The best 0% purchase credit cards

You can avoid paying interest on new spend for up to 28 months with one of these top new purchase credit cards.

If you want to pay for a big purchase and spread the cost over a period of time, a 0% purchase credit card can be a good option – provided you keep on top of your repayments.

These cards give you a lengthy interest-free period to pay off your debt without incurring any costs whatsoever.

Unfortunately, the length of interest-free terms continues to dip: it's now no longer possible to get a 30-month credit card.

The longest you'll currently get is 28 months with Barclaycard, although for one month less you can also earn Nectar points on your spend with the Sainsbury's Bank Dual Offer Credit Card.

If neither of those cards are suitable, here's a look at some of the other top new purchase offers out there.

Longest 0% purchase credit cards

Credit card

0% period

Representative APR

Barclaycard Platinum 28 Month 0% Balance Transfer Credit Card

28 months 19.9%

Sainsbury's Bank Dual Offer Credit Card

27 months 20.9%

Clydesdale Bank Gold MasterCard

26 months 18.9%
Tesco Bank Purchases Credit Card 26 months 19.9%

Virgin 23 Month All Round Credit Card

23 months


Compare 0% purchase credit cards

The pros of a 0% purchase card

The beauty of a 0% purchase credit card is, so long as you pay it off within the interest-free period, every penny goes to paying off your debt.

So, if you know you've got a big purchase ahead of you, going for a 0% credit card is a sensible course of action.

The downsides of a 0% purchase card

There are some hurdles to consider though. What if you don’t manage to clear your balance before the 0% period finishes and you still have thousands of pounds sat on the card?

You have a couple of options. The first is to do nothing – leave your debt where it is, continue making your monthly payments, and your debt will eventually disappear. That said, you will end up spending a decent chunk of cash on interest.

Or you can move the remaining debt to a balance transfer card, which will also offer a period of 0% interest on your debt. 

For more on balance transfer cards, check out: The best balance transfer credit cards.

Young couple with credit card (Image: Shutterstock)

Finally, there’s the fact that in order to get your hands on a 0% card, you’ll need to have a good credit record.

Credit card providers don’t make a habit of handing out these cards to any old borrower – ironically borrowers who would most benefit from breathing space in paying off their debts are the ones who find it most difficult to get their hands on 0% cards.

Alternatively, you may find that your credit rating is good enough to get a 0% purchase card, but not good enough to get the very best 0% balance transfer cards.

So make sure you use an eligibility checker to work out how likely you are to successfully apply for a card without leaving a mark on your credit report.

Improve your chances of getting a 0% card

It's always a good idea to ensure your credit rating is as spotless as possible.

There are a number of simple things you can do to improve your credit rating, which are detailed in How to build an excellent credit history.

Compare 0% purchase credit cards

This article is regularly updated with the latest best buys

More on credit cards:

The best reward credit cards

The best cashback credit cards



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