Best 0% purchase credit cards

0% purchase credit cards can help cover the cost of large purchases and are typically cheaper than a personal loan. Here's where you can get the best 0% purchase credit cards.

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TSB Classic Credit Card Mastercard image
Representative example: When you spend £1,200 at a purchase rate of 26.95% (variable) p.a., your representative rate is 26.9% APR (variable).
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What is a 0% purchase card?

A 0% purchase credit card lets you make purchases using your card that you can then pay off over time without having to pay any interest for a certain period. 0% purchase cards generally offer an interest-free period of at least 6 months, with some offering up to 20 months. Once your 0% period ends, you’ll be charged interest on any remaining balance you have.

They are often used to help cover the cost of large purchases or expenses, and can be much cheaper than a personal loan due to the 0% interest period.

Best long 0% purchase credit card

The longer your 0% purchase period, the more time you’ll have to pay off your balance without incurring interest. This makes a 0% purchase credit card a good option for those planning on making a big purchase or covering a big expense, but who don’t want to take out an expensive loan to cover the cost.

M&S Bank Shopping Plus Credit Card

M&S Bank Shopping Plus Credit Card

★★★★★

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20 months

0% interest on balance transfers

20 months

0% interest on purchases

21.9%

Representative APR

£0

Account fee

With an extended 0% purchase and balance transfer period, as well as a simple rewards scheme and no annual fee, the M&S Bank Shopping Plus Mastercard is a good option for those looking for more time to pay off their balance.
  • Extended 0% purchase and balance transfer period
  • Competitive regular purchase rate
  • No annual fee
  • You’ll need to be an M&S devotee to get the most out of this card
Availability Available to new customers
Min. income 6800
Foreign usage charge (EU) 2.99%
Cash advance fee 2.99% (min. £3)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).

Best 0% purchase credit card for existing debt

If you have existing debt, you’ll want to look at balance transfer credit cards, but there are dedicated 0% purchase cards that also offer extended 0% interest periods on balance transfers. This means you can move over an existing balance, and also cover big expenses without having to take out multiple cards.

HSBC Purchase Plus Credit Card Visa

HSBC Purchase Plus Credit Card Visa

★★★★★

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18 months

0% interest on balance transfers

18 months

0% interest on purchases

22.9%

Representative APR

£0

Account fee

Offering generous 0% interest periods on both balance transfers and purchases, this HSBC card could be a suitable choice for those looking to both pay off their expenses, and transfer an existing debt.
  • Long 0% interest periods
  • No annual fee
  • Competitive rate
  • Longer 0% balance transfer periods elsewhere
Availability Available to new customers
Min. income 6800
Foreign usage charge (EU) 2.99%
Cash advance fee 2.99% (min. £3)
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).

Best 0% purchase credit card for bad credit

You can still be eligible for 0% purchase credit cards if you have bad credit, but may not be able to get the cards with the best 0% periods. However, you should still be able to find a card with an extended 0% purchase period, with many cards offering periods up to 18 or 20 months.

TSB Classic Credit Card Mastercard

TSB Classic Credit Card Mastercard

★★★★★

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26.9%

Representative APR

£0

Account fee

5 months

0% interest on balance transfers

5 months

0% interest on purchases

With 10 months of 0% interest on both purchases and balance transfers, the TSB Classic credit card can help you cover the cost of big purchases or expenses, with no annual fee.
  • No annual fee
  • Decent 0% interest periods
  • Rate is on the higher side
Availability Available to new customers
Foreign usage charge (EU) 2.95%
Cash advance fee 3% (min. £3)
Representative example: When you spend £1,200 at a purchase rate of 26.95% (variable) p.a., your representative rate is 26.9% APR (variable).

Best ways to use a 0% purchase credit card

Here are five tips for getting the most out of your 0% purchase credit card:

  1. Having an idea of how much credit you need (and how you’ll be able to repay it). Before you apply for a 0% purchase credit card, you should have a clear idea of how much you’ll need to borrow, and have a budget for how you’ll repay it over time.
  2. Finding a card with a long enough 0% interest period. Once you’ve worked out how much money you’ll need (and how long you’ll need to pay it off), you should find a 0% purchase card that offers an interest free period that’s long enough to let you comfortably pay off your balance in time.
  3. Using the interest free period effectively. The key benefit of a 0% purchase credit card is the interest-free period, so it’s important you get the most out of it. Make sure you time your 0% interest period to line up with any expensive purchases you want to make.
  4. Always paying at least the minimum monthly payment. While you won’t be charged any interest during your 0% period, you can still be charged late payment fees if you don’t at least make the minimum monthly payment on your card.
  5. Making sure you pay off your balance before the 0% period ends. 0% purchase cards are a great way to minimise large expenses, but only if you pay your balance in full before the 0% interest period ends. If you still have a balance at the end of the 0% period, you’ll start to be charged interest, and this can get very expensive, very quickly.

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