0% Purchase Credit Cards

What are the most suitable credit cards for customers looking for 0% purchase credit cards in the UK?

0% purchase credit cards are those credit cards which offer new customers a longer than average 0% introductory offer on purchases.

At the end of the introductory 0% offer period, the interest rate charged on any outstanding balance remaining on the card will revert to the card’s standard interest rate. This standard interest rate is typically around 19.9% APR variable, on most UK credit cards.

0% Purchase Credit Cards

0% purchase cards allow a customer to make purchases using their card and pay no interest on these purchases. The interest free period is for the duration of the 0% introductory offer period.

Customers will often use a 0% purchase credit card to make a high value purchase. A customer can use the card to pay for this purchase, and then pay off the purchase in monthly instalments.

For example, a customer could purchase a £3,000 holiday, using a 0% purchase credit card that offered 0% for 20 months on purchases. The customer could then pay £150 per month for 20 months and would be charged no interest. This is provided that the purchase was made within the introductory 0% offer period and that all of the monthly payments are made on time.

0% Purchase Credit Cards

Most of the over 80 UK 0% credit cards currently available do offer a 0% introductory offer on purchases. However many of these credit cards only offer 0% for a few months on purchases. Often this 0% purchases offer is only for 3 to 6 months. These cards usually have a much longer 0% offer available on balance transfers.

There are a smaller number of UK credit cards that are long 0% interest offers on purchases. These cards offer a much longer than average introductory 0% offer on purchases. These include all of the following popular featured credit cards:-


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0% Credit Card Offers

Sainsbury’s Dual Offer Credit Card
Purchases:
0% for up to 20 months
Balance Transfers:
0% for up to 20 months
Balance Transfer Fee:
3%
Representative APR:
20.9% APR (variable)
More Information

Credit Card Details

Sainsbury’s Dual Offer Credit Card
  • 0% interest on purchases for up to 20 months
  • 0% interest on balance transfers for up to 20 months
  • 3% balance transfer fee, minimum £3 on transfers made at application
  • 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: None
More Information

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
More Information
To apply for a credit card you must be a Nectar member and should have been one for at least 6 months
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

Santander All in One Credit Card
Purchases:
0% for 26 months
Balance Transfers:
0% for 26 Month
Balance Transfer Fee:
0%
Representative APR:
21.7% APR (variable)
More Information

Credit Card Details

Santander All in One Credit Card
  • 0% interest on purchases for 26 month from date account opened
  • 0% interest on balance transfers for 26 month from date account opened
  • 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
More Information

Application Criteria

Santander All in One Credit Card
  • You are a permanent UK resident
  • You have a good credit history with no history of bad credit
  • You have an income of £7,500 per year or more
  • You are at least 18 years of age
More Information
Monthly fee of £3 payable
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 of £3 payable

0% Credit Card Offers

TSB Platinum Purchase Credit Card
Purchases:
0% for up to 20 months
Balance Transfers:
0% for up to 20 months
Balance Transfer Fee:
2.95%
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

TSB Platinum Purchase Credit Card
  • 0% interest on purchases for up to the first 20 months
  • 0% interest for up to the first 20 months on balances transferred within first 90 days
  • 2.95% balance transfer fee during first 90 days, 3% fee applies afer 90 days
  • Internet fraud protection and Clicksafe
  • Online card servicing
  • Annual Fee: None
More Information

Application Criteria

TSB Platinum Purchase Credit Card
  • You are an existing TSB customer
  • You are not currently declared bankrupt, have CCJs or subject to IVA
  • You have a good credit rating and regular income
  • You are a UK resident
  • You are aged 18 or over
More Information
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)

0% Purchase Credit Cards UK

It is essential that customers, who receive new UK 0% purchase credit cards, make at least the minimum monthly payment on time each month to the credit card company. It is also important that customers do not spend any more than their credit card limit allows.

Many UK card companies will remove the 0% introductory offers due to late payment. This late payment will happen if a customer does not make the monthly payment on time. The cards’s introductory offers can also be withdrawn if a customer exceeds their allocated credit card limit.

0% purchase credit cards are available to UK customers as both MasterCard and Visa branded credit cards. Credit cards using either of these payment networks are accepted at millions of locations. This includes retailers, petrol stations, hotels and restaurants all around the world.


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