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0% Purchase Credit Cards

What are the most suitable credit cards for customers looking for 0% purchase credit cards in the UK, in 2021?

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. This 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 higher 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 60 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 or 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 have 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

Purchases:
0% for 20 months
Balance Transfers:
0% for 20 months
Balance Transfer Fee:
2.9%
Representative APR:
21.9% APR (variable)
More Information

Credit Card Details

M&S Shopping Plus*
  • 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
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None
More Information

Application Criteria

M&S Shopping Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
More Information
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 Card Offers

Purchases:
0% for 18 months
Balance Transfers:
0% for 18 months
Balance Transfer Fee:
2.9%
Representative APR:
22.9% APR (variable)
More Information

Credit Card Details

HSBC Purchase Plus*
  • 0% interest on purchases for 18 months from account opening
  • 0% interest for 18 months on balance transfers made within first 60 days of account opening
  • 2.9% balance transfer fee applies (minimum £5)
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
More Information

Application Criteria

HSBC Purchase Plus*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information
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, affordability and applicable terms and conditions

0% Credit Card Offers

Purchases:
0% for up to 15 months
Balance Transfers:
0% for up to 15 months
Balance Transfer Fee:
1.45%
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 15 months
  • 0% interest for up to the first 15 months on balances transferred within first 90 days
  • 1.45% 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% Credit Card Offers

Purchases:
0% for up to 19 months
Balance Transfers:
0% for up to 19 months
Balance Transfer Fee:
3%
Representative APR:
21.9% APR (variable)
More Information

Credit Card Details

Sainsbury’s Dual Offer Credit Card
  • 0% interest on purchases for up to 19 months
  • 0% interest on balance transfers for up to 19 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
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.95% 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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Published: January 22, 2021, Updated: June 3, 2021 by 0% Credit Card Expert

All 0% credit card deals and offers on this website are updated daily