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Purchase credit cards

Looking for a credit card that offers interest free purchases? We compare the entire UK market, helping you finding the perfect card, whether it’s for one big purchase or to just give you a bit of breathing room over the next few months. With many providers offering over one year interest free, now may be the ideal time for that new card.

Credit Cards best buy table heading

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Santander 123
0 months
12.7% interest
5.00% 18 months
0.0% interest

cashback

16.5%
APR
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Card info Card rating

Get 3% cashback on fuel, National Rail & TFL travel, plus 1% at supermarkets

Representative example: If you spend £1,200 at an interest rate of 12.7% (variable) with a £24 annual fee your Representative APR will be 16.5% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

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  • 5 Star Rating
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Tesco Clubcard Credit Card for Purchases
3 months
0.0% interest
2.90% 18 months
0.0% interest

Clubcard points

18.9%
APR
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Card info Card rating

Earn 1 point for every £4 spend in each purchase transaction (£4 min)

Representative example: If you spend £1,200 at a purchase rate of 18.9% (variable) your Representative APR will be 18.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • 5 Star Rating
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Santander Purchase Credit Card
9 months
0.0% interest
3.00% 18 months
0.0% interest

no rewards

18.9%
APR
Apply
Card info Card rating

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

Representative example: If you spend £1,200 at a purchase rate of 18.9% (variable) your Representative APR will be 18.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 3 stars
  • This credit card has a 3 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
M&S Credit Card
12 months
0.0% interest
2.90% 15 months
0.0% interest

M&S points

16.9%
APR
Apply
Card info Card rating

Earn M&S points every time you shop with your card

Representative example: If you spend £1,200 at a purchase rate of 16.9% (variable) your Representative APR will be 16.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • 5 Star Rating
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Nationwide Purchases
no 0% intro
17.9% interest
2.40% 15 months
0.0% interest

no rewards

17.9%
APR
Apply
Card info Card rating

Build up a commission free foreign allowance with Rewards for Abroad

Representative example: If you spend £1,200 at a purchase rate of 17.9% (variable) your Representative APR will be 17.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • 5 Star Rating
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Limited balance transfer fee offer Halifax All in One
15 months
0.0% interest
0.80% 15 months
0.0% interest

no rewards

17.9%
APR
Apply
Card info Card rating

***APR is dependent on your personal circumstances***

Representative example: If you spend £1,200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 3 stars
  • This credit card has a 3 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Barclaycard Platinum Purchase
18 months
0.0% interest
2.49% 14 months
0.0% interest

no rewards

18.9%
APR
Apply
Card info Card rating

0% on new purchases for 14 months and balance transfers for 18 months

Representative example: If you spend £1,200 at a purchase rate of 18.9% (variable) your Representative APR will be 18.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Bank of Scotland Platinum Purchase
13 months
0.0% interest
1.00% 13 months
0.0% interest

no rewards

17.9%
APR
Apply
Card info Card rating

***APR and length of 0% period are dependent on your personal circumstances***

Representative example: If you spend £1,200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 2 stars
  • This credit card has a 2 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Limited balance transfer fee offer Lloyds Bank Credit Card
13 months
0.0% interest
1.00% 13 months
0.0% interest

no rewards

17.9%
APR
Apply
Card info Card rating

Balance Transfer fee refund - refunds part of a 3% fee so overall a 1% fee is payable

Representative example: If you spend £1,200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 2 stars
  • This credit card has a 2 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Tesco Clubcard Credit Card with Low BT Fee
12 months
0.0% interest
0.65% 12 months
0.0% interest

Clubcard points

18.9%
APR
Apply
Card info Card rating

Earn 1 point for every £4 spend in each purchase transaction (£4 min)

Representative example: If you spend £1,200 at a purchase rate of 18.9% (variable) your Representative APR will be 18.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • 5 Star Rating
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details

Purchase credit cards: help, tips & providers

About purchase credit cards

What is a purchase credit card?

A purchase credit card is a card that offers a special rate on all spending. They often offer zero per cent introductory rates, with some offering up to 18 months before any interest is charged, enabling you to spend and to spread the payments over a period of time. Spending on a purchase credit is a way to borrow money for free – you can use your card to pay for an item, the credit card company fulfils the payment allowing you to pay back the credit card company at a later date.

Are there are any drawbacks to a purchase card?

Whilst a purchase card is a great way to spread repayments over several months, the zero per cent offers can be withdrawn if you don’t keep up on minimum payments (typically 3% of the balance plus any fees), making the cost of borrowing rise substantially. Often, as part of your application you’ll be given the opportunity to set up a direct debit to pay the minimum each month, ensuring you meet the criteria to keep the offer.

It’s also worth considering how long it will take you to pay the balance, for example if you purchase an item worth £2,500 and pay the minimum each month it will take you longer than any introductory period to clear the balance. After the initial period the rate will increase and you’ll start to be charged interest on the balance, it’s then at this point you could complete a balance transfer and move the balance to a new credit card, or alternatively set up a direct debit to a fixed amount each month to ensure that the balance is cleared before the end of the promotional period.

Can anyone get a purchase credit card?

Purchase cards are typically aimed at those with good credit rating. If you are struggling with payments and are considering a credit card then a purchase credit card may not be the card for you. You can use our free Card Matcher tool to check the likelihood of being accepted for a card before you apply.

You can also check your credit rating for free to find out what you can do to make sure you get the credit you want.

Which providers offer purchase cards?

Many credit card providers offer cards with zero per cent introductory rates on purchases, but typically the longest introductory periods are provided by Barclaycard, Nationwide, Bank of Scotland and Halifax.