0% purchase period
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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.
0% purchase credit cards allow you to make purchases and pay zero interest on them during the introductory period. When this period ends, the standard purchase rate will be charged on any remaining balance on your card. If you have some big-ticket purchases to make, a 0% purchase credit card can temporarily keep your interest costs low, which could help you pay off the balance faster.
While a standard credit card typically has an interest rate between 12% and 22% p.a. for purchases, credit cards offering interest-free purchases provide zero interest on all eligible purchases made during the promotional period. If used correctly, a 0% card can save you £100’s in interest and be one of the cheapest ways to borrow money.
There is no one single leading 0% interest credit card on the market because each offer is designed to suit different spending habits and budgets.
Each month, our team of experts analyse all the cards currently available and rate the most outstanding card for different categories based on a detailed methodology. If you’re looking for the top 0% purchase credit card, you can use this guide. It’s good to keep in mind that if you do apply for these top cards, your approval will be dependant on factors like your borrowing history and current income.
Otherwise, you can find a 0% purchase credit card deal that works for you by comparing the following features:
While each of these cards offers 0% on purchases, there are several types of interest free purchase credit cards. You can compare the additional benefits and features to determine which type of 0% purchase credit card is right for you.
|0% purchase offer type||Benefits|
|Standard 0% purchase offer||Includes the 0% promotional purchase rate for a specified period, which will revert back to the standard purchase rate once the offer has ended. Extra benefits such as interest-free days, travel benefits and complimentary insurances may also be available.|
|0% purchases with frequent flyer benefits||Earn frequent flyer points for every dollar spent on your card for the life of the card and also take advantage of an interest-free purchase promotional period.|
|0% purchases with balance transfer offers||This type of card allows you to transfer and repay your existing credit card debt interest-free whilst also making purchases with zero interest.|
|0% purchases with rewards benefits||Pay no interest on your purchases and earn rewards points for every dollar you spend. Unlike a frequent flyer card, these are connected to your credit card’s rewards program and can be redeemed for flights, merchandise and cash back.|
Most credit cards offer you up to a certain number of interest-free days each statement period, for example, up to 55 days. To take advantage of interest-free days, you usually need to pay off your full balance by the due date on each statement. As long as you meet these conditions, you can enjoy interest-free days on your card.
In comparison, credit cards that offer a promotional 0% interest on purchases give you a temporary period when you can make purchases without paying any interest. You only have to make minimum payments during the promotional period. But a standard interest rate will apply to any balance remaining at the end of that period.
Want to get the most out of a 0% interest period? Here are four things to avoid:
The introductory 0% interest periods offered in these cards can be a great way to save money on planned purchases and big-ticket items that you need to buy. When you’re comparing these cards, pay attention to how long the promotional period lasts, what interest rate applies at the end of the promotional period and other features and fees so that you can find one that suits your needs.
There’s a question over the future of 0% credit cards due to new rules designed to protect consumers, according to a campaigner.
The supermarket’s new dual offer card means customers don’t have to pay interest on purchases for up to 29 months.
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