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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

placeholder card logo

6 months of 0.0% interest on transfers

1.00% fee

20 months 0% interest on purchases

No rewards

18.9% APR

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

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

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 Logo

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 Logo

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 Logo

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 Logo

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)

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

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

Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 17.95% (variable) annual.

Halifax Platinum Balance Transfer 19m

Halifax Halifax Platinum Balance Transfer 19m Logo

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 £1,200. Rate of interest 18.95% (variable) annual.
Transfer your balance and pay no interest for 19 months plus your fee refunded to 2%

Lloyds Bank Platinum Balance Transfer 18m

Lloyds Bank Lloyds Bank Platinum Balance Transfer 18m Logo

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 Logo

18 months of 0.0% interest on transfers

2.00% fee

16 months 0% interest on purchases

No rewards

18.9% APR

Can I get this card?

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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

'tionwide Building Society Nationwide Select Logo

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.

Halifax All in One

Halifax Halifax All in One Logo

15 months of 0.0% interest on transfers

0.80% fee

15 months 0% interest on purchases

No rewards

17.9% APR

Can I get this card?

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Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 17.95% (variable) annual.
0% interest on new purchases and balance transfers for 15 months with a low 0.8% balance transfer fee. APR is dependent on your personal circumstances

Nationwide Select Low Fee BT

Nationwide Nationwide Select Low Fee BT Logo

15 months of 0.0% interest on transfers

0.55% 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