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Financial Conduct Authority Authorised & Regulated

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

You are guaranteed to get the APR shown if you're accepted

Santander All in One Credit Card
Santander All in One Credit Card Image
0% Purchase offer duration
20 months
Representative % APR (variable)
23.7 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example gives you an idea of how much it could cost if you borrowed an example amount. This helps you compare different products and provides a guide on how much taking out credit could cost. Your personal offer may be different to this, so make sure you read the details of any offer a lender makes to you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR refers to the rate that at least 51% of those accepted for the product will get.

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)

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Guaranteed APR

You are guaranteed to get the APR shown if you're accepted

Virgin Money 19 Month All Round Card - Guaranteed 21.9% APR
Virgin Money 19 Month All Round Card - Guaranteed 21.9% APR Image
0% Purchase offer duration
19 months
Representative % APR (variable)
21.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example gives you an idea of how much it could cost if you borrowed an example amount. This helps you compare different products and provides a guide on how much taking out credit could cost. Your personal offer may be different to this, so make sure you read the details of any offer a lender makes to you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR refers to the rate that at least 51% of those accepted for the product will get.

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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Guaranteed APR

You are guaranteed to get the APR shown if you're accepted

Virgin Money 19 Month All Round Card - Guaranteed 23.9% APR
Virgin Money 19 Month All Round Card - Guaranteed 23.9% APR Image
0% Purchase offer duration
19 months
Representative % APR (variable)
23.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example gives you an idea of how much it could cost if you borrowed an example amount. This helps you compare different products and provides a guide on how much taking out credit could cost. Your personal offer may be different to this, so make sure you read the details of any offer a lender makes to you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR refers to the rate that at least 51% of those accepted for the product will get.

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)

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Guaranteed APR

You are guaranteed to get the APR shown if you're accepted

Virgin Money 19 Month All Round Card - Guaranteed 25.9% APR
Virgin Money 19 Month All Round Card - Guaranteed 25.9% APR Image
0% Purchase offer duration
19 months
Representative % APR (variable)
25.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example gives you an idea of how much it could cost if you borrowed an example amount. This helps you compare different products and provides a guide on how much taking out credit could cost. Your personal offer may be different to this, so make sure you read the details of any offer a lender makes to you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR refers to the rate that at least 51% of those accepted for the product will get.

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)

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MBNA 20 Month Balance Transfer and Purchase Card
MBNA 20 Month Balance Transfer and Purchase Card Image
0% Purchase offer duration
20 months
Representative % APR (variable)
20.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example gives you an idea of how much it could cost if you borrowed an example amount. This helps you compare different products and provides a guide on how much taking out credit could cost. Your personal offer may be different to this, so make sure you read the details of any offer a lender makes to you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR refers to the rate that at least 51% of those accepted for the product will get.

If you spend £1,200 at a purchase interest rate of 20.93% p.a. (variable) your representative APR will be 20.9% APR (variable)

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M&S Bank Credit Card
M&S Bank Credit Card Image
0% Purchase offer duration
20 months
Representative % APR (variable)
21.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example gives you an idea of how much it could cost if you borrowed an example amount. This helps you compare different products and provides a guide on how much taking out credit could cost. Your personal offer may be different to this, so make sure you read the details of any offer a lender makes to you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR refers to the rate that at least 51% of those accepted for the product will get.

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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Guaranteed APR

You are guaranteed to get the APR shown if you're accepted

Virgin Money 12 Month All Round Card - Guaranteed 27.9% APR
Virgin Money 12 Month All Round Card - Guaranteed 27.9% APR Image
0% Purchase offer duration
12 months
Representative % APR (variable)
27.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example gives you an idea of how much it could cost if you borrowed an example amount. This helps you compare different products and provides a guide on how much taking out credit could cost. Your personal offer may be different to this, so make sure you read the details of any offer a lender makes to you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR refers to the rate that at least 51% of those accepted for the product will get.

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)

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GUARANTEED APR

You are guaranteed to get the APR shown if you're accepted

Post Office Classic 12 month Dual Credit Card
Post Office Classic 12 month Dual Credit Card Image
0% Purchase offer duration
12 months
Representative % APR (variable)
24.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example gives you an idea of how much it could cost if you borrowed an example amount. This helps you compare different products and provides a guide on how much taking out credit could cost. Your personal offer may be different to this, so make sure you read the details of any offer a lender makes to you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR refers to the rate that at least 51% of those accepted for the product will get.

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)

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GUARANTEED APR

You are guaranteed to get the APR shown if you're accepted

Virgin Money Travel Credit Card - Rep 21.9% APR
Virgin Money Travel Credit Card - Rep 21.9% APR Image
0% Purchase offer duration
9 months
Representative % APR (variable)
21.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example gives you an idea of how much it could cost if you borrowed an example amount. This helps you compare different products and provides a guide on how much taking out credit could cost. Your personal offer may be different to this, so make sure you read the details of any offer a lender makes to you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR refers to the rate that at least 51% of those accepted for the product will get.

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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GUARANTEED APR

You are guaranteed to get the APR shown if you're accepted

Virgin Money Travel Credit Card - Rep 23.9% APR
Virgin Money Travel Credit Card - Rep 23.9% APR Image
0% Purchase offer duration
9 months
Representative % APR (variable)
23.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example gives you an idea of how much it could cost if you borrowed an example amount. This helps you compare different products and provides a guide on how much taking out credit could cost. Your personal offer may be different to this, so make sure you read the details of any offer a lender makes to you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR refers to the rate that at least 51% of those accepted for the product will get.

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)

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GUARANTEED APR

You are guaranteed to get the APR shown if you're accepted

Virgin Money Travel Credit Card - Rep 25.9% APR
Virgin Money Travel Credit Card - Rep 25.9% APR Image
0% Purchase offer duration
9 months
Representative % APR (variable)
25.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example gives you an idea of how much it could cost if you borrowed an example amount. This helps you compare different products and provides a guide on how much taking out credit could cost. Your personal offer may be different to this, so make sure you read the details of any offer a lender makes to you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR refers to the rate that at least 51% of those accepted for the product will get.

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)

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GUARANTEED APR

You are guaranteed to get the APR shown if you're accepted

Virgin Money Travel Credit Card - Rep 27.9% APR
Virgin Money Travel Credit Card - Rep 27.9% APR Image
0% Purchase offer duration
9 months
Representative % APR (variable)
27.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example gives you an idea of how much it could cost if you borrowed an example amount. This helps you compare different products and provides a guide on how much taking out credit could cost. Your personal offer may be different to this, so make sure you read the details of any offer a lender makes to you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR refers to the rate that at least 51% of those accepted for the product will get.

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)

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GUARANTEED APR

You are guaranteed to get the APR shown if you're accepted

Post Office Classic 6 month Dual Credit Card
Post Office Classic 6 month Dual Credit Card Image
0% Purchase offer duration
6 months
Representative % APR (variable)
24.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example gives you an idea of how much it could cost if you borrowed an example amount. This helps you compare different products and provides a guide on how much taking out credit could cost. Your personal offer may be different to this, so make sure you read the details of any offer a lender makes to you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR refers to the rate that at least 51% of those accepted for the product will get.

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)

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M&S Bank Reward Plus Credit Card
M&S Bank Reward Plus Credit Card Image
0% Purchase offer duration
6 months
Representative % APR (variable)
19.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example gives you an idea of how much it could cost if you borrowed an example amount. This helps you compare different products and provides a guide on how much taking out credit could cost. Your personal offer may be different to this, so make sure you read the details of any offer a lender makes to you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR refers to the rate that at least 51% of those accepted for the product will get.

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)

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GUARANTEED APR

You are guaranteed to get the APR shown if you're accepted

Capital One Complete Card
Capital One Complete Card Image
0% Purchase offer duration
4 months
Representative % APR (variable)
34.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example gives you an idea of how much it could cost if you borrowed an example amount. This helps you compare different products and provides a guide on how much taking out credit could cost. Your personal offer may be different to this, so make sure you read the details of any offer a lender makes to you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR refers to the rate that at least 51% of those accepted for the product will get.

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)

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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 do 'pre-approved' and 'card 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).

Card approved means that you will get accepted for the card, providing the information you give is accurate and you pass the lender's checks, but could be offered a different rate to that advertised.

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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.