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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
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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, earn cashback at supermarkets, department stores, and travel. Plus transfer your balance without paying a handling fee

Halifax Purchase Credit Card

placeholder card image

13 months of 0.0% interest on transfers

3.00% 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.

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.
Benefit from 0% on purchases for 20 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

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.
Benefit from 0% on purchases for 20 months plus secure online shopping

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

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.
Benefit from 19 months interest free on purchases and earn 1 Clubcard point for every £4 spend in each purchase transaction (£4 min)

Sainsbury's Purchase Credit Card

Sainsbury's Bank Sainsbury's Purchase Credit Card Image

18 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 18.95% (variable) annual.
One rate for purchases & transfers at 0% for 18 months. Plus collect double Nectar points on your Sainsbury's shop

First Direct Gold

placeholder card image

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 15.76% (variable) annual.

MBNA Everyday Credit Card

MB' Ltd  MBNA Everyday Credit Card Image

22 months of 0.0% interest on transfers

1.75% 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 18.9% (variable) annual.
A credit card designed for all your everyday spending plus benefit from a low balance transfer fee

Halifax All in One Credit Card

placeholder card image

19 months of 0.0% interest on transfers

1.00% fee

16 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.

Halifax All in One

Halifax Halifax All in One Image

19 months of 0.0% interest on transfers

1.00% 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.
Transfer your balance in the first 90 days and benefit from a low transfer fee of 1%, plus 0% on purchases for 16 months

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 an annual spend of £5,000, no foreign transaction fees plus collect Avios points as you spend

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 23.7% APR variable. Based on £24 annual fee, assumed borrowing of £1,200. Rate of interest 18.94% (variable) annual.
Collect double Choice points for the first 6 months on your American Express Card

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

  • 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