0% Balance Transfer Credit Cards
0% Purchase credit cards
Tesco Clubcard Master Card. 15 Months 0% on Purchases, 9 months on Balance Transfers
1 point awarded per £4 spent in each purchase transaction (£4 min), plus additional points on Tesco spend. Must have available credit to earn points. Representative Example: 16.9% APR Representative (variable). Based on 2.9% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 16.9%
Here is full unbiased list of 0% purchase credit cards. Allowing you to purchase goods at 0% APR and pay no interest on outstanding balances. These cards can be used for slow stoozing.
| Card | min pay | Period | APR | Notes |
|---|---|---|---|---|
| Nationwide Select Credit Card | 1.00% | 18 | 12.9% |
 Must be a 'main account' customer. See T&Cs. No foreign loading charges
|
| Tesco Clubcard | 1.00% | 15 | 16.9% |
|
| Halifax All In One Card | 1.00% | 15 | 17.9% |
Most applicants will get 15 months 0%. Others will get 13 or 11 months 0%.
|
| Marks & Spencer | 2.50% | 15 | 15.9% |
M&S reward points (vouchers) for all spending.
|
| Barclaycard Platinum Purchase | 2.25% | 14 | 18.9% |
|
| RBS World Mastercard | 1.00% | 13 | 17.9% |
Min £10K income. Extensive benefits/reward package.
|
| NatWest World Mastercard | 1.00% | 13 | 17.9% |
Min £10K income. Extensive benefits/reward package.
|
| Virgin Purchase Card | 1.00% | 13 | 18.9% |
|
| BOS All In One Card | 1.00% | 12 | 17.9% |
Qualifying current account customers get 13 months 0%
|
| Sainsbury's Credit Card | 2.25% | 12 | 16.9% |
12 months 0% on Sainsbury's purchases. Only 9 months 0% on other purchases.
|
| AA Rewards Card | 1.00% | 10 | 16.9% |
on all motoring, fuel and AA products only
|
| Play.com | 1.00% | 9 | 16.9% |
|
| Saga Platinum | 3.00% | 9 | 11.9% |
Age 50+. Extensive benefits package - see website
|
| Virgin All Round Card | 1.00% | 6 | 15.8% |
|
| RBS Platinum | 1.00% | 6 | 17.9% |
Min £10K income.
|
| NatWest Platinum | 1.00% | 6 | 17.9% |
Min £10K income.
|
| NatWest Platinum Special Offer | 1.00% | 6 | 17.9% |
Min £10K income
|
| RBS Platinum Special Offer | 1.00% | 6 | 17.9% |
Min £10K income. Online offer only
|
| Co-op Members' Card | 2.00% | 6 | 15.9% |
|
| Co-op Affinity Standard | 2.00% | 6 | 18.9% |
|
| Sainsbury's Nectar Credit Card | 2.25% | 6 | 16.9% |
Must have swiped your Nectar card in store in the last 6 months.
|
| BOI Ulster Rugby Card | 2.50% | 6 | 17.9% |
|
| John Lewis | 3.00% | 6 | 16.9% |
|
| Nationwide Credit Card | 1.00% | 3 | 15.9% |
£5K min income.
|
| Virgin Balance Transfer Card | 1.00% | 3 | 16.8% |
big discounts at Virgin companies
|
| Asda Reward Card | 1.00% | 3 | 16.8% |
Extensive rewards programme. See website for full details.
|
| bmi American Express | 1.00% | 3 | 16.9% |
|
| Halifax 20 month BT Card | 1.00% | 3 | 16.9% |
Min income £20K
|
| Halifax 17 month BT card | 1.00% | 3 | 16.9% |
|
| Yorkshire Bank Gold | 1.00% | 3 | 16.9% |
Must be a YB customer
|
| Clydesdale Bank Gold | 1.00% | 3 | 16.9% |
Must be a CB customer
|
| RSPCA Card | 1.00% | 3 | 16.9% |
3 months from account opening
|
| Bank of Scotland Plus | 1.00% | 3 | 16.9% |
|
| BT Credit Card | 1.00% | 3 | 16.9% |
|
| AA Balance Transfer Card | 1.00% | 3 | 17.9% |
|
| LTSB Platinum | 1.00% | 3 | 17.9% |
|
| Santander Credit Card | 1.00% | 3 | 17.9% |
|
| Halifax BT card | 1.00% | 3 | 17.9% |
Min income £20K
|
| Barclaycard Platinum Extended BT | 2.25% | 3 | 17.9% |
|
| Platinum Low BT Fee Card | 2.25% | 3 | 18.9% |
|
| Post Office Platinum | 2.50% | 3 | 16.9% |
|
| BOI Mastercard Gold | 2.50% | 3 | 16.9% |
|
| HSBC | 2.50% | 3 | 17.9% |
Need to be a HSBC account holder and pay in £500 per month. Min salary £8,500
|
| BOI Moneyback | 2.50% | 3 | 17.9% |
|
| Post Office Classic | 2.50% | 3 | 19.9% |
|
Table | Purchase rate credit cards |