Compare purchase credit cards

If you're looking for a credit card to spread the cost of a purchase, then look for a deal that offers the lowest interest rate possible. Some credit cards offer interest-free periods on purchases, so look to take advantage of one of these products. Moneysupermarket.com, offers a wider choice of credit card deals than any other comparison site, helping you identify the best card for your needs.

results for purchase cards

Card	Purchase		Typical APR (Variable)	Price for Risk Our 'Price for Risk' logo indicates that the credit card will assess your personal circumstances and credit history to determine the APR available to you. This may result in you being offered a different rate than that quoted
Card	Rate	Duration	Typical APR (Variable)
Bank of Scotland All In One	0%	9 months	15.9%	Yes	Bank of Scotland All In One 0% on Balance transfers for 9 months (BT fee 3%) 0% on Purchases for 9 months 15.9% Typical APR (Variable) 28% on Cash advances No annual fee 18 years Minimum age
Bank of Scotland All In One	0%	Our expert says: "This credit card is a very strong offer with a competitive 0% introductory period on purchases and balance transfers (subject to a fee)"
Halifax All In One	0%	9 months	15.9%	Yes	Halifax All In One 0% on Balance transfers for 9 months (BT fee 3%) 0% on Purchases for 9 months 15.9% Typical APR (Variable) 28% on Cash advances No annual fee 18 years Minimum age
Halifax All In One	0%	Our expert says: "This credit card is a very strong offer with a competitive 0% introductory period on purchases and balance transfers (subject to a fee)"
NSPCC Charity Card	0%	9 months	16.9%	Yes	NSPCC Charity Card 0% on Balance transfers for 9 months (BT fee 3%) 0% on Purchases for 9 months 16.9% Typical APR (Variable) 24% on Cash advances No annual fee 18 years Minimum age
NSPCC Charity Card	0%	Our expert says: "Make a real difference to the children who desperately need your help every time you shop on this credit card. A £20 donation is made when you first use your card and then 25p is donated for every £100 you spend thereafter"
Cancer Research UK Charity Card	0%	9 months	16.9%	Yes	Cancer Research UK Charity Card 0% on Balance transfers for 9 months (BT fee 3%) 0% on Purchases for 9 months 16.9% Typical APR (Variable) 24% on Cash advances No annual fee 18 years Minimum age
Cancer Research UK Charity Card	0%	Our expert says: "Your everyday spending on this credit card could help save lives by funding work and research into the prevention and treatment of cancer. A £20 donation is made when you first use your card and they donate 0.25% of every purchase you make"
Marriott Rewards Card	0%	6 months	15.9%	Yes	Marriott Rewards Card 0% on Balance transfers for 9 months (BT fee 3%) 0% on Purchases for 6 months 15.9% Typical APR (Variable) 23% on Cash advances No annual fee 18 years Minimum age
Marriott Rewards Card	0%	Our expert says: "Earn Marriott Rewards points every time you spend on your card. Receive 10,000 bonus Marriott Rewards points on your first purchase & 10 nights credit towards Elite member status each year"
Capital One Plus	0%	until May 2010	19.9%	No	Capital One Plus 0% on Purchases until May 2010 19.9% Typical APR (Variable) 34.9% on Cash advances No annual fee 18 years Minimum age £10000 p.a. Minimum income
Capital One Plus	0%	Our expert says: "Attractive deal if you are looking for a card to spend on as no interest is charged on purchases until 01/05/2010. However, only those with a good credit history will qualify"
MBNA Platinum Rewards Card	0%	3 months	15.9%	No	MBNA Platinum Rewards Card 0% on Balance transfers for 13 months (BT fee 2.9%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
MBNA Platinum Rewards Card	0%	Our expert says: "A good alternative to a cashback card because reward points can be used at a wide range of high street retailers including John Lewis, Boots and Debenhams. Earn 1 point for every £1.00 spent on the card. There is a 13-month 0% offer on balance transfers, but don’t use the card for this purpose if you’ll spend on it as well: purchases are only interest-free for 3 months – you’ll be charged 15.9% thereafter"
WWF	0%	3 months	15.9%	No	WWF 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
WWF	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
Breakthrough Breast Cancer	0%	3 months	15.9%	No	Breakthrough Breast Cancer 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Breakthrough Breast Cancer	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
bmi American Express Credit Card from MBNA	0%	3 months	15.9%	No	bmi American Express Credit Card from MBNA 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
bmi American Express Credit Card from MBNA	0%	Our expert says: "Competitive reward card that’s worth considering if you are a frequent flyer. Earn 1.5 destination miles for every £1.00 spent and 4.5 for every £1.00 spent on flybmi.com. Spend £250 in the first 90 days and receive 20,000 bonus miles. There is a 12-month 0% offer on balance transfers, but don’t use the card for this purpose if you’ll spend on it as well: purchases are only interest-free for 3 months – you’ll be charged 15.9% thereafter"
MBNA Platinum	0%	3 months	15.9%	No	MBNA Platinum 0% on Balance transfers for 13 months (BT fee 2.9%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
MBNA Platinum	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
Chelsea Rewards Platinum Credit Card	0%	3 months	15.9%	No	Chelsea Rewards Platinum Credit Card 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Chelsea Rewards Platinum Credit Card	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
Arsenal Rewards Platinum Credit Card	0%	3 months	15.9%	No	Arsenal Rewards Platinum Credit Card 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Arsenal Rewards Platinum Credit Card	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
Aston Villa Rewards Platinum Credit Card	0%	3 months	15.9%	No	Aston Villa Rewards Platinum Credit Card 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Aston Villa Rewards Platinum Credit Card	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000"
British Heart Foundation Platinum	0%	3 months	15.9%	No	British Heart Foundation Platinum 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
British Heart Foundation Platinum	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
SonyCard	0%	3 months	15.9%	No	SonyCard 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
SonyCard	0%	Our expert says: "Ideal if you want to collect reward points that can be used to buy music, film and electronic items. Receive 3,000 points when you make a purchase within the first 90 days.There is a 12-month 0% offer on balance transfers, but don’t use the card for this purpose if you’ll spend on it as well: purchases are only interest-free for 3 months – you’ll be charged 15.9% thereafter"
UNICEF Platinum	0%	3 months	15.9%	No	UNICEF Platinum 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
UNICEF Platinum	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
RSPCA	0%	3 months	15.9%	No	RSPCA 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
RSPCA	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
Dogs Trust	0%	3 months	15.9%	No	Dogs Trust 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Dogs Trust	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
Tottenham Hotspur Credit Card	0%	3 months	15.9%	No	Tottenham Hotspur Credit Card 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Tottenham Hotspur Credit Card	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000"
Manchester United Credit Card	0%	3 months	15.9%	No	Manchester United Credit Card 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Manchester United Credit Card	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
Liverpool FC Rewards Platinum Credit Card	0%	3 months	15.9%	No	Liverpool FC Rewards Platinum Credit Card 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Liverpool FC Rewards Platinum Credit Card	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
England Credit Card	0%	3 months	15.9%	No	England Credit Card 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
England Credit Card	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
Virgin Credit Card	0%	3 months	16.6%	No	Virgin Credit Card 0% on Balance transfers for 16 months (BT fee 2.98%) 0% on Purchases for 3 months 16.6% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age Shopping
Virgin Credit Card	0%	Our expert says: "This is a market leading balance transfer card with a 0% introductory period on balance transfers for 16 months with a 2.98% balance transfer fee. Also use this card to get money off your holidays"
HSBC Bank Credit Card	0%	3 months	16.9%	Yes	HSBC Bank Credit Card 0% on Balance transfers for 15 months (BT fee 2.9%) 0% on Purchases for 3 months 16.9% Typical APR (Variable) 23.9% on Cash advances No annual fee 18 years Minimum age £8500 p.a. Minimum income
HSBC Bank Credit Card	0%	Our expert says: "This product is currently only available to existing HSBC current account customers "
BT Credit Card	0%	3 months	16.9%	No	BT Credit Card 0% on Balance transfers for 13 months (BT fee 3%) 0% on Purchases for 3 months 16.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
BT Credit Card	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + Earn money off your BT bill with the BT Credit Card + You must be over the age of 23 + You must be a UK resident with an income over £20,000"
Nationwide BS Gold	0%	3 months	16.9%	No	Nationwide BS Gold 0% on Balance transfers for 13 months (BT fee 3%) 0% on Purchases for 3 months 16.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age £25000 p.a. Minimum income
Nationwide BS Gold	0%	Our expert says: "Great credit card. The 0% balance transfer offer is one of the longest available (3% balance transfer fee). It is also one of the cheapest cards to use abroad. Nationwide is one of the only major providers to allocate monthly repayments to the most expensive debt first"
Post Office Platinum	0%	3 months	16.9%	No	Post Office Platinum 0% on Balance transfers for 12 months (BT fee 2.98%) 0% on Purchases for 3 months 16.9% Typical APR (Variable) 24.1% on Cash advances No annual fee 18 years Minimum age £20000 p.a. Minimum income
NatWest Platinum	0%	3 months	16.9%	No	NatWest Platinum 0% on Balance transfers for 15 months (BT fee 2.9%) 0% on Purchases for 3 months 16.9% Typical APR (Variable) 28% on Cash advances No annual fee 18 years Minimum age £10000 p.a. Minimum income
NatWest Platinum	0%	Our expert says: "Available only for existing NatWest current account customers"
Royal Bank of Scotland Platinum	0%	3 months	16.9%	No	Royal Bank of Scotland Platinum 0% on Balance transfers for 15 months (BT fee 2.9%) 0% on Purchases for 3 months 16.9% Typical APR (Variable) 28% on Cash advances No annual fee 18 years Minimum age £10000 p.a. Minimum income
Royal Bank of Scotland Platinum	0%	Our expert says: "Available only for existing RBS current account customers"
Egg Card	0%	until 01/02/2010	16.9%	Yes	Egg Card 0% on Balance transfers until 01/12/2010 (BT fee 3%) 0% on Purchases until 01/02/2010 16.9% Typical APR (Variable) 22.9% on Cash advances No annual fee 18 years Minimum age
Egg Card	0%	Our expert says: "Earn up to 10% discounts on travel insurance, holiday auto rental cards and up to 5% on various products from lastminute.com"
Royal Bank of Scotland Classic	4.9%	9 months	16.9%	No	Royal Bank of Scotland Classic 4.9% on Purchases for 9 months 16.9% Typical APR (Variable) 28% on Cash advances No annual fee 18 years Minimum age £10000 p.a. Minimum income
Royal Bank of Scotland Classic	4.9%	Our expert says: "A competitive rate of 4.9% p.a for purchases within the first 9 months, plus regular payment back into your account. Available only for existing RBS current account customers"
NatWest Classic	4.9%	9 months	16.9%	No	NatWest Classic 4.9% on Purchases for 9 months 16.9% Typical APR (Variable) 28% on Cash advances No annual fee 18 years Minimum age £10000 p.a. Minimum income
NatWest Classic	4.9%	Our expert says: "A competitive rate of 4.9% p.a for purchases within the first 9 months, plus regular payment back into your account. Available only for existing NatWest current account customers"
Barclaycard Platinum Simplicity	6.8%	N/A	6.8%	No	Barclaycard Platinum Simplicity 6.8% Typical APR (Variable) 15.8% on Cash advances No annual fee 21 years Minimum age £20000 p.a. Minimum income
Barclaycard Platinum Simplicity	6.8%	Our expert says: "A credit card with a low APR on purchases and balance transfers with no BT fee. This is a meaningful alternative to short term 0% purchase offers"
NatWest Gold	8.9%	9 months	16.9%	No	NatWest Gold 8.9% on Purchases for 9 months 16.9% Typical APR (Variable) 28% on Cash advances No annual fee 18 years Minimum age £10000 p.a. Minimum income
NatWest Gold	8.9%	Our expert says: "Available only for existing NatWest current account customers"
Royal Bank of Scotland Gold	8.9%	9 months	16.9%	No	Royal Bank of Scotland Gold 8.9% on Purchases for 9 months 16.9% Typical APR (Variable) 28% on Cash advances No annual fee 18 years Minimum age £10000 p.a. Minimum income
Royal Bank of Scotland Gold	8.9%	Our expert says: "Available only for existing RBS current account customers"
AA Credit Card	16.9%	N/A	16.9%	No	AA Credit Card 0% on Balance transfers until December 2010 (BT fee 2.99%) 16.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
AA Credit Card	16.9%	Our expert says: "Attractive reward card, particularly for AA members. Members receive 2 points for every £1.00 spent on motoring costs and 1 point per £1.00 for other spending. Non-members receive 1 point for every £2.00 spent. Balance transfers are interest-free until Dec 2010. Spend on motoring products and services, fuel and AA products are interest free until Dec 2010"
Capital One Progress	34.9%	N/A	34.9%	No	Capital One Progress 34.9% on Balance transfers until repaid (BT fee 3%) 34.9% Typical APR (Variable) 34.9% on Cash advances No annual fee 18 years Minimum age £10000 p.a. Minimum income
Capital One Progress	34.9%	Our expert says: "Aimed at those with a good, but not excellent, credit rating. It’s an interesting proposition as the interest rate you are charged reduces if you adhere to the terms and conditions. The initial rate is 34.9% but this could fall to 19.9%"

Everything you need to know about purchase credit cards

What is a purchase credit card?

One of the biggest attractions of credit cards is that you do not have to pay your balance off in full each month - useful if you need to make a large purchase which you can't afford to pay off in one go.

Whether it is to buy the wedding dress of your dreams or a new bathroom suite, a credit card with a low purchases rate offers you the chance to spend now and pay later - often without paying any interest if you can pay off the debt within a few months.

Benefits

While lenders have tightened their belts since the onset of the credit crunch, you can still find cards on moneysupermarket.com offering 0% on purchases for up to 12 months.

This type of credit card can be great if you are looking to spread the cost of a purchase.

Negatives

Once the 0% offer ends you will be charged interest on any outstanding balance. This is often in excess of 16%. You should therefore look to clear your debt within the interest-free period.

However, bear in mind that the leading purchase credit card deals are only be available to those with squeaky clean credit histories. You may therefore not qualify for the credit card deal that catches your eye.

Alternatives

If you expect to spend a lot over the next few months, but do not expect to build up any debt, then a cashback card could prove more rewarding.

If, on the other hand, you think you might struggle to pay off any debts within the interest-free period, you may be better off with a long-term low rate credit card.

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