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0% Purchase Credit Cards

What are the most suitable credit cards for UK customers looking for 0% purchase credit cards, in 2024?

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 now typically around 24.9% APR variable, on many UK credit cards.

0% Purchase Credit Cards

0% purchase cards allow you as a customer to make purchases using your card and pay no interest on these purchases. This interest free period is for the length of your card’s 0% introductory offer period.

Customers will often use a 0% purchase credit card, like the Marks and Spencer credit card, for example, to make a higher value purchase. You can use your card to pay for this large purchase. With the 0% offer, you can then pay off the amount in monthly instalments.

For example, you could buy £3000 worth of household, or electrical goods, using a 0% purchase credit card, that offered 0% for 20 months on purchases.

You could then pay £150 per month, for 20 months and would be charged no interest. This is provided your purchase was made within the introductory 0% offer period. In addition you would also need, in this example, to have a credit card with a £3000 limit, or higher, on your new card.

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 small number of months on purchases. Often this 0% purchases offer is only for 3, or 6 months. These cards do however, often have a much longer 0% offer available on balance transfers.

There are a smaller number of UK credit cards that do 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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Purchases:
0% for up to 20 months
Balance Transfers:
0% for up to 12 months
Balance Transfer Fee:
3.49%
Representative APR:
24.9% APR (variable)
M&S Purchase Plus*
  • 0% on purchases for up to 20 months from account opening
  • 0% for up to 12 months on balance transfers made within 90 days of account opening
  • 3.49% 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
M&S Purchase 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
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Purchases:
0% for up to 18 months
Balance Transfers:
0% for up to 16 months
Balance Transfer Fee:
3.49%
Representative APR:
24.9% APR (variable)
HSBC Purchase Plus*
  • 0% interest on purchases for up to 18 months from account opening
  • 0% interest for up to 16 months on balance transfers made within first 60 days of account opening
  • 3.49% 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
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
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions. You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Purchases:
0% for up to 12 months
Balance Transfers:
0% for up to 12 months
Balance Transfer Fee:
2.9%
Representative APR:
34.9% APR (variable)
Post Office Classic Credit Card
  • 0% on purchases for up to 12 months
  • 0% on balance transfers for up to 12 months
  • 2.9% balance transfer fee
  • Credit limit up to £8,000
  • Online account management
  • Annual Fee: None
Post Office Classic Credit Card
  • You are a UK resident
  • You have a bank or building society account
  • You are aged 18 or over
Representative Example: 34.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 34.9% p.a. (variable)
No balance transfers allowed to this card from Capital One or Post Ofice credit cards
Purchases:
0% for up to 12 months
Balance Transfers:
0% for up to 12 months
Balance Transfer Fee:
2.95%
Representative APR:
24.9% APR (variable)
TSB Platinum Purchase Credit Card
  • 0% interest on all purchases for up to first 12 months
  • 0% interest for up to 12 months on balances transferred within first 90 days
  • 2.95% balance transfer fee during first 90 days, 5% fee applies afer 90 days
  • Internet fraud protection and Clicksafe
  • Online card servicing
  • Annual Fee: None
TSB Platinum Purchase Credit Card
  • You do not already have a credit card from TSB
  • You are not currently declared bankrupt, have CCJs or subject to IVA
  • You have a regular income
  • You are a UK resident
  • You are aged 18 or over
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.95% p.a. (variable)
No balance transfers allowed to this card from TSB credit cards

0% Purchase Credit Cards UK

It is essential that customers, who receive any new UK 0% purchase credit cards, make at least the monthly minimum credit card payment on time, each month to the 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 you do not make the monthly payment on time.

Customers even with high limit credit cards in the UK, should also ensure they stay under their given credit limit. The card’s 0% introductory offers can also be withdrawn, if you exceed your given credit card limit.

Many of the UK cards with the very longest 0% introductory offers on purchases have now been removed from the market. As a result these cards are now no longer available to new customers.

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 3, 2024, Updated: March 11, 2024 by 0% Credit Card Expert

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