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 introductory offer of 0% 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 18.9% APR variable on most UK 0% purchase credit cards.

0% Purchase Credit Cards0% purchase credit cards allow a customer to make purchases using the credit card and pay no interest on these purchases, for the duration of the 0% introductory offer period.

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

For example, a customer could purchase a new £3,000 flat screen TV or a holiday, using a 0% purchase credit card that offered 0% for 20 months on purchases. The customer could then pay £150 per month for 29 months and would be charged no interest, provided the purchase was made within the introductory 0% offer period and all of the monthly payments were made on time.

0% Purchase Credit Cards

Most of the over 90 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, typically 3 to 6 months, with a far longer introductory offer available on balance transfers.

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

0% Credit Card Offers

M&S Shopping Plus Credit Card*
Purchases:
0% for 20 months
Balance Transfers:
0% for 20 months
Balance Transfer Fee:
2.9%
Representative APR:
19.9% APR (variable)
More Information

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
More Information

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
More Information
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

Nationwide Select Credit Card just for Nationwide members*
Purchases:
0% for 12 months
Balance Transfers:
0% for 12 months
Balance Transfer Fee:
0%
Representative APR:
15.9% APR (variable)
More Information

Credit Card Details

Nationwide Select Credit Card just for Nationwide members*
  • 0% on purchases for 12 months from account opening
  • 0% on balance transfers for 12 months from account opening
  • 0% balance transfer fee within first 3 months, 2.4% fee applies after, minimum £5
  • Unlimited commission free purchases abroad
  • Manage account online
  • Annual Fee: £0
More Information

Application Criteria

Nationwide Select Credit Card just for Nationwide members*
  • Our credit cards are just for members. Youre a member when you have a current account, mortgage or savings account with us
  • Our credit card exclusively for members with a main current account
  • You have been living in the UK for the last 12 months
  • You have a gross income each year of more than £5000
  • You have a good credit history
  • You are aged 18 or over
More Information
Our credit card exclusively for members with a main current account
Representative Example: 15.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable)

0% Credit Card Offers

Nationwide Credit Card just for Nationwide members*
Purchases:
0% for 12 months
Balance Transfers:
0% for 12 months
Balance Transfer Fee:
0%
Representative APR:
17.9% APR (variable)
More Information

Credit Card Details

Nationwide Credit Card just for Nationwide members*
  • 0% on purchases for 12 months from account opening
  • 0% on balance transfers for 12 months from account opening
  • 0% balance transfer fee within first 3 months, 2.4% fee applies after, minimum £5
  • Commission free allowance on purchases abroad (subject to terms)
  • Manage account online
  • Annual Fee: £0
More Information

Application Criteria

Nationwide Credit Card just for Nationwide members*
  • Our credit cards are just for members. Youre a member when you have a current account, mortgage or savings account with us
  • You have been living in the UK for the last 12 months
  • You have a gross income each year of more than £5000
  • You have a good credit history
  • You are aged 18 or over
More Information
Representative Example: 17.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 17.9% p.a. (variable)

0% Purchase Credit Cards UK

It is essential that for 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 and also do not spend any more than their credit card limit allows.

Many UK card companies will remove the 0% introductory offers, if a customer does not make a monthly payment on time or 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 retailers, petrol stations, hotels and restaurants all around the world.


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