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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.

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Provider Balance transfer intro period & rate Purchases intro period & rate Rewards Representative APR Likelihood of acceptance Actions
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. Plus earn 1% cashback at supermarkets, 2% at department stores and 3% on petrol and National Rail and TFL travel (terms & conditions apply)

Halifax Purchase Credit Card

placeholder card image

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.

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

M&S Bank Credit Card

placeholder card image

15 months of 0.0% interest on transfers

2.90% fee

19 months 0% interest on purchases

Points

18.9% 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 16.9% (variable) annual.

Yorkshire Bank Gold

Yorkshire Bank Yorkshire Bank Gold Image

12 months of 0.0% interest on transfers

3.00% fee

19 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 19 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

19 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 19 months plus secure online shopping

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.
Benefit from collecting double Nectar points on your Sainsbury's shopping

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 Premier Avios Rewards Credit Card

Lloyds Bank Lloyds Bank Premier Avios Rewards Credit Card Image

18 months of 0.0% interest on transfers

3.00% fee

16 months 0% interest on purchases

Avios

52.1% APR

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Representative Example: Representative 52.1% APR variable. Based on £140 annual fee assumed borrowing of £1,200. Rate of interest 18.94% (variable) annual.
Flight Upgrade Voucher with annual spend of £5,000

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 Avios Rewards Credit Card

Lloyds Bank Lloyds Bank Avios Rewards Credit Card Image

18 months of 0.0% interest on transfers

3.00% fee

16 months 0% interest on purchases

Avios

23.7% APR

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Representative Example: Representative 23.7% APR variable. Based on £24 annual fee, assumed borrowing of £1,200. Rate of interest 18.94% (variable) annual.
Upgrade to Business Class when you spend £7,000 a year
 

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