0% Introductory offers on purchases

Using a 0% purchases credit card is a great way to avoid paying interest for a set period of time. Compare the latest deals now...

Virgin 12-12 Credit Card - 0% on new purchases for 12 months
	0% on new purchases for 12 month 0% on balance transfers for 12 months (2.98% fee) Great discounts on a wide range of products	More info

0% on new purchases

Package Name	Introductory Purchases Rate & Period	Balance Transfer Rate & Period	Balance Transfer Notes	Standard % APR (Variable)	Reward Notes
Barclaycard Platinum with Purchases	0% for 12 months	0% for 12 months	2.9% transfer fee	16.9%	2.9% transfer fee
Virgin 12-12 credit card	0% for 12 months	0% for 12 months	2.98% transfer fee	18.9%	Virgin Discounts
Tesco Clubcard Credit Card	0% for 13 months	0% for 9 months	2.90% transfer fee	16.9%	Earn Extra Clubcard Points
Virgin Credit Card	0% for 3 months	0% for 14 months	2.98% transfer fee	16.6%	Virgin Discounts
Sainsbury's Credit Card	0% for 9 months	0% for 9 months	3% transfer fee	15.9%	0% for 12 months on Sainsbury's shopping
Natwest Platinum	0% for 3 months	0% for 16 months	2.9% transfer fee	16.9%	Take1% off the APR for Advantage Gold customers
All in One Credit Card	0% for 10 months	0% for 10 months	3% transfer fee	15.9%	n/a
Egg Credit Card	0% until December 2010	0% until November 2011	3% transfer fee	17.9%	Cashback and discounts at selected retailers
Amex Platinum	0% for 6 months	n/a	n/a	19.9%	5% cashback for 3 months (up to £100) then up to 1.25%
Post Office Credit Card	0% for 3 months	0% for 12 months	2.98% transfer fee	16.9%	Further 0% transfers on 2nd & 3rd anniversary
Barclaycard Platinum	0% for 3 months	0% for 16 months	2.9% transfer fee	16.9%	Identity Protection Service
Nationwide Gold Credit Card	0% for 3 months	0% for 15 months	3% transfer fee	16.9%	Commission free purchases abroad
MBNA Platinum Reward	0% for 3 months	0% for 13 months	2.9% transfer fee	16.9%	MBNA reward points

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Our expert says...

Our finance expert gives his top tips when applying for credit cards.

Always read the terms and conditions carefully before you apply for any credit card.
Applying for multiple credit cards at the same time may negatively affect your credit rating.
You can improve a poor credit rating by using an adverse credit card sensibly.

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 Interest free credit cards.

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