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Purchase credit cards

Compare 0% purchase credit cards

  • Representative 34.9% APR

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MoneySuperMarket is a credit broker not a lender. You must be 18 or over and a UK resident.

Representative 34.9% APR

Compare purchase credit cards from 23 providers1

When you're in the market for a purchase credit card, it's vital to shop around for the best deals. We help you track down a great card from leading providers across the market.

company logo for Tesco Bank
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1Accurate as of February 2024



What is an interest-free purchase credit card?

A 0% purchase credit card lets you make purchases without being charged interest for a fixed period, such as three months, six months or even one year. That's in contrast to standard credit cards that add interest every month.

0% purchase cards can be useful if you're looking to spread the cost of a big-ticket purchase. But it's important to note that when the introductory 'free' period ends, you will be obliged to pay interest unless you clear the balance every month.

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How do 0% purchase credit cards work?

Purchase credit cards work like other credit cards but don't charge interest for an agreed period, making it a cheap way to borrow money for a large purchase without accruing interest. But as with every line of credit there are a few things you should watch out for. Here’s how they work:

  • Make that big purchase

    When you open a new 0% purchase credit card you’ll usually have a few months to buy something interest free. After that, you’ll be charged interest

  • Zero interest for a fixed period

    Once you’ve made your purchase the card provider won’t apply interest for a fixed period of time. This could last for a few months up to almost two years

  • Pay it off in good time

    Do your best to pay off your balance within the 0% interest period. If you leave it too late your interest rate shoots up and you could end up worse off

What are the pros and cons of interest free purchase cards?

Before you commit to a 0% purchase card, it's vital you're aware of everything that's good and less good about them. Here's our whistlestop guide...

  • Tick

    Advantages

    • 0% interest on purchases can help you take control of your finances

    • If you buy a big-ticket item, you’ll have time to pay it off without accruing interest

    • Generally offer the option to transfer debt from high-interest credit cards 

  • Cross

    Disadvantages

    • At the end of the interest-free period, your purchase card will revert to a much higher APR

    • Be careful not to exceed your credit limit or you'll start paying interest

    • If you miss a payment, you may lose your 0% deal and could face a charge

Why compare 0% purchase credit cards with MoneySuperMarket?

  • We make it quick and easy

    Tell us a few personal details and what you’re looking for. That’s all we need to start seeking out our best 0% purchase credit cards to meet your needs.

  • Check your chances of being accepted

    We'll run a soft search that won't damage your credit score. Better yet, we'll only show you the purchase credit cards you’re most likely to be accepted for.

  • You’ll see your chances of acceptance

    We’ll show you the percentage chance of being accepted for each credit card deal depending on your current financial status.

How to choose the best purchase credit card

With so many different 0% purchase credit cards on the market it can be difficult to find the one that suits you best. Think about the following factors when you’re on the hunt for a new purchase card:

  • 1

    The interest-free period

    The more time you have to pay off your balance, the larger the purchase you can make. Remember, it is only purchases that are interest-free during this introductory period. 

  • 2

    The revert-to rate

    Once the interest-free period comes to an end the interest rate is likely to jump up. Try to pay off the balance before the higher rate kicks in or consider transferring your remaining balance to a new card. 

  • 3

    Look out for fees and penalties

    Some cards charge for late repayments or exceeding your limit and others have usage fees. Check you’re happy with these fees. Then consider setting up a direct debit to avoid missing a monthly payment.  

Can I get a 0% purchase credit card with bad credit?

It's hard to say for sure if you'll get a 0% purchase card with bad credit. Here's what you need to know...

  • If you’ve had problems with debt in the past, such as missed repayments, you may find it harder to get a 0% purchase credit card with ideal terms

  • If you have a fair credit score you may find that you’re eligible for purchase credit cards with lower limits or shorter interest-free windows

  • You may not be eligible for any 0% interest card if your score is too low. Luckily you can build up your credit score with a credit card for bad credit

Representative 34.9% APR

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Know where you stand with a pre-approved credit card

Applying for a credit card can sometimes feel daunting, because it’s not always clear what deal you’ll get, or if you’ll be accepted. But when you’re pre-approved for a credit card you can relax, because you know the deal you see is the deal you’ll get. You’ll know where you stand, with the facts at your fingertips to help you make the right choice for you.

  • Apply with confidence

    When you’re pre-approved, the interest rate, interest-free period and fee (if there is one) are all confirmed – the only thing not guaranteed is your credit limit.

  • Tailored to you

    You’ll see your unique, personalised chance of being approved for all credit cards, so you can easily compare all your options at a glance.

  • You’re in safe hands

    Knowing all this upfront puts you in the driving seat. You’re less likely to be turned down when you apply, so your credit score is protected.

Rebecca Goodman

Our expert says

"

A 0% purchase card gives you the option of paying for a big purchase, such as a holiday or a new sofa, without paying any interest. If you pay off the item within the 0% period, you are essentially borrowing the money for free. That said, if you can’t pay it off in the 0% period, you will start paying interest on the balance and it’s likely to be expensive. If you won’t clear the card within the 0% card, it might not be the best option for you.

"
- Rebecca Goodman, Financial journalist

How to compare credit cards with MoneySupermarket

If you feel that a 0% purchase credit card could be right for you, the next step is to use the MoneySuperMarket Eligibility Checker to see what cards are available – and which are most likely to approve you

  • Tell us about yourself

    We'll ask you a handful of simple questions about you and your financial circumstances, and what you need from a credit card

  • We browse the market

    We'll  sift through dozens of credit cards offers from across the market, and show you the cards we think will suit you best

  • Pick the card you want

    You'll be shown a range of credit cards, which you'll be able to sort according to APR, features and your chances of being approved

Read our latest personal finance news

APR stands for annual percentage rate, and it represents the total cost of the loan – including the interest you’ll pay as well as any additional fees and charges.

0% interest purchase credit cards are only available to people over 18 years old, with a UK bank account, permanent UK address and a regular income. 

If you miss a repayment on your 0% interest purchase credit card, you’ll likely lose your 0% interest rate – which means you’ll be put on your lender’s standard variable instead, which is usually much higher. You may also have to pay a fee or charge, depending on your lender.

If you want to increase your credit limit you can contact your lender and ask them to raise it, but you should only do this once you’ve used your card for a while and demonstrated that you can borrow and repay money sensibly.

Your lender may offer a credit limit increase if you’ve been with them for a long period of time, but you don’t always have to accept – you can ask them for a smaller increase, or reject it altogether.

Once you apply for a credit card, acceptance is usually automatic and quite quick, though you may be flagged for an enhanced approval, which can take a few extra days.

Once you’re accepted and agree on the contract it usually takes up to seven working days for your new credit card to arrive.

Every credit card comes with a minimum payment that you have to make on the balance each month. What that minimum is depends on the card issuer. Some lenders will insist on a small percentage of the total fee, while others will have a flat fee.

You’re looking to spend £600 on a new cooker for your home. You decide to apply for a 0% purchase credit card and are approved for a card with an introductory period of 0% interest on purchases for six months. 

You buy the cooker on the credit card and decide to pay £100 off the balance every month until it is cleared. Because you pay 0% interest on purchases for six months, you only pay £600 for the cooker. It is effectively a way of spreading what you owe with no further charges. 

Buying the same cooker on a credit card without a 0% deal on purchases means that unless you can pay off the full £600 by your next monthly card payment date you will have to pay interest on your purchase until the £600 is fully paid off.  

 



At the time of writing, the purchase cards with the longest 0% period typically allow you to use your card to buy goods and services for up to 24 months without accruing any interest. That means that, as long you're sensible, you could make a big-ticket purchase and have a decent window in which to pay it off, without accruing further interest.

If you’re applying for a credit card, you might be able to find a better deal if you look through offers from different providers before taking one out. With MoneySuperMarket you’ll be able to search through multiple credit cards and compare them by a range of factors, including their interest rates and any benefits and rewards they come with.

All you need to do is answer a few questions about yourself and your financial situation, and our Eligibility Checker will show your chances of being accepted for different credit cards. This won’t affect your credit score, so you can run a check without any worries.

Once you know which card you want, you can normally apply by phone, online, or in person if the provider has a high street branch. However, when you do apply, the provider will usually run a hard credit check – which will show up on your credit report – to confirm whether they’ll give you the card. If you’re accepted they’ll tell you your credit limit and interest rate, and soon you’ll be ready to start using your credit card.

MoneySuperMarket gives you lots of clever ways to save a lot, by doing very little.

  • Take control of your credit score by checking and improving it for free with Credit Monitor

  • Never overpay again with Energy Monitor, our energy monitoring service

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So how do we make our money? In a nutshell, when you use us to buy a product, we get a reward from the company you’re buying from.

But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?

We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.