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0% Introductory offers on purchases

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...

0% Balance Transfers

0% Purchases

Reward Cards

Air Miles Cards

Adverse Credit


0% on new purchases

CompanyPackage NameIntroductory Purchases Rate & PeriodBalance Transfer Rate & PeriodBalance Transfer NotesStandard % APR (Variable)Reward Notes 
Sainsbury's Credit Card0% for 10 months0% for 10 months3% transfer fee

15.9%

Double Nectar points for 2 years in Sainsbury's shopping
BT Retail Card0% for 10 months on petrol and supermarket spend0% for 6 months2% transfer fee

16.9%

Get money off your BT bill
Virgin Credit Card0% for 3 months0% for 14 months2.98% transfer fee

16.6%

Virgin Discounts
All in One Credit Card0% for 9 months0% for 9 months3% transfer fee

15.9%

n/a
AA Credit Card0% for 10 months0% for 12 months3% transfer fee

16.9%

Earn AA reward points
Saga Credit Card0% for 9 months0% for 9 months3% transfer fee

11.9%

n/a
IMPORTANT: Saga Credit Card is only available to customers aged over 50 years
Egg Credit Card0% until June 20100% until May 20113% transfer fee

16.9%

Cashback and discounts at selected retailers
Lloyds TSB Platinum0% for 3 months0% for 12 months3% transfer fee

15.9%

n/a
MBNA Platinum0% for 3 months0% for 13 months2.9% transfer fee

16.9%

n/a
Post Office Credit Card0% for 3 months0% for 12 months2.98% transfer fee

16.9%

Further 0% transfers on 2nd & 3rd anniversary
Barclaycard Platinum0% for 3 months0% for 15 months2.90% transfer fee

15.9%

Identity Protection Service
MBNA Platinum Reward0% for 3 months0% for 13 months2.9% transfer fee

16.9%

MBNA reward points

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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