Compare credit cards

From 0% deals to low standard APR, we cover the whole market

Looking for a 0% new purchase credit card? This table shows you The Motley Fool's best deals on 0% new purchase credit cards. Search, compare and apply online.

Some credit card providers offer 0% interest rate on all purchases made with their credit card. The 0% interest period varies depending on the credit card issuer, but in some instances it is possible to get up to 12 months’ interest-free credit on all purchases.

0% interest on purchases means that you can leave your money sitting in your bank earning you interest for a while rather than handing it over as soon as you make a purchase.

Credit cards offering 0% interest on purchases also give you the option of spreading your payments, and are therefore a cheap alternative to expensive high street credit.

Compare our top credit cards by category

 
 
Credit card
company
Balance transfersrate and period?New purchasesrate and period? Representative
APR
?
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Barclaycard 15/15 Platinum Visa

Barclaycard 15/15 Platinum Visa
0% for 15 months (2.9% fee)0% for 15 months Representative 18.9% APR (variable)

With Barclaycard Freedom, automatically earn Reward Money at selected retailers (not points or vouchers) and redeem it on a future purchase at selected retailers within the programme. At most Earn Retailers, earn Reward Money at 1% of the purchase price of Eligible Purchases made using the card. Terms and conditions apply.

Representative example: assumed borrowing of £1,200, representative 18.90% APR (variable). Purchase rate 18.90% PA (variable).

Halifax All in One MasterCard

Halifax All in One MasterCard
0% for 15 months (3% fee)0% for 15 months Representative 17.9% APR (variable)

The All in One card also offers the following Halifax extras: No annual fee, cover against online fraud, manage your card online and around the clock service.

Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 17.95% PA (variable). Halifax, The Mound, Edinburgh EH1 1YZ

Virgin Money 13/13 MasterCard

Virgin Money 13/13 MasterCard
0% for 13 months (2.89% fee)0% for 13 months Representative 18.9% APR (variable)N/A
Representative example: assumed borrowing of £1,200, representative 18.90% APR (variable). Purchase rate 18.90% PA (variable).

Sainsbury's Shopper Credit Card

Sainsbury's Shopper Credit Card
0% for 12 months (3% fee)0% for 12 months Representative 16.9% APR (variable)

With a Sainsbury's Credit Card, Sainsbury's shoppers with a Nectar card can enjoy 0% for 12 months on all shopping and balance transfers (3% BT fee applies) 15.9% APR typical variable. Subject to Nectar card verification in store.

Representative example: assumed borrowing of £1,200, representative 16.9% APR (variable). Purchase rate 16.94% PA (variable).

Nationwide BS Select Credit Card

Nationwide BS Select Credit Card
0% for 20 months (3.1% fee)0% for 12 months Representative 12.9% APR (variable)Cashback - Rewards scheme providing savings on major brands including Holiday Inn, Wickes, Butlins, Urban Outfitters, Gourmet Society, Kwik Fit, aka Promotions (West End Theatre) and Virgin Holidays - these offers are reviewed on a regular basis.
Representative example: assumed borrowing of £1,200, representative 12.90% APR (variable). Purchase rate 12.90% PA (variable).

Creation Purchase MasterCard

Creation Purchase MasterCard
0% for 9 months (3% fee)0% for 13 months Representative 17.9% APR (variable)N/A
Representative example: assumed borrowing of £1,200, representative 17.90% APR (variable). Purchase rate 17.90% PA (variable).

Bank of Scotland All in One MasterCard

Bank of Scotland All in One MasterCard
0% for 12 months (3% fee)0% for 12 months Representative 17.9% APR (variable)

The All in One card also offers the following Bank of Scotland extras: No annual fee, cover against online fraud, manage your card online and around the clock service.

Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 17.95% PA (variable). Bank of Scotland, PO Box 23581, Edinburgh EH1 1WH.

AA Visa Credit Card

AA Visa Credit Card
0% for 12 months (3% fee)0% for 10 months Representative 16.9% APR (variable)

Points apply to eligible card purchases. Reward of 1 point for every full £2 spent, with 1 point for every £1 spent on Fuel, Motoring or AA product purchases.

Representative example: assumed borrowing of £1,200, representative 16.90% APR (variable). Purchase rate 16.90% PA (variable).

NatWest Platinum MasterCard

NatWest Platinum MasterCard
0% for 22 months (3.2% fee)0% for 6 months Representative 17.9% APR (variable)

Stop paying interest on your balances for the next 16 months – and save on everyday spending too. Balance transfers are limited to 95% of your available credit limit so, if your new Platinum Credit Card has a limit of £2000, you could switch up to £1900.

Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 17.95% PA (variable).

Royal Bank of Scotland Platinum MasterCard

Royal Bank of Scotland Platinum MasterCard
0% for 22 months (3.2% fee)0% for 6 months Representative 17.9% APR (variable)

Stop paying interest on your balances for the next 16 months – and save on everyday spending too. Balance transfers are limited to 95% of your available credit limit so, if your new Platinum Credit Card has a limit of £2000, you could switch up to £1900.

Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 17.95% PA (variable).

Sainsbury's Nectar Credit Card

Sainsbury's Nectar Credit Card
0% for 15 months (3% fee)0% for 6 months Representative 16.9% APR (variable)Points - Earn 2 points per £1 spent in Sainsbury's store. Earn 1 point per £5 spent when making any other purchase.
Representative example: assumed borrowing of £1,200, representative 16.9% APR (variable). Purchase rate 16.94% PA (variable).

Nationwide Purchase Visa

Nationwide Purchase Visa
No introductory rate0% for 6 months Representative 15.9% APR (variable)Rewards - Customers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission. Rewards scheme providing savings on major brands including Holiday Inn, Wickes, Butlins, Urban Outfitters, Gourmet Society, Kwik Fit, aka Promotions (West End Theatre) and Virgin Holidays - these offers are reviewed on a regular basis.
Representative example: assumed borrowing of £1,200, representative 15.90% APR (variable). Purchase rate 15.90% PA (variable).

American Express Platinum Cashback Card

American Express Platinum Cashback Card
No introductory rateNo introductory rate Representative 18.5% APR (variable)

5% cashback in first 3 months up to £100. 1.25% thereafter plus engagement bonus 2.5% cashback in the anniversary month when spend p.a. reaches £10K.

Representative Example: Representative 18.5% APR variable. Based on £25 annual fee, assumed borrowing of £1,200, rate of interest 14.0% per annum (variable).

Lloyds TSB Advance MasterCard

Lloyds TSB Advance MasterCard
4.9% for 12 months (3% fee)0% for 6 months Representative 11.9% APR (variable)

The Advance Credit Card gives you an introductory purchase offer of 0% interest on your purchases for the first six months and has a very competitive typical 11.9% APR variable.

Representative example: assumed borrowing of £1,200, representative 11.9% APR (variable). Purchase rate 11.95% PA (variable). Lloyds TSB Bank Plc, 25 Gresham Street, London, EC2V 7HN

Foolish Selection

American Express Platinum CashbackAmerican Express Platinum Cashback
5% cashback in the first 3 months up to £100. 1.25% after that, with no limit on how much you can earn.Representative 18.5% APR variable. Based on annual fee of £25 and assumed credit limit of £1,200. Interest rate for purchases: 14.0% p.a. variable.
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