Compare purchase credit cards

Considering a large purchase? Use your credit regularly for buying goods and services? Avoid interest on your credit card purchases by comparing the best 0% deals at MoneySupermarket.

Featured purchase credit cards - sorted by longest purchase offer

Apply for the cards below today or search all purchase cards

  1. Exclusive

    You won’t get this offer on any other comparison site

    Great for
    Managing your card online using Online Banking and Mobile Banking
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot transfer a balance from another Halifax card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% (variable) your representative APR will be 18.9% (variable).

  2. 2014 SUPERS

    Winner of our Best Credit Card Provider award 2014

    Great for
    Clubcard points on your spending. One point awarded for every £4 spent in each purchase transaction (£4 min). Must have available credit
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Tesco Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

  3. Great for
    Managing your card online using Internet Banking and Mobile Banking
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot transfer a balance from another Bank of Scotland card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% (variable) your representative APR will be 18.9% (variable).

  4. Exclusive

    Only available at MoneySuperMarket.com

    Great for
    1,000 bonus avios when you spend £500 in the first three months
    One Avios for virtually every £1 you spend
    But be aware that
    You must have a minimum household income of £20,000

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 15.9% (variable) your representative APR will be 15.9% (variable).

  5. Great for
    Earning monthly cashback on your everyday spending. 3% cashback on fuel, National Rail and TfL, 2% cashback at department stores and 1% cashback at supermarkets
    123 Current Account holders existing and new: Receive a refund of your first years annual fee on this card. Offer valid until 31st December 2014
    Subject to status. You will receive the exact rate and offer advertised if your application is accepted
    But be aware that
    An annual fee applies

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 12.7% (variable) with a £24 annual Fee your representative APR will be 16.5% (variable).

  6. Market leading

    Longest 0% combined balance transfer and purchase card

    Great for
    Collect double Nectar points on your Sainsbury's shopping (Ts&Cs apply)
    If accepted the APR and length of offer will be as stated
    Collect one Nectar point for every £5 spent on your card elsewhere
    But be aware that
    You cannot apply if you currently hold another Sainsbury’s Credit Card
    You won’t be able to transfer a balance that’s already on a Sainsbury’s Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% (variable) your representative APR will be 18.9% (variable).

  7. Great for
    Managing your card on the go with the Santander mobile app for iPhone, iPad and AndroidTM devices
    Protection against internet fraud
    Subject to status. You will receive the exact rate and offer advertised if your application is accepted
    But be aware that
    You cannot transfer a balance from another Santander card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

  8. Exclusive

    Only available at MoneySuperMarket.com

    Great for
    Earning up to 1.25% cashback on your spending
    But be aware that
    You must have a minimum household income of £20,000

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 19.9% (variable) your representative APR will be 19.9% (variable).

  9. Great for
    Managing your card online using Online Banking and Mobile Banking
    But be aware that
    The APR you get is subject to status, so may vary

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% (variable) your representative APR will be 18.9% (variable).

  10. Great for
    0% interest for the first 18 months on balance transfers
    0% interest on purchases for the first 16 months
    But be aware that
    You cannot transfer a balance from another Lloyds Bank card
    APR is subject to status

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.94% (variable) your representative APR will be 18.9% (variable).

  11. Great for
    Managing your card online using Internet Banking and Mobile Banking
    But be aware that
    The APR you get is subject to status, so may vary

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% (variable) your representative APR will be 18.9% (variable).

  12. Great for
    Receiving £5 worth of M&S points (T&Cs apply)
    Earning M&S points when you shop
    Preferential rates on M&S Travel Money and no cash advance fee
    But be aware that
    The APR you get is subject to status, so may vary

    Representative Example:

    If you spend £1,200 at an annual interest rate of 16.9% (variable) your representative APR will be 16.9% (variable).

  13. Great for
    Pre-Approval – Halifax current account customers can use ‘Will you get this card?’ to see if you are pre-approved for this card
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Halifax credit card
    You won’t be able to transfer a balance that’s already on a Halifax Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) your representative APR will be 17.9% (variable).

  14. Great for
    Rewards for Abroad feature
    Fraud protection guarantee
    But be aware that
    You cannot transfer a balance from another Nationwide card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.9% (variable) your representative APR will be 17.9% (variable).

  15. 2014 SUPERS

    Winner of our Best Credit Card Provider award 2014

    Great for
    Clubcard points on your spending. One point awarded for every £4 spent in each purchase transaction (£4 min). Must have available credit
    If accepted the length of promotional offer will be as stated
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Tesco Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

  16. Existing Customer Only

    Offer only available to existing Nationwide FlexAccount, FlexDirect or FlexPlus Account holders

    Great for
    Unlimited commission-free purchases abroad
    But be aware that
    You won’t be able to transfer a balance that’s already on a Nationwide credit card
    You will need your Nationwide current account details to complete your application

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 15.9% (variable) your representative APR will be 15.9% (variable).

  17. Great for
    2.9% fee applies but is reduced to 2.49% by a refund
    Paying 0% interest on balance transfers for 19 months
    Paying 0% on purchases for 14 months
    But be aware that
    If you have a balance transfer you will pay interest on all purchases made once the 0% purchase rate for 14 months has expired, unless you repay your entire balance in full each month
    The APR you get is subject to status, so may vary

    Representative Example:

    If you spend £1,200 at variable interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

  18. Great for
    A low 14.9% p.a. variable on card purchases after the promotional period
    Low balance transfer fee of 1.5%
    Transfer money to your current account
    But be aware that
    You cannot transfer a balance from another MBNA or Virgin card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 14.9% (variable) your representative APR will be 14.9% (variable).

  19. Great for
    Pre-Approval – Bank of Scotland current account customers can use ‘Will you get this card?’ to see if you are pre-approved for this card
    Cover against online fraud. A card replacement if lost
    But be aware that
    You cannot apply if you currently hold another Bank of Scotland credit card

    Representative Example:

    If you spend £1,200 at a puchase interest rate of 17.95% (variable) your representative APR will be 17.9% (variable).

  20. Great for
    A choice of ways to manage your account. Internet fraud protection
    Pre-Approval – Lloyds Bank current account customers can use ‘Will you get this card?’ to see if you are pre-approved for this card
    But be aware that
    Your APR is subject to status and may vary

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) your representative APR will be 17.9% (variable).

  21. Great for
    Keep track of your purchases with TSB Money Planner
    Internet fraud protection
    But be aware that
    The APR you get is subject to status, so may vary
    You won’t be able to transfer a balance that’s already on a TSB card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) your representative APR will be 17.9% (variable).

  22. Great for
    Upgrade up to Business Class when you spend £7,000 a year
    No foreign transaction fees when spending abroad
    Double Avios for six months on your Lloyds Bank Avios Rewards American Express card
    But be aware that
    There is a £24 annual fee
    You cannot transfer a balance from another Lloyds Bank card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) with a £24 annual Fee your representative APR will be 22.7% (variable).

  23. Great for
    Choosing the reward you want, which include high street vouchers, cashback and Avios
    Collecting double Choice points for the first six months on the American Express Card
    Collecting 10 Choice points for every £1 on the American Express® Card and 10 Choice points for every £5 on the MasterCard®
    But be aware that
    There is an annual fee of £24
    Your APR is subject to status and may vary
    Different earn rates of rewards/cashback apply dependent on card used

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) with a £24 annual Fee your representative APR will be 22.7% (variable).

  24. Great for
    Upgrade up to a Business Class when you spend £5,000 a year
    Companion ticket after you spend £12,000 a year, eligible at air partners
    No foreign transaction fees when spending abroad
    But be aware that
    There is a £140 annual fee
    You cannot transfer a balance from another Lloyds Bank card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) with a £140 annual Fee your representative APR will be 50.8% (variable).

Purchase credit cards

Fancy a week in the sun? Or that designer dress you’ve had your eye on? Well a purchase credit card could be the answer, allowing you to buy now and pay later.

What is a purchase credit card?

Put simply, it’s a credit card designed for making purchases.

Used properly, a purchase credit card is the cheapest way to borrow, allowing you to spread the cost of big ticket items over long periods, at no extra cost.

With some credit cards offering 0% on purchases for as long as 16 months, you can essentially borrow for free as long as you clear the balance before the interest-free period ends.

What are the advantages?

You can use this type of credit card to spread the cost of a purchase over time, which is great if you can’t afford something outright, or don’t want to pay upfront for it. For example, you might book flights on a purchase credit card for £500 and pay it off over a number of months.

If you have a card offering 0% on purchases for the current maximum of 16 months, you won't pay for anything other than the face value of the flights, so long as you pay off the full balance before the interest-free period ends.

If you don’t have an interest free card, you won’t be charged any interest as long as you clear your balance in full each month.

You’ll also get added protection when you use a credit card, which you wouldn’t get with cash or debit card purchases.

Under Section 75 of the 1974 Consumer Credit Act, you can claim back the money on any purchases where the goods turn out to be faulty or don’t arrive if they cost between £100 and £30,000. So, if the airline you booked your flights with went bust, you’d be able to get your money back – even if you put just the deposit on the card.

The Consumer Credit Directive took this protection even further in 2011, and allows you to claim back up to £60,260.

Are there any disadvantages?

If you don’t clear your balance in full by the end of each month, or, if you if you have a 0% purchase card, by time the interest-free period ends, you’ll be charged interest.

The typical annual percentage rate (APR) on purchase credit cards is around 18%, so it can be a very expensive way to borrow if you let a balance languish on a card.

Also, the most attractive purchase credit cards, such as those offering the longest interest-free periods, are reserved for people with the best credit scores. Those with low credit scores or limited credit histories will struggle to be approved from some cards.

Are there any alternatives?

Yes – if you’re planning a bit of a spending spree but you have the cash to afford it, you might as well use a cashback credit card and earn some money back for your purchases, before paying off the balance in full by the end of the month.

If you’re unlikely to be able to pay off anything but the minimum balance each month, however, you might be better off with a personal loan.

Personal loan rates are generally lower than typical credit card rates, and fixed payments over a set term can make it easier to manage your borrowing.

You can compare purchase credit cards for free here at MoneySupermarket, along with cashback credit cards, personal loans and more.

Your personalised chance of approval

We’ve taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it’s better to get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you’ve probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren’t a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free, independent and compare all UK credit cards as well as offering exclusive deals you can't get anywhere else.

Close

Cookie use

MoneySupermarket uses cookies, small text files which are downloaded to your computer's hard drive when you visit most websites.

Read more

Cookies are harmless files which can help improve the experience. Cookies allow websites to respond to you as an individual. The website can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

Read less | Cookie Policy

Close