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Purchase credit cards

Do you use your card regularly for buying goods and services or considering a large purchase?

Purchase cards typically offer 0% introductory rates on purchases, allowing you to spread your repayments over a number of months.

We compare top UK lenders to help you find the right card based on your needs, including introductory 0% purchase card deals for up to 23 months interest free, now may be the ideal time for that new card.

Find out how purchases cards work and what you’ll need to know for more information.

Market leading 0% purchase period

Santander 123 Image

Santander 123

Benefit from 23 months interest free on purchases & transfers (with no handling fee), plus earn up to 3% cashback. £24 annual fee applies.

Representative Example: Representative 16.5% APR variable. Based on £24 annual fee assumed borrowing of £1,200. Rate of interest 12.7% (variable) annual.

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Provider Balance transfer intro period & rate
Purchases intro period & rate
Rewards
Representative APR
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Purchases

Santander 123

Santander 123 Image

23 months of 0.0% interest on transfers

0.00% fee

23 months 0% interest on purchases

Up to 3% cashback dependent on spend

16.5% APR

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Representative Example: Representative 16.5% APR variable. Based on £24 annual fee assumed borrowing of £1,200. Rate of interest 12.7% (variable) annual.
The UK's longest purchase period, earn cashback at supermarkets, department stores, and travel. Plus transfer your balance without paying a handling fee

Yorkshire Bank Gold

Yorkshire Bank Yorkshire Bank Gold Image

12 months of 0.0% interest on transfers

3.00% fee

20 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
Benefit from 0% on purchases for 20 months plus secure online shopping

Clydesdale Bank Gold

Clydesdale Bank Clydesdale Bank Gold Image

12 months of 0.0% interest on transfers

3.00% fee

20 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
Benefit from 0% on purchases for 20 months plus secure online shopping

Halifax Purchase Credit Card

placeholder card image

13 months of 0.0% interest on transfers

3.00% fee

20 months 0% interest on purchases

No rewards

18.9% APR

Card Matcher is not available for this card
Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.95% (variable) annual.

M&S Credit Card

M&S Bank M&S Credit Card Image

15 months of 0.0% interest on transfers

2.90% fee

19 months 0% interest on purchases

M&S Rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
Earn M&S points every time you shop with your card, plus no interest to pay on purchases for the first 19 months

Tesco Clubcard Credit Card for Purchases

Tesco Bank Tesco Clubcard Credit Card for Purchases Image

3 months of 0.0% interest on transfers

2.90% fee

19 months 0% interest on purchases

Tesco Clubcard points

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
Benefit from 19 months interest free on purchases and earn 1 Clubcard point for every £4 spend in each purchase transaction (£4 min)

Sainsbury's Purchase Credit Card

Sainsbury's Bank Sainsbury's Purchase Credit Card Image

19 months of 0.0% interest on transfers

3.00% fee

19 months 0% interest on purchases

Nectar points

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.95% (variable) annual.
One rate for purchases & transfers at 0% for 19 months, plus collect Nectar points each time you spend on your card

First Direct Gold

placeholder card image

No 0% intro on transfers

N/A fee

17 months 0% interest on purchases

No rewards

16.9% APR

Card Matcher is not available for this card
Representative Example: Representative 16.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 15.76% (variable) annual.

Halifax All in One Credit Card

placeholder card image

19 months of 0.0% interest on transfers

1.00% fee

16 months 0% interest on purchases

No rewards

18.9% APR

Card Matcher is not available for this card
Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.95% (variable) annual.

MBNA Everyday Credit Card

MB' Ltd  MBNA Everyday Credit Card Image

22 months of 0.0% interest on transfers

1.75% fee

16 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
A credit card designed for all your everyday spending plus benefit from a low balance transfer fee

Lloyds Bank Platinum Balance Transfer 18m

Lloyds Bank Lloyds Bank Platinum Balance Transfer 18m Image

18 months of 0.0% interest on transfers

1.00% fee

16 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.94% (variable) annual.
Transfer your balance and pay no interest for 18 months plus your handling fee refunded from 3% to a low 1%

Bank of Scotland Platinum Balance Transfer 18m

Bank of Scotland Platinum Balance Transfer 18m Image

18 months of 0.0% interest on transfers

1.00% fee

16 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.95% (variable) annual.
Transfer your balance and pay no interest for 18 months plus your fee refunded from 3% to 1%

Halifax All in One

Halifax Halifax All in One Image

19 months of 0.0% interest on transfers

1.00% fee

16 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.95% (variable) annual.
Transfer your balance in the first 90 days and benefit from a low transfer fee of 1%, plus 0% on purchases for 16 months

Inspop.com Limited, trading as Confused.com, is a credit broker for the consumer credit products listed on our credit card pages. Confused.com provides an independent comparison service free of charge; however, we may receive a commission from some of the companies we refer you to.

 

Your guide to credit cards

  • Which providers offer purchase cards?
  • Purchase credit card explained: how do purchase cards work?
  • What are the benefits?
  • What are the drawbacks?

Credit cards terms

  • Credit limit
  • Purchase introductory rate
  • Cash advance