0% Balance Transfer Credit Cards
0% Purchase credit cards
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 |
|---|---|---|---|---|
| Tesco Clubcard | 3.00% | 13 | 16.9% |
|
| Halifax Rewards Card - Purchases | 1.00% | 12 | 15.9% |
Must already have, or open, a Halifax current account
|
| The AA Card | 1.00% | 12 | 18.9% |
|
| Virgin Money BT/Purchase Card | 1.00% | 12 | 18.9% |
|
| Sainsbury's (Nectar Cardholder) | 2.25% | 12 | 15.9% |
Must have swiped your Nectar card in store in the last 6 months.
|
| Barclaycard Platinum Purchase | 2.25% | 12 | 16.9% |
|
| Halifax All In One Card | 1.00% | 10 | 15.9% |
|
| BOS All In One Card | 1.00% | 10 | 15.9% |
|
| BT Credit Card | 1.00% | 10 | 16.9% |
|
| Marks & Spencer | 2.50% | 10 | 15.9% |
M&S reward points (vouchers) for all spending.
|
| Halifax Charity Card | 1.00% | 9 | 16.9% |
|
| Play.com | 1.00% | 9 | 16.9% |
|
| BOS Union Card | 1.00% | 9 | 17.9% |
|
| Sainsbury's (No Nectar Card) | 2.25% | 9 | 15.9% |
12 months 0% on Sainsbury's purchases. Only 9 months 0% on other purchases.
|
| Saga Platinum | 3.00% | 9 | 11.9% |
Age 50+. Extensive benefits package - see website
|
| Sonycard | 1.00% | 6 | 16.9% |
|
| AMEX Platinum Moneyback Card | 10.00% | 6 | 19.9% |
|
| Co-op Members' Card | 2.00% | 6 | 15.9% |
|
| Co-op Affinity Platinum | 2.00% | 6 | 16.9% |
|
| Co-op Affinity Standard | 2.00% | 6 | 18.9% |
|
| RBS World Mastercard | 2.25% | 6 | 16.9% |
Extensive benefits/reward package. Must have an RBS current account.
|
| NatWest World Mastercard | 2.25% | 6 | 16.9% |
Extensive benefits/reward package. Must have a NatWest current account.
|
| Santander Zero Fee-Free Special | 2.25% | 6 | 18.9% |
|
| John Lewis | 3.00% | 6 | 16.9% |
|
| BOI Ulster Rugby Card | 3.00% | 6 | 17.9% |
|
| GM Card | 2.00% | 5 | 14.9% |
|
| Virgin Money Card | 1.00% | 3 | 16.6% |
big discounts at Virgin companies
|
| bmi American Express | 1.00% | 3 | 16.9% |
|
| Halifax Plus | 1.00% | 3 | 16.9% |
|
| MBNA Platinum Visa | 1.00% | 3 | 16.9% |
|
| Breast Cancer | 1.00% | 3 | 16.9% |
|
| MBNA Platinum Rewards | 1.00% | 3 | 16.9% |
|
| ICICI Rewards Card | 1.00% | 3 | 16.9% |
Earn reward points by spending. See website.
|
| Norwich & Peterborough Card | 1.00% | 3 | 16.9% |
|
| Halifax Rewards Card - BTs | 1.00% | 3 | 16.9% |
Must already have, or open, a Halifax current account
|
| MBNA Platinum Plus Visa | 1.00% | 3 | 16.9% |
|
| LTSB Platinum | 2.00% | 3 | 15.9% |
|
| Barclaycard Platinum with BT | 2.25% | 3 | 16.9% |
|
| Santander Credit Card | 2.25% | 3 | 16.9% |
|
| RBS Platinum | 2.25% | 3 | 16.9% |
Min £10K income
|
| NatWest Platinum | 2.25% | 3 | 16.9% |
Min £10K income
|
| Post Office Platinum | 2.50% | 3 | 16.9% |
|
| Yorkshire Bank Gold | 2.50% | 3 | 16.9% |
Must be a YB customer
|
| Clydesdale Bank Gold | 2.50% | 3 | 16.9% |
Must be a CB customer
|
| HSBC | 2.50% | 3 | 16.9% |
Need to be a HSBC account holder and pay in £500 per month. Min salary £8,500
|
| Post Office Classic | 2.50% | 3 | 19.9% |
|
| Asda Reward Card | 3.00% | 3 | 16.8% |
Extensive rewards programme. See website for full details.
|
| BOI Mastercard Gold | 3.00% | 3 | 16.9% |
|
| Nationwide Gold Card | 3.00% | 3 | 16.9% |
£25K min income.
|
| BOI Moneyback | 3.00% | 3 | 17.9% |
|
| Debenhams | 4.00% | 3 | 19.9% |
|
| PayPal Mastercard | 5.00% | 3 | 17.9% |
|
| Egg Card | 2.00% | 2 | 17.9% |
|
Table | Purchase rate credit cards |