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0% Balance Transfers

 		0% on Balance Transfers Credit Cards

0% Purchases

 		0% on Purchases Credit Cards

Reward Cards

 		Reward Credit Cards

Air Miles Cards

 		Airmiles Credit Cards

Cash Back Cards

 		Cashback Credit Cards

Adverse Credit

Credit Cards for People With Adverse Credit

0% introductory offers on purchases

CompanyPackage NameIntroductory Purchases Rate & PeriodBalance Transfer Rate & PeriodBalance Transfer NotesStandard % APR (Variable)Reward Notes 
Capital One Platinum0% Until Nov 090% Until Nov 093% transfer fee

14.9%

Free Identity Theft Service
Halifax One Card0% for 10 months0% for 10 months3% transfer fee

15.9%

n/a
Bank of Scotland Credit Card0% for 10 months0% for 10 months3% transfer fee

15.9%

n/a
Barclaycard Onepulse0% for 6 months0% for 14 months0% for 14 months

14.9%

Combines credit & Oyster card
Natwest Classic0% for 6 months0% for 13 months2.9% transfer fee

15.9%

Take advantage of the Natwest Travel Club and Wine Club.
RBS Classic0% for 6 months0% for 13 months2.9% transfer fee

15.9%

Online retail discounts
Lloyds TSB Platinum0% for 3 months0% for 14 months3% transfer fee

15.9%

n/a
WWF Credit card0% for 3 months0% for 12 months3% handling fee

15.9%

Contributions to WWF
MBNA Platinum0% for 3 months0% for 13 months2.9% transfer fee

15.9%

n/a
Virgin Credit Card0% for 3 months0% for 15 months2.98% transfer fee

15.9%

Virgin Discounts
BT Credit Card0% for 3 months0% for 12 months3% transfer fee

16.9%

Earn money off your BT bill
MBNA Platinum Reward0% until 1st Dec 20080% until 1st Oct 20092.9% transfer fee

15.9%

MBNA reward points
Barclaycard Flexi-rate0% for 3 months0% for 14 months2.9% transfer fee

14.9%

Special retail offers
Sony Credit Card0% for 3 months0% for 12 months3% transfer fee

15.9%

3000 Free Pulsebeats when you first use the card
Barclaycard Platinum0% for 3 months0% for 14 months2.9% transfer fee

14.9%

6 months free gadget insurance
MBNA Self Employed Business Card0% for 3 months0% for 12 months3% transfer fee

15.9%

Business Discounts
Alliance & Leicester Credit CardO% for 3 months0% for 12 months3% transfer fee

15.9%

n/a
Egg Credit Card0% for 3 months0% for 15 months3% transfer fee

16.9%

0% for 5 months on transfers in June 2010 & 2011

Last Updated: Thursday, 28-August-2008

What are 0% on purchase credit cards?


0% on Purchase credit cards permit you 0% interest on any purchases you make during the agreed promotional period. Their ideal use is for everyday spending, and promotional periods typically last up to 12 months.

What are the benefits of 0% on purchases credit cards?


The main benefit of a 0% on Purchase card is knowing that you do not have to pay interest on your purchases during the first 12 months or so, thus facilitating interest free shopping. Try not to spend more than you can afford though.

Choose the right card and you could combine the 0% on purchase facility with other benefits such as 0% on balance transfers or rewards.

What else should I know about 0% on purchases credit cards?


  • Remember to pay off the full balance before the end of the promotional period, to avoid being charged interest.
  • Be careful if you use the credit card for both 0% balance transfers and 0% purchases, especially if the promotional offers are of differing durations. Make sure that you pay off the total debt before the end of the shortest promotional period, as any payments you pay off will go towards the cheaper portion of the debt.
  • A good way to avoid confusion or losing money through interest payments is to use your credit card for one purpose; either as a balance transfer card or as a purchase card.
  • Make sure you’re aware precisely what the bank considers to be a “purchase”. While normal spending will fall under the zero per cent offer, cash advances - taking money out at a cash point, online gambling, or in some cases, buying gift vouchers, won’t be covered in this section.
  • Always ensure that you pay the minimum balance at least each month. If you don’t then you risk losing the benefits of the promotional period and, even worse, adversely affecting your credit rating.

Read our detailed guide to find out more about 0% on purchase credit cards, or compare credit cards.

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