase offer duration
12 months
Rep % APR (variable)
19.9 % APR
Check My Eligibility
See more details

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) your representative APR will be 19.9% APR (variable)

If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) your representative APR will be 19.9% APR (variable)

Halifax 20 Month Balance Transfer Card
Halifax 20 Month Balance Transfer Card Image
0% Purchase offer duration
6 months
Rep % APR (variable)
19.9 % APR
Check My Eligibility
See more details

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) your representative APR will be 19.9% APR (variable)

If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) your representative APR will be 19.9% APR (variable)

aqua Classic with 6 months 0% Purchase
aqua Classic with 6 months 0% Purchase Image
0% Purchase offer duration
6 months
Rep % APR (variable)
34.9 % APR
Check My Eligibility
See more details

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 34.95% p.a. (variable) your representative APR will be 34.9% APR (variable)

If you spend £1,200 at a purchase interest rate of 34.95% p.a. (variable) your representative APR will be 34.9% APR (variable)

M&S Bank Reward Plus Credit Card
M&S Bank Reward Plus Credit Card Image
0% Purchase offer duration
6 months
Rep % APR (variable)
19.9 % APR
Check My Eligibility
See more details

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

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)

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)

marbles Classic with 5 months 0% Purchase Offer
marbles Classic with 5 months 0% Purchase Offer Image
0% Purchase offer duration
5 months
Rep % APR (variable)
34.9 % APR
Check My Eligibility
See more details

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 34.95% p.a. (variable) your representative APR will be 34.9% APR (variable)

If you spend £1,200 at a purchase interest rate of 34.95% p.a. (variable) your representative APR will be 34.9% APR (variable)

Capital One Classic Purchase Card
Capital One Classic Purchase Card Image
0% Purchase offer duration
3 months
Rep % APR (variable)
34.9 % APR
Check My Eligibility
See more details

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

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)

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)

Luma Purchase
Luma Purchase Image
0% Purchase offer duration
3 months
Rep % APR (variable)
35.9 % APR
Check My Eligibility
See more details

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 35.94% p.a. (variable) your representative APR will be 35.9% APR (variable)

If you spend £1,200 at a purchase interest rate of 35.94% p.a. (variable) your representative APR will be 35.9% APR (variable)

HSBC Balance Transfer Credit Card
HSBC Balance Transfer Credit Card Image
0% Purchase offer duration
3 months
Rep % APR (variable)
21.9 % APR
Check My Eligibility
See more details

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

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)

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)

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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.