Comparing UK 0% credit cards online since 2002Purchases
0% Credit Cards for Purchases
Displayed below is every UK credit card currently available online that has a 0% introductory offer on purchases.
Balance Transfers
0% Credit Cards for Balance Transfers
Displayed below is every UK credit card currently available online that has a 0% introductory offer on balance transfers.
0% Credit Cards with 28 Months on Purchases
0% Credit Card Offers
Purchases:
0% for 28 months
Balance Transfers:
0% for 18 months
Balance Transfer Fee:
2%
Representative APR:
19.9% APR (variable)
Credit Card Details
Virgin Money Purchase Credit Card
- 0% for 28 months on purchases from date your account is opened
- 0% for 18 months on balance transfers from date your account is opened
- 2% balance transfer fee in first 60 days, 5% fee applies after 60 days
- Discounts on Virgin holidays, Virgin media and Virgin trains
- Contactless payment technology for purchases of £30 or under
- Choice of card designs
- Annual fee for card: None
Application Criteria
Virgin Money Purchase Credit Card
- You have a permanent UK address
- You have a bank or building society account
- You have a good credit rating
- You are aged 18 or over
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)
0% Credit Cards with 27 Months on Purchases
0% Credit Card Offers
Purchases:
0% for 27 months
Balance Transfers:
0% for 27 months
Balance Transfer Fee:
2.7%
Representative APR:
19.9% APR (variable)
Credit Card Details
Barclaycard Platinum All Rounder Credit Card
- 0% interest on purchases for 27 months from account opening
- 0% interest on balance transfers for 27 months from account opening
- Fee of 3.5% will be applied, then reduced to 2.7% by a refund (terms apply)
- Contactless payment technology for purchases of £30 or under
- Online account servicing
- Annual Fee: £0
Application Criteria
Barclaycard Platinum All Rounder Credit Card
- You are a UK resident
- You have a regular income of more than £20,000 pa
- You have a good credit rating
- You have no history of bankruptcy or late payments
- You are aged 21 or over
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)
0% Credit Card Offers
Purchases:
0% for 27 months
Balance Transfers:
0% for 27 months
Balance Transfer Fee:
2.69%
Representative APR:
20.9% APR (variable)
Credit Card Details
MBNA Transfer and Purchase Credit Card
- 0% interest for up to 27 months on card purchases
- 0% interest for up to 27 months on balance transfers
- 2.69% balance transfer fee for the first 60 days and 5% fee thereafter
- Contactless payments to quickly and securely pay for purchases under £30
- Online card servicing
- Annual Fee: £0
Application Criteria
MBNA Transfer and Purchase Credit Card
- You must be aged 18 or over
- You must hold a UK bank account
- You must have been a permanent UK resident for at least 3 years
- You must have a good credit rating
Representative Example: 20.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.93% p.a. (variable)
The product, APR and promotional offer you could get may differ from the example
0% Credit Cards with 26 Months on Purchases
0% Credit Card Offers
Purchases:
0% for up to 26 months
Balance Transfers:
0% for up to 26 months
Balance Transfer Fee:
3%
Representative APR:
20.9% APR (variable)
Credit Card Details
Sainsbury’s Dual Offer Credit Card
- 0% interest on purchases for up to 26 months
- 0% interest on balance transfers for up to 26 months
- 3% balance transfer fee, minimum £3
- Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
- Collect 1 Nectar point for every £5 spent on your card elsewhere
- Online account management
- Annual Fee: £0
Application Criteria
Sainsbury’s Dual Offer Credit Card
- You have a permanent UK address
- You have not been declined for credit in the last month
- You do not have a history of bad credit
- You are aged 18 or over
Representative Example: 20.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.95% p.a. (variable)
0% Credit Card Offers
Purchases:
0% for 26 months
Balance Transfers:
0% for 26 months
Balance Transfer Fee:
0%
Representative APR:
21.7% APR (variable)
Credit Card Details
Santander All in One Credit Card
- 0% on purchases for 26 month from date of account opening
- 0% on balance transfers for 26 month from date of account opening
- 0% balance transfer fee
- 0.5% cashback on all of your purchases
- No foreign transaction fee on purchases made abroad in local currency
- Cashback through Retailer Offers
- Monthly Fee: £3
Application Criteria
Santander All in One Credit Card
- You live in the UK permanently
- You have a good credit record
- You have an income of £7,500 per year or more
- You are 18 years of age or more
Monthly fee payable of £3
Representative Example: 21.7% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable) with a monthly fee payable of £3
0% Credit Card Offers
Purchases:
0% for 26 months
Balance Transfers:
0% for 12 months
Balance Transfer Fee:
3%
Representative APR:
18.9% APR (variable)
Credit Card Details
Clydesdale Bank Gold Credit Card
- 0% interest on purchases for 26 months from account opening
- 0% interest on balance transfers for 12 months from account opening
- 3% balance transfer fee, minimum £3
- Contactless payment technology for purchases up to £30
- Online account management
- Annual Fee: £0
Application Criteria
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
0% Credit Card Offers
Purchases:
0% for 26 months
Balance Transfers:
0% for 12 months
Balance Transfer Fee:
3%
Representative APR:
18.9% APR (variable)
Credit Card Details
Yorkshire Bank Gold Credit Card
- 0% interest on purchases for 26 months from account opening
- 0% interest on balance transfers for 12 months from account opening
- 3% balance transfer fee, minimum £3
- Contactless payment technology for purchases up to £30
- Online account management
- Annual Fee: £0
Application Criteria
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
0% Credit Card Offers
Purchases:
0% for 26 months
Balance Transfers:
0% for 3 months
Balance Transfer Fee:
3%
Representative APR:
20.9% APR (variable)
Credit Card Details
Sainsbury’s Purchase Credit Card
- 0% interest on purchases for 26 months
- 0% interest on balance transfers for your first 3 months
- 3% balance transfer fee, minimum £3
- Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
- Collect 1 Nectar point for every £5 spent on your card elsewhere
- Online account management
- Annual Fee: £0
Application Criteria
Sainsbury’s Purchase Credit Card
- You have a permanent UK address
- You have not been declined for credit in the last month
- You do not have a history of bad credit
- You are aged 18 or over
Representative Example: 20.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.95% p.a. (variable)
0% Credit Card Offers
Purchases:
0% interest for up to 26 months
Balance Transfers:
0% interest for 3 months
Balance Transfer Fee:
2.9%
Representative APR:
19.9% APR (variable)
Credit Card Details
Tesco Clubcard Credit Card for Purchases
- 0% interest for up to 26 months on purchases from account opening
- 0% interest for 3 months on balance transfers from account opening
- 2.9% balance transfer fee
- Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
- Apply online and get a decision within 60 seconds
- Online account management
- Annual Fee: £0
Application Criteria
Tesco Clubcard Credit Card for Purchases
- You have an annnual income of at least £5,000
- You are at least 18 years of age
- You have a good credit history
- You live in the UK, or have a British Forces Post Office address
- You do not currently hold more than 1 Tesco Bank Credit Card
- You have not applied for a Tesco Bank Credit Card in the last month or have an application currently in progress
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)
0% Credit Cards with 24 Months on Purchases
0% Credit Card Offers
Purchases:
0% for 24 months
Balance Transfers:
0% for 24 months
Balance Transfer Fee:
2.49%
Representative APR:
19.9% APR (variable)
Credit Card Details
Bank of Ireland (UK) MasterCard Matched Credit Card
- 0% on purchases for 24 months from account opening
- 0% on balance transfers for 24 months from account opening
- 2.49% balance transfer fee
- Up to 3 additional cardholders free of charge
- Contactless payments
- Annual Fee: £0
Application Criteria
Bank of Ireland (UK) MasterCard Matched Credit Card
- You are a Northern Ireland resident or Bank Of Ireland (UK) customer
- You have a good credit history
- You are aged 18 or over
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)
0% Credit Card Offers
Purchases:
0% for up to 24 months
Balance Transfers:
0% for up to 24 months
Balance Transfer Fee:
3%
Representative APR:
19.9% APR (variable)
Credit Card Details
Halifax 24 Month Credit Card
- 0% for up to 24 months from account opening on purchases
- 0% for up to 24 months from account opening on balance transfers within the first 90 days
- 3% balance transfer fee
- Cover against online fraud when purchasing on the Internet
- Manage your card online using Online Banking and Mobile Banking
- Annual Fee: £0
Application Criteria
Halifax 24 Month Credit Card
- You are a UK resident
- You have a regular income
- You do not have any Count Court Judgements against you
- You are aged 18 or over
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances
0% Credit Cards with 23 Months on Purchases
0% Credit Card Offers
Purchases:
0% for 20 months
Balance Transfers:
0% for 23 months
Balance Transfer Fee:
2.9%
Representative APR:
21.9% APR (variable)
Credit Card Details
Virgin Money 23 Month All Round Credit Card
- 0% for 20 months on purchases from account opening
- 0% for 23 months on balance transfers from account opening
- 2.9% balance transfer fee in first 60 days, 5% fee applies after 60 days
- Discounts on Virgin holidays, Virgin media and Virgin trains
- Contactless payment technology for purchases of £30 or under
- Choice of card designs
- Annual fee for card: None
Application Criteria
Virgin Money 23 Month All Round Credit Card
- You have a permanent UK address
- You have a bank or building society account
- You have a good credit rating
- You are aged 18 or over
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
0% Credit Cards with 20 Months on Purchases
0% Credit Card Offers
Purchases:
0% for 20 months
Balance Transfers:
0% for 20 months
Balance Transfer Fee:
2.9%
Representative APR:
19.9% APR (variable)
Credit Card Details
M&S Shopping Plus Credit Card*
- 0% on purchases for 20 months from account opening
- 0% for 20 months on balance transfers made within 90 days of account opening
- 2.9% balance transfer fee, minimum £5
- Collect M&S points every time you shop anywhere in the world with your card
- Preferential rates when you use your card to order M&S Travel Money
- Manage account online
- Annual Fee: £0
Application Criteria
M&S Shopping Plus Credit Card*
- You are a UK resident
- You have a UK bank or building society account
- You are aged 18 or over
- You have not held a credit card with M&S Bank within previous 12 months
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)
0% Credit Card Offers
Purchases:
0% for up to 20 months
Balance Transfers:
0% for up to 20 months
Balance Transfer Fee:
3%
Representative APR:
19.9% APR (variable)
Credit Card Details
Bank of Scotland 20 Month Credit Card
- 0% interest for 20 months from account opening on purchases
- 0% interest for first 20 months from account opening on balance transfers made within first 90 days
- 3% balance transfer fee
- Cover against online fraud when purchasing on the Internet
- Manage your card online using Internet Banking and Mobile Banking
- Annual Fee: £0
Application Criteria
Bank of Scotland 20 Month Credit Card
- You are a UK resident
- You have a regular income
- You are aged 18 or over
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances
0% Credit Card Offers
Purchases:
0% for up to 20 months
Balance Transfers:
0% for up to 20 months
Balance Transfer Fee:
3%
Representative APR:
19.9% APR (variable)
Credit Card Details
Lloyds Platinum 20 Month Credit Card
- 0% interest for up to 20 months from account opening on purchases
- 0% interest for up to 20 months from account opening on balance transfers
- 3% balance transfer fee
- Lloyds Bank ClickSafe
- Online servicing with Internet Banking
- Annual Fee: £0
Application Criteria
Lloyds Platinum 20 Month Credit Card
- You are a UK resident
- You have a regular income
- You have a good credit history free from any county court judgements
- You are aged 18 or over
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.94% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances
0% Credit Cards with 18 Months on Purchases
0% Credit Card Offers
Purchases:
0% for 18 months
Balance Transfers:
0% for 18 months
Balance Transfer Fee:
2.9%
Representative APR:
22.9% APR (variable)
Credit Card Details
HSBC Purchase Plus Credit Card
- 0% on purchases for 18 months from account opening
- 0% interest for 18 months on balance transfers made within 60 days of account opening
- 2.9% balance transfer fee (minimum £5)
- At the end of 0% offer period, balance transfers and purchases will revert to standard variable rate
- home&Away rewards programme giving you instant discounts from well-known brands
- Online account management
- Annual Fee: £0
Application Criteria
HSBC Purchase Plus Credit Card
- You have an annual income or pension before tax of £8,500 or more
- You are a UK resident, including Isle of Man and Channel Islands
- You are aged 18 or over
- You do not hold an HSBC Basic bank account
Representative Example: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
Credit is subject to status
0% Credit Card Offers
Purchases:
0% for 18 months
Balance Transfers:
0% for 18 months
Balance Transfer Fee:
0%
Representative APR:
49.8% APR (variable)
Credit Card Details
Santander World Elite Credit Card
- 0% for 18 months on purchases from date of account opening
- 0% for 18 months on balance transfers from date of account opening
- 0% balance transfer fee
- 0.5% on all purchases up to a maximum monthly spend of £3,000
- Unlimited airport lounge access
- Access to over 1 million Wi-Fi hotspots
- Monthly Fee: £15
Application Criteria
Santander World Elite Credit Card
- You are a Santander Select or Private customer
- You have an income in excess of £7,500 per year or more
- You live in the UK permanently
- You are aged 18 or over
Representative Example: 49.8% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable) with a monthly fee payable of £15
0% Credit Card Offers
Purchases:
0% for 18 months
Balance Transfers:
No offer
Balance Transfer Fee:
3%
Representative APR:
22.9% APR (variable)
Credit Card Details
American Express Rewards Purchases Credit Card
- 0% for first 18 months on purchases
- No introductory balance transfer offer
- 3% balance transfer fee
- Earm Membership Rewards points on card purchases
- Redeem Membership Rewards points with choice of partners
- Annual Fee: £0
Application Criteria
American Express Rewards Purchases Credit Card
- You have a current UK bank or building society account
- You have a permanent UK home address
- You have no history of bad debt
- You are aged 18 or over
Representative Example: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
0% Credit Cards with 17 Months on Purchases
0% Credit Card Offers
Purchases:
0% for 17 months
Balance Transfers:
None
Balance Transfer Fee:
2.9%
Representative APR:
16.9% APR (variable)
Credit Card Details
First Direct Gold Credit Card
- 0% on purchases for 17 months
- This card has no balance transfer offer
- 2.9% balance transfer fee, minimum £5
- Option of regular text message mini-statements direct to your mobile phone
- Minimum credit limit of £500
- Annual Fee: £0
Application Criteria
First Direct Gold Credit Card
- You are a First Direct 1st Account holder
- You are a UK resident
- You are aged 18 or over
This card is ONLY available to First Direct 1st Account customers
Representative Example: 16.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 16.9% p.a. (variable)
0% Credit Cards with 15 Months on Purchases
0% Credit Card Offers
Purchases:
0% for 15 months
Balance Transfers:
0% for 15 months
Balance Transfer Fee:
0.85%
Representative APR:
19.9% APR (variable)
Credit Card Details
Tesco 15 Month All Round Credit Card
- 0% on purchases for 15 month from account opening
- 0% interest on balance transfers for 15 month from account opening
- 0.85% balance transfer fee during first month
- Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
- Online account management
- Annual Fee: £0
Application Criteria
Tesco 15 Month All Round Credit Card
- You have an annnual income of at least £5,000
- You are at least 18 years of age
- You have a good credit history
- You live in the UK, or have a British Forces Post Office address
- You do not currently hold more than 1 Tesco Bank Credit Card
- You have not applied for a Tesco Bank Credit Card in the last month or have an application currently in progress
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)