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...

	Barclaycard Platinum with Purchases - Apply online 0% on purchases for 14 months 0% on balance transfers for 14 months (2.9% transfer fee) Barclaycard Freedom - a reward programme like no other 18.9% APR Representative (variable)	More info
Representative Example: If you spend £1,200 at an annual interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable). Barclaycard, 1 Churchill Place, London E14 5HP

0% on new purchases

Company	Package Name	Introductory Purchases Rate & Period	Balance Transfer Rate & Period	Balance Transfer Notes	APR	Notes
	Barclaycard Platinum with Purchases	0% for 14 months	0% for 14 months	2.9% transfer fee	18.9% APR Representative (variable)	2.9% transfer fee
Representative Example: If you spend £1,200 at an annual interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable). Barclaycard, 1 Churchill Place, London E14 5HP
	Virgin Credit Card	0% for 3 months	0% for 20 months	2.99% transfer fee	16.8% APR Representative (variable)	Virgin Discounts
Representative Example: 16.8% p.a. (variable) on card purchases. This is equivalent to 16.8% APR representative (variable) based on a credit limit of £1200. Virgin Money, Discovery House, Whiting Road, Norwich, NR4 6EJ
	Post Office Credit Card	0% for 3 months	0% for 14 months	2.98% transfer fee	16.9% APR Representative (variable)	0% commission on purchases overseas
Representative Example: Introductory rate of 0% purchases for the first 3 months and 16.9% thereafter. Credit limit is subject to status. 16.9% APR Representative (Variable). Post Office, 148 Old Street, London EC1V

This is an independent comparison service that provides an extensive selection including some of the most competitive deals on the market.

The rates and products displayed within these tables are updated on a regular basis however due to the dynamic nature of the market some product details and rates may be out of date. We therefore do not take any responsibility for the accuracy of the information supplied within the table although we will always make our best endeavour to ensure that the information provided is as accurate as possible. You should always check rates and terms with the product provider.

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Top credit card tips...

Here are our top tips for when you’re applying for a credit card.

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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