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Purchase credit cards

Do you use your card for paying for your everyday shopping and bills or are you considering a large purchase like a holiday or new furniture?

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, so you can spread your repayments.

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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Purchases intro period & rate
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Purchases

The Co-operative Bank 3 Year Fixed Rate

placeholder card image

36 months of 6.9% interest on transfers

0.00% fee

36 months 6.9% interest on purchases

No rewards

15.9% APR

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Representative Example: Representative 15.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 15.9% (variable) annual

Virgin Money All Round Credit Card

Virgin Money Virgin Money All Round Credit Card Image

24 months of 0.0% interest on transfers

1.00% fee

24 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 purchase period at 0% interest for 2 years, plus 0% interest for 2 years on balance and money transfers

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

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

21 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 21 months interest free on purchases and earn Clubcard points as you spend, no annual fee

Halifax Purchase Credit Card

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13 months of 0.0% interest on transfers

3.00% fee

21 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.

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.
Pay no interest for 20 months on purchases, plus transfer your balance and pay 0% for a year

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.
Pay no interest for 20 months on purchases, plus transfer your balance and pay 0% for a year

TSB Platinum Purchase Card

TSB TSB Platinum Purchase Card Image

20 months of 0.0% interest on transfers

2.95% 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 18.94% PA (variable) annual.
Benefit from 0% interest for 20 months on purchases & balance transfers, 2.95% handling fee

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

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

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Representative Example: Representative 16.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 16.9% (variable) annual.

Lloyds Bank Platinum 19 Month Purchase and Balance Transfer

Lloyds Bank Lloyds Bank Platinum 19 Month Purchase and Balance Transfer Image

19 months of 0.0% interest on transfers

1.00% 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 18.94% (variable) annual.
Transfer your balance and pay no interest for 19 months plus your handling fee refunded from 3% to a low 1%

Bank of Scotland Platinum Balance Transfer 19m

Bank of Scotland Platinum Balance Transfer 19m Image

19 months of 0.0% interest on transfers

1.00% 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 18.95% (variable) annual.
Transfer your balance and pay no interest for 19 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

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 £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 19 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