Compare 0% interest credit cards for new purchases

If you are planning a big purchase, 0% interest credit cards are a great alternative to costly in-store credit or bank loans.

  • Credit card
  • Balance
    transfers
  • Purchases
  • Representative
    APR
  • Product details
  • Apply
Santander 18Mth Purchase MasterCard
0%
for 9 months
(3% fee)
0%
for 18 months
Representative
18.9%
APR
(variable)
  • Fantastic interest-free purchase offer
  • Manage your account online 24-7
  • Fraud Protection
  • Applicants must be aged 18yrs and over, UK resident for 3yrs, No CCJ's, Annual income over £7,500
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.
Tesco Clubcard Credit Card for Purchases
0%
for 3 months
(2.9% fee)
0%
for 18 months
Representative
18.9%
APR
(variable)
  • Clubcard points on all your spending. One point awarded for every £4 spent in each purchase transaction (£4min). Must have available credit
  • Online servicing
  • Minimum income £5K, UK resident with good credit history
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.
Santander 123 Credit Card
No introductory rate 0%
for 18 months
Representative
16.5%
APR
(variable)
  • 1% at Supermarkets
  • 2% at Department Stores
  • 3% at Petrol Stations and on National Rail and TFL travel
  • Contactless payments on items below £20
  • Annual fee applies except for 123 Current Account customers during year one. Offer valid until 31/12/14.
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 12.7% (variable), representative 16.5% APR (variable). Credit available subject to status.
American Express Platinum Cashback Card Exclusive
No introductory rate 0%
for 16 months
Representative
18.7%
APR
(variable)
  • 0% on Purchases for 16 months
  • 1.25% cashback on every £1 spent
  • 2.5% cashback bonus for one month each year (T&C's Apply)
  • Must be aged 18yrs or over, minimum household income of £20K, Annual fee £25
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 14.0% (variable), representative 18.7% APR (variable). Credit available subject to status.
Sainsbury's Bank Nectar Credit Card
0%
for 16 months
(3% fee)
0%
for 16 months
Representative
16.9%
APR
(variable)
  • Double Nectar points on Sainsbury's shopping
  • One Nectar point for every £5 spent on your card elsewhere
  • New Sainsbury's Bank Credit Card customers only
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 16.9% (variable), representative 16.9% APR (variable). Credit available subject to status.
Nationwide Purchase Visa
No introductory rate 0%
for 15 months
Representative
17.9%
APR
(variable)
  • Commission-free purchases abroad when you build up your allowance through spend in UK sterling
  • Fraud protection
  • Mobile banking
  • Existing Nationwide BS card customers are ineligible for 12 months
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 17.9% (variable), representative 17.9% APR (variable). Credit available subject to status.
Halifax All in One Online MasterCard
0%
for 15 months
(0.8% fee)
0%
for 15 months
Representative
17.9%
APR
(variable)
  • 3% fee reduced by 2.2% refund to effective 0.8% fee
  • Market leading balance transfer and purchases card
  • APR and length of the offer are dependent on personal circumstances
  • Credit available subject to status to UK residents aged 18 or over
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.0% (variable), representative 17.9% APR (variable). Credit available subject to status.
M&S Credit Card
0% for 12 months (2.9% fee) 0%
for 15 months
Representative
16.9%
APR
(variable)
  • Earn M&S points every time you shop with your card
  • Buy M&S Travel Money with no cash advance or foreign exchange fees
  • You must be at least 18 years of age with good credit history
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 16.9% (variable), representative 16.9% APR (variable). Credit available subject to status.
Barclaycard Platinum Purchase & BT Visa
0%
for 18 months
(2.49% fee)
0%
for 14 months
Representative
18.9%
APR
(variable)
  • 2.9% transfer fee will be applied, then reduced to 2.49% by a refund (T&C's Apply)
  • Contactless payments
  • No balance transfers from other Barclaycards
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.
Lloyds Bank Platinum Purchase Online MasterCard
0%
for 13 months
(1% fee)
0%
for 13 months
Representative
17.9%
APR
(variable)
  • Balance transfer fee refund from 3% to 1%
  • A great deal on both balance transfers and purchases
  • Full account management online
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.0% (variable), representative 17.9% APR (variable). Credit available subject to status.
TSB Plat Purchase MasterCard
0%
for 13 months
(1% fee)
0%
for 13 months
Representative
17.9%
APR
(variable)
  • Balance Transfer fee cashback - refund part of a 3% fee so overall a 1% fee is payable
  • The APR you get is subject to status, so may vary
  • No balance transfers from other TSB cards
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.0% (variable), representative 17.9% APR (variable). Credit available subject to status.
Bank of Scotland Platinum Purchase Online M'Card
0%
for 13 months
(1% fee)
0%
for 13 months
Representative
17.9%
APR
(variable)
  • A great deal on both balance transfers and purchases
  • Manage your card using Internet and Mobile Banking
  • Credit available subject to status to UK residents aged 18 or over
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.0% (variable), representative 17.9% APR (variable). Credit available subject to status.
AA Members Rewards Visa
0%
for 12 months
(3% fee)
0%
for 10 months
Representative
16.9%
APR
(variable)
  • 2 points for every £1 spent on fuel, and 1 point for every £1 spent on everything else
  • Redeem 4,000 points for £20 of cash back or high street shopping vouchers or £40 against AA products like breakdown cover
  • No balance transfers from AA, BMI, ICICI, Virgin Money or other MBNA cards
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 16.9% (variable), representative 16.9% APR (variable). Credit available subject to status.
MBNA Everyday Credit Card Visa
0%
for 18 months
(1.5% fee)
0%
for 8 months
Representative
13.9%
APR
(variable)
  • An interest-free period on both balance transfers and money transfers
  • Paperless Statements, Contactless Payments, Fraud Protection
  • No Annual Fee
  • You cannot transfer balances between MBNA accounts
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 13.9% (variable), representative 13.9% APR (variable). Credit available subject to status.
Lloyds Bank Advance Online MasterCard
4.9%
for 12 months
(3% fee)
0%
for 6 months
Representative
11.9%
APR
(variable)
  • 4.9% p.a. interest for the first 12 months on balances transferred within the first 90 days (3% fee applies)*
  • Overseas emergency assistance
  • Secure internet shopping with Lloyds Bank ClickSafe
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 12.0% (variable), representative 11.9% APR (variable). Credit available subject to status.
NatWest Clear Rate Platinum MasterCard
No introductory rate No introductory rate Representative
11.1%
APR
(variable)
  • A simple, low rate for balance transfers and purchases - 6.9% p.a. (variable)
  • No balance transfer fees
  • Annual fee of £24
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 6.9% (variable), representative 11.1% APR (variable). Credit available subject to status.
RBS Clear Rate Platinum MasterCard
No introductory rate No introductory rate Representative
11.1%
APR
(variable)
  • A simple, low rate for balance transfers and purchases - 6.9% p.a. (variable)
  • No balance transfer fees
  • Annual fee of £24
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 6.9% (variable), representative 11.1% APR (variable). Credit available subject to status.

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The table shows a range of products from the market. We work with the majority of Financial Service Providers to show the best deals.

The All Credit Cards table is ranked in a formula that combines Likelihood of acceptance (Highest first), Balance Transfer Period (Longest Period first), Balance Transfer Fee (Lowest Fee first) and Representative APR (Lowest APR first).

The other tables are ranking using a formula that combines Likelihood of acceptance (Highest first), and the key aspect of the table, eg for the Low APR Table its Representative APR (lowest first) and for the 0% new purchases table its Purchase period (Longest Period first).

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