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Purchase credit cards

Considering a large purchase or do you use your card regularly for buying goods and services? A credit card that offers interest free on purchases might be right for you. We compare top UK providers, helping you find the perfect card, whether it’s for one big purchase or several purchases spread out over the next few months. With many providers offering over one year interest free, now may be the ideal time for that new card.

Provider Balance transfer intro period & rate Purchases intro period & rate Rewards Representative APR Likelihood of acceptance Actions
Purchases

Halifax Purchase Credit Card

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6 months of 0.0% interest on transfers

1.00% 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.

Yorkshire Bank Gold

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12 months of 0.0% interest on transfers

3.00% fee

19 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 18.9% (variable) annual.

Gold Credit Card

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12 months of 0.0% interest on transfers

3.00% fee

19 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 18.9% (variable) annual.

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 18.941% (variable) annual.
Earn 1 point for every £4 spend in each purchase transaction (£4 min)

Sainsbury's Nectar Credit Card

Sainsbury's Bank Sainsbury's Nectar Credit Card Image

18 months of 0.0% interest on transfers

3.00% fee

18 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.
Collect double Nectar points on your Sainsbury's shopping

Santander Purchase Credit Card

Santander Santander Purchase Credit Card Image

9 months of 0.0% interest on transfers

3.00% fee

18 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.
Market-leading 0% purchase period- pay no interest for 18 months

Santander 123

Santander Santander 123 Image

1 months of 0.0% interest on transfers

3.00% fee

18 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.
Earn 1% cashback at supermarkets, 2% at department stores and 3% on petrol and National Rail and TFL travel (terms & conditions apply)

Tesco Bank Purchase Card with 1,000 Points

Tesco Bank Tesco Bank Purchase Card with 1,000 Points Image

3 months of 0.0% interest on transfers

2.90% fee

17 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.
1,000 Clubcard points if you make a purchase or transfer a balance within 2 months of account opening. Card only available if you apply online

First Direct Gold

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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 15.78% (variable) annual.

Halifax All in One Credit Card

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19 months of 0.0% interest on transfers

2.00% fee

16 months 0% interest on purchases

No rewards

18.9% APR

Card Matcher is not available for this card
Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 17.95% (variable) annual.

Halifax All in One

Halifax Halifax All in One Image

19 months of 0.0% interest on transfers

2.00% 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.
Benefit from 0% interest for up to the first 19 months on balances transferred within the first 90 days after your account is opened

Lloyds Bank Choice Rewards

Lloyds Bank Lloyds Bank Choice Rewards Image

18 months of 0.0% interest on transfers

3.00% fee

16 months 0% interest on purchases

Choice points

23.7% APR

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Representative Example: Representative 22.7% APR variable. Based on £24 annual fee, assumed borrowing of £1,200. Rate of interest 17.95% (variable) annual.
Double Choice points for the first 6 months on your American Express Card

Lloyds Bank Choice Rewards

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18 months of 0.0% interest on transfers

3.00% fee

16 months 0% interest on purchases

Choice points

23.7% APR

Card Matcher is not available for this card
Representative Example: Representative 22.7% APR variable. Based on £24 annual fee and assumed borrowing of £1,200. Rate of interest 17.95% (variable) annual.

Lloyds Bank Platinum Balance Transfer 18m

Lloyds Bank Lloyds Bank Platinum Balance Transfer 18m Image

18 months of 0.0% interest on transfers

2.00% 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 fee refunded to 2%

Bank of Scotland Platinum Balance Transfer 18m

Bank of Scotland Platinum Balance Transfer 18m Image

18 months of 0.0% interest on transfers

2.00% 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 to 2%

Nationwide Select

Nationwide Select Image

26 months of 0.0% interest on transfers

2.40% fee

15 months 0% interest on purchases

0.5% unlimited cashback

15.9% APR

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Representative Example: Representative 15.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 15.9% (variable) annual.
Available to new & existing Flex account holders. Plus 0.5% unlimited cashback.
 

Your guide to credit cards

  • Purchase credit card explained: how do purchase cards work?
  • What you’ll need to know
  • What are the benefits?
  • What are the drawbacks?
  • Alternative cards

Credit cards terms

  • Cash advance
  • Cash advance fee
  • Credit limit
  • Purchase introductory rate
  • Purchases
  • Withdrawal limit