Purchase cards
0% Purchase credit cards
Here is our unbiased list of 0% purchase credit cards. Allowing you to purchase goods at 0% APR and pay back later.
| Card | min pay | Period | APR | Notes |
|---|---|---|---|---|
| Cap One Platinum | 3.00% | 15 | 12.9% |
 "Excellent" credit rating required. See website. |
| First Direct Gold | 3.00% | 12 | 16.9% |
Conditions apply, see website. |
| Halifax All In One Card | 2.00% | 10 | 15.9% |
|
| Barclaycard Long Term BT | 2.25% | 10 | 16.9% |
|
| Capital One Mastercard | 3.00% | 10 | 19.9% |
"Good" credit rating required. See website. |
| Halifax One | 2.00% | 9 | 9.9% |
|
| Unite | 2.00% | 9 | 14.9% |
|
| The Halifax Credit Card | 2.00% | 9 | 16.9% |
|
| Stroud/Swindon Platinum | 2.00% | 6 | 14.9% |
|
| Amazon | 2.00% | 6 | 15.9% |
|
| Co-op Members' Card | 2.00% | 6 | 15.9% |
|
| Smart Card | 2.00% | 6 | 16.9% |
?20 donation to the Woodland Trust on first use. |
| Co-op Affinity Platinum | 2.00% | 6 | 16.9% |
|
| Leeds Building Society | 2.00% | 6 | 17.9% |
|
| Yorkshire BS | 2.00% | 6 | 17.9% |
|
| Co-op Affinity Standard | 2.00% | 6 | 18.9% |
|
| Stroud/Swindon Advantage | 2.00% | 6 | 18.9% |
|
| Mint | 2.25% | 6 | 14.9% |
|
| Barclaycard OnePulse | 2.25% | 6 | 14.9% |
|
| Natwest Platinum | 2.25% | 6 | 15.9% |
|
| Natwest Gold | 2.25% | 6 | 15.9% |
|
| RBS Platinum | 2.25% | 6 | 15.9% |
|
| RBS Gold | 2.25% | 6 | 15.9% |
|
| RBS Classic | 2.25% | 6 | 15.9% |
|
| Natwest Classic | 2.25% | 6 | 15.9% |
|
| Citibank Audi card | 2.25% | 6 | 16.9% |
Various Audi benefits. See website. |
| Abbey "Zero" Card | 2.25% | 6 | 18.9% |
|
| Yorkshire Bank Gold | 2.50% | 6 | 15.9% |
|
| Clydesdale Bank Gold | 2.50% | 6 | 15.9% |
|
| Marks & Spencer | 2.50% | 6 | 18.9% |
M&S reward points (vouchers) for all spending. |
| PayPal | 3.00% | 6 | 12.9% |
|
| GE Money | 3.00% | 6 | 15.9% |
|
| Saga Platinum | 3.00% | 6 | 15.9% |
Age 50+. Extensive benefits package - see website |
| Capital One Low Rate LOB | 3.00% | 6 | 15.9% |
"Excellent" credit rating required. See website. |
| Ulster Rugby Card | 3.00% | 6 | 16.9% |
|
| John Lewis | 3.00% | 6 | 16.9% |
|
| Ulster Bank Gold | 3.00% | 6 | 17.9% |
|
| GM Card | 2.00% | 5 | 14.9% |
|
| Britannia Platinum | 2.00% | 5 | 15.9% |
Min salary £25K |
| Brittania Classic | 2.00% | 5 | 16.9% |
|
| SkyCard | 2.50% | 4 | 16.9% |
|
| MBNA Platinum Plus | 3.00% | 4 | 15.9% |
|
| Cap One BT + Purchase Card | 3.00% | 4 | 15.9% |
"Excellent" credit rating required. See website. |
| LTSB Platinum | 2.00% | 3 | 15.9% |
|
| Halifax Plus | 2.00% | 3 | 16.9% |
|
| Barclaycard Platinum | 2.25% | 3 | 14.9% |
|
| Barclaycard Plat BT + Purcha | 2.25% | 3 | 14.9% |
|
| Sainsbury's Credit Card | 2.25% | 3 | 15.9% |
12 months 0% on Sainsbury's purchases. Only 3 months 0% on other purchases. |
| Abbey "Organic" Card | 2.25% | 3 | 15.9% |
|
| Citibank Platinum | 2.25% | 3 | 16.9% |
|
| Post Office Platinum | 2.50% | 3 | 15.9% |
|
| HSBC | 2.50% | 3 | 16.9% |
|
| Post Office Classic | 2.50% | 3 | 17.9% |
|
| Virgin Money Card | 3.00% | 3 | 15.9% |
|
| Breast Cancer | 3.00% | 3 | 15.9% |
3 months from account opening |
| Sonycard | 3.00% | 3 | 15.9% |
|
| Nationwide Gold Card | 3.00% | 3 | 15.9% |
No foreign exchange loading |
| Mastercard Gold | 3.00% | 3 | 15.9% |
|
| RSPCA | 3.00% | 3 | 15.9% |
|
| Tesco Bonus Card | 3.00% | 3 | 15.9% |
|
| bmi American Express | 3.00% | 3 | 15.9% |
|
| Alliance & Leicester | 3.00% | 3 | 15.9% |
|
| Tesco Clubcard | 3.00% | 3 | 16.9% |
|
| ASDA | 3.00% | 3 | 17.8% |
2p off every litre of Asda fuel |
| ICICI Credit | 5.00% | 3 | 14.0% |
|
| Egg Card | 2.00% | 2 | 16.9% |
|
Table | Purchase rate credit cards |