The best 0% purchase credit cards

Updated on 25 September 2019 | 1 Comment

You can avoid paying interest on new spend for up to 27 months with one of these top 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.

It appears that interest-free terms are getting less generous.

Back in May, the longest 0% purchase credit card offered 28 months, but the longest interest-free card on offer is now 27 months.

The longest you'll currently get offers up to 27 months with MBNA, although for up to one month less, you could collect Clubcard points with Tesco’s 0% Purchases Credit Card.

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

Longest 0% purchase credit cards

Credit card

0% period

Representative APR

MBNA 0% Transfer and Purchase Credit Card

Up to 27 months


Tesco Bank Purchases Credit Card

Up to 26 months


Santander All in One Credit Card*

26 months


Sainsbury’s Bank Dual Offer Credit Card

Up to 25 months


Barclaycard Platinum with Balance Transfer Credit Card

Up to 25 months


*Incurs a £3 monthly fee

You should be wary of the monthly fee for Santander’s credit card, as the costs can quickly build up.

If you use the Santander All in One Credit Card for 26 months, you would pay £78 in fees for having the card.

Some of these top cards also offer lengthy 0% interest-free periods on balance transfers, which could come in handy.  

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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