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Purchase Credit Cards - Compare 0% APR Cards - Confused.com

Looking for a credit card that offers interest free purchases? Whether it’s for one big purchase or just to give you a bit of breathing room over the next few months, we compare cards with introductory interest-free purchases lasting up to 18 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 Actions
Purchases

Santander 123

Santander Santander 123 Logo

1 months of 0.0% interest on transfers

5.00% fee

18 months 0% interest on purchases

No rewards

16.5% APR

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Representative Example: Representative 16.5% APR variable. Based on £24 annual fee assumed borrowing of £1200. Rate of interest 16.5% (variable) annual.
Get 3% cashback on fuel, National Rail & TFL travel plus 1% at supermarkets

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

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 £1200. Rate of interest 18.941% (variable) annual.
Earn 1 point for every £4 spend in each purchase transaction (£4 min)

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 £1200. Rate of interest 18.9% (variable) annual.
Market-leading 0% purchase period- pay no interest for 18 months

Sainsbury's Nectar Credit Card

Sainsbury's Bank Sainsbury's Nectar Credit Card Logo

16 months of 0.0% interest on transfers

3.00% fee

16 months 0% interest on purchases

No rewards

16.9% APR

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Representative Example: Representative 16.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 16.94% (variable) annual.
Collect double Nectar points on your Sainsbury's shopping

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

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.
Available to new & existing Flex account holders. Plus 0.5% unlimited cashback.

M&S Credit Card

M&S Bank M&S Credit Card Logo

12 months of 0.0% interest on transfers

2.90% fee

15 months 0% interest on purchases

No rewards

16.9% APR

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Representative Example: Representative 16.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 16.9% (variable) annual.
Earn M&S points every time you shop with your card

Nationwide Purchases

'tionwide Building Society Nationwide Purchases Logo

No 0% intro on transfers

N/A fee

15 months 0% interest on purchases

No rewards

17.9% APR

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Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.9% (variable) annual.
Build up a commission free foreign allowance with Rewards for Abroad

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

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Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.
***APR is dependent on your personal circumstances***

Halifax All in One Card Credit Card

placeholder card logo

15 months of 0.0% interest on transfers

0.80% fee

15 months 0% interest on purchases

No rewards

17.9% APR

Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.

Barclaycard Platinum Purchase

Barclaycard Platinum Purchase Logo

18 months of 0.0% interest on transfers

2.49% fee

14 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 18.9% (variable) annual.
0% on new purchases for 14 months and balance transfers for 18 months

Lloyds Bank Credit Card

Lloyds Bank Lloyds Bank Credit Card Logo

13 months of 0.0% interest on transfers

1.00% fee

13 months 0% interest on purchases

No rewards

17.9% APR

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Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.
Balance Transfer fee refund - refunds part of a 3% fee so overall a 1% fee is payable

Bank of Scotland Platinum Purchase

Bank of Scotland Platinum Purchase Logo

13 months of 0.0% interest on transfers

1.00% fee

13 months 0% interest on purchases

No rewards

17.9% APR

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Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.9% (variable) annual.
***APR and length of 0% period are dependent on your personal circumstances***

TSB Platinum Purchase Card

placeholder card logo

13 months of 0.0% interest on transfers

1.00% fee

13 months 0% interest on purchases

No rewards

17.9% APR

Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.

AA Rewards

AA Rewards Logo

12 months of 0.0% interest on transfers

3.00% fee

10 months 0% interest on purchases

No rewards

16.9% APR

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Representative Example: Representative 16.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 16.9% (variable) annual.
Earn Rewards Points towards cashback, shopping vouchers and more

Saga Platinum

Saga Saga Platinum Logo

9 months of 0.0% interest on transfers

3.00% fee

9 months 0% interest on purchases

No rewards

11.9% APR

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Representative Example: Representative 11.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 11.9% (variable) annual.
Available to customers over 50. No fee when spending abroad

John Lewis Partnership Card

placeholder card logo

6 months of 0.0% interest on transfers

2.50% fee

6 months 0% interest on purchases

No rewards

16.9% APR

Representative Example: Representative 16.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 16.9% (variable) annual.

Post Office

Post Office Ltd Post Office Logo

18 months of 0.0% interest on transfers

2.98% fee

3 months 0% interest on purchases

No rewards

17.8% APR

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Representative Example: Representative 17.8% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.8% (variable) annual.
0% commission on purchases overseas plus no cash advance fee on travel money

fluid Low Fee

fluid fluid Low Fee Logo

12 months of 0.0% interest on transfers

0.75% fee

3 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 18.9% (variable) annual.
Benefit from a low handling fee of only 0.75% when you transfer your balance
 

Providers

Your guide to credit cards

  • Which providers offer purchase cards?
  • What is a purchase credit card?
  • Which providers offer purchase cards?
  • Are there are any drawbacks to a purchase card?

Credit cards terms

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