0% Purchase credit cards
Here is our unbiased list of 0% purchase credit cards. Allowing you to purchase goods at 0% APR and pay back later.
| Card | min pay | Months | APR | Notes |
|---|---|---|---|---|
| First Direct Gold | 3.00% | 12 | 16.9% |
 Conditions apply, see website. |
| Tesco Clubcard In-Store Special | 3.00% | 12 | 16.9% |
In-store applications only |
| Halifax All In One Card | 1.00% | 10 | 15.9% |
|
| BOS All In One Card | 1.00% | 10 | 15.9% |
|
| Barclaycard Long Term BT | 2.25% | 10 | 16.9% |
|
| Marks & Spencer | 2.50% | 10 | 15.9% |
M&S reward points (vouchers) for all spending. |
| Unite | 1.00% | 9 | 14.9% |
|
| Co-op Members' Card | 2.00% | 6 | 15.9% |
|
| The AA Credit Card | 2.00% | 6 | 15.9% |
£5 cashback on first purchase |
| Co-op Affinity Platinum | 2.00% | 6 | 16.9% |
|
| Yorkshire BS | 2.00% | 6 | 17.9% |
Min salary £12K |
| Co-op Affinity Standard | 2.00% | 6 | 18.9% |
|
| Abbey "Zero" Card | 2.25% | 6 | 18.9% |
Branch applications only. |
| Yorkshire Bank Gold | 2.50% | 6 | 15.9% |
|
| Clydesdale Bank Gold | 2.50% | 6 | 15.9% |
|
| Amex Blue Sky Card | 2.50% | 6 | 17.9% |
|
| Tesco Bonus Card | 3.00% | 6 | 15.9% |
|
| Saga Platinum | 3.00% | 6 | 15.9% |
Age 50+. Extensive benefits package - see website |
| GE Money | 3.00% | 6 | 15.9% |
|
| Virgin Money Card | 3.00% | 6 | 16.6% |
big discounts at Virgin companies |
| John Lewis | 3.00% | 6 | 16.9% |
|
| PayPal | 3.00% | 6 | 16.9% |
|
| Tesco Clubcard | 3.00% | 6 | 16.9% |
|
| Ulster Bank Gold | 3.00% | 6 | 17.9% |
|
| BOI Ulster Rugby Card | 3.00% | 6 | 17.9% |
|
| GM Card | 2.00% | 5 | 14.9% |
|
| Capital One Low Rate BT Card | 3.00% | 5 | 15.9% |
"Excellent" credit rating required. |
| MBNA Platinum Plus | 3.00% | 4 | 15.9% |
|
| Halifax Plus | 1.00% | 3 | 16.9% |
|
| LTSB Platinum | 2.00% | 3 | 15.9% |
|
| Barclaycard Plat BT + Purcha | 2.25% | 3 | 14.9% |
|
| Barclaycard FlexiRate | 2.25% | 3 | 14.9% |
|
| Barclaycard Platinum with BT | 2.25% | 3 | 14.9% |
|
| Sainsbury's Credit Card | 2.25% | 3 | 15.9% |
12 months 0% on Sainsbury's purchases. Only 3 months 0% on other purchases. |
| Abbey "Organic" Card | 2.25% | 3 | 15.9% |
|
| Abbey "Essentials" Card | 2.25% | 3 | 18.9% |
|
| HSBC | 2.50% | 3 | 16.9% |
Only available to existing HSBC current account customers. |
| Post Office Platinum | 2.50% | 3 | 16.9% |
|
| Post Office Classic | 2.50% | 3 | 19.9% |
|
| MBNA Platinum Rewards | 3.00% | 3 | 15.9% |
|
| Breast Cancer | 3.00% | 3 | 15.9% |
3 months from account opening |
| Nationwide Gold Card | 3.00% | 3 | 15.9% |
No foreign exchange loading. £25K min income. |
| RSPCA | 3.00% | 3 | 15.9% |
|
| Alliance & Leicester | 3.00% | 3 | 15.9% |
|
| bmi American Express | 3.00% | 3 | 15.9% |
|
| Sonycard | 3.00% | 3 | 15.9% |
|
| BOI Mastercard Gold | 3.00% | 3 | 16.9% |
|
| Asda Everyday Card | 3.00% | 3 | 17.8% |
2p off every litre of Asda fuel and other benefits. See website. |
| BOI Moneyback | 3.00% | 3 | 17.9% |
|
| ICICI Credit | 5.00% | 3 | 14.0% |
|
| Egg Card | 2.00% | 2 | 16.9% |
|
Table | Purchase rate credit cards |