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Compare Our Top-Rated 0% New Purchase Credit Cards

Updated: 17th June 2021

We’ve reviewed the most popular credit cards on the market to bring you our shortlist of our top-rated credit cards for 0% APR on new purchases. These cards can be great for those looking to make a big purchase (or several rather-large purchases) or those hoping to pay down higher-interest debt without racking up new interest charges. On this page you’ll find our top 0% new purchase credit cards as well as more information about how to pick a 0% purchase card that’s right for you.

When considering an 0% purchases card, the length of the 0% period is naturally a key consideration. But other factors, like the standard APR, any balance transfer offers, and rewards offers should be taken into account as well.

Hero Tips: Must knows when using 0% new purchase credit cards

  1. A 0% purchase card is only for new purchases

    There are multiple types of 0% purchase cards, so make sure you're choosing the one that's right for you. A 0% spending card gives you a certain period of 0% interest for new purchases.

  2. Be sure to pay your balance before the 0% introductory period ends

    Once the introductory 0% period runs out on your 0% new purchases card, you'll pay the standard interest rate on your balance. Since credit card interest rates are typically very high, this is something you want to avoid. So be sure to note when the 0% period ends, and pay your balance to zero before that date.

  3. Balances on 0% cards is still debt

    Getting a card with a 0% interest period can save you money versus paying interest for a loan. But make no mistake, this is still credit card debt and must be repaid. This means spending within your means is still very important.

Check Your Eligibility

Discover a list of credit cards you may be eligible for. Only takes a few minutes and will not affect your credit score.

Our top-rated 0% new purchase credit cards

Credit card offers from our affiliate partners appear first and are ordered from highest rating to lowest, followed by other top-rated offers. You can read more about our ratings and page sort here. Offers from affiliate partners are marked with a *.

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Great for: Long 0% purchase and balance transfer, plus points
4.5 stars question mark
M&S Bank credit card
Apply Now!

On M&S Bank's Secure Website

    Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

The M&S Shopping Plus credit card ticks a lot of the boxes to make a great credit card. For starters, there’s a long 20-month 0% period on new purchases. But you can add to that a 18-month, 0% period for balance transfers made in the first 90 days and the M&S points programme. It is worth noting that there’s a 2.9% fee on balance transfers.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest on purchases for the first 20 months
  • 0% interest for 18 months on balance transfers made in the first 90 days
  • 2.9% balance transfer fee
  • Earn M&S points for shopping at M&S and elsewhere

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Assumed credit limit £1,200

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 0% interest on purchases for the first 20 months
  • 0% interest for 18 months on balance transfers made in the first 90 days (2.9% fee applies)
  • Earn M&S points for shopping at M&S and elsewhere
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    21.9%
  • INTRO OFFER:

    0% interest on purchases for 20 months
    0% interest on balance transfers for 18 months

KEY SCORES:

  • 4/5 Perks
  • 5/5Fees
  • 4/5APR

HIGHLIGHTS

  • 0% interest on purchases for the first 20 months
  • 0% interest for 18 months on balance transfers made in the first 90 days
  • 2.9% balance transfer fee
  • Earn M&S points for shopping at M&S and elsewhere

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Assumed credit limit £1,200

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: 0% offers, cashback and travel benefits in one card
4.5 stars question mark
Santander All in One credit card in black
Read full review     Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

A highly multi-functional card that should serve a wide variety of users. The All in One card offers 26-month 0% periods on balance transfers and 20 months 0% on purchases. During the promotional period, there’s no balance transfer fee – a very nice benefit.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest for 26 months from account opening on balance transfers
  • No balance transfer fee
  • 0% interest for 20 months from account opening on purchases
  • 0.5% cashback on all purchases
  • No foreign transaction fee (if you pay in local currency)
  • Special cashback offers of up to 15% with Retailer Offers (you must sign up for this)
  • ** The fee for this card is £3 per month, charged monthly (£36 in total annually)
  • Note: You can apply for a credit card if you’re a permanent UK resident aged 18 years or over, have a guaranteed annual income of £7,500 or more (before tax), have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years.

REPRESENTATIVE EXAMPLE

17.9% p.a. (variable) on card purchases. This is equivalent to 23.7% APR representative (variable) based on an assumed credit limit of £1,200. Monthly fee: £3.

 

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 0% interest for 26 months from account opening on balance transfers
  • 0% interest for 20 months from account opening on purchases
  • 0.5% cashback on all purchases
  • No balance transfer fee
  • ANNUAL FEE:

    £36**
  • REPRESENTATIVE APR:

    23.7%
  • INTRO OFFER:

    0% interest for 26 months from account opening on balance transfers

    0% interest for 20 months from account opening on purchases

KEY SCORES:

  • 5/5 Perks
  • 5/5Fees
  • 2/5APR

HIGHLIGHTS

  • 0% interest for 26 months from account opening on balance transfers
  • No balance transfer fee
  • 0% interest for 20 months from account opening on purchases
  • 0.5% cashback on all purchases
  • No foreign transaction fee (if you pay in local currency)
  • Special cashback offers of up to 15% with Retailer Offers (you must sign up for this)
  • ** The fee for this card is £3 per month, charged monthly (£36 in total annually)
  • Note: You can apply for a credit card if you’re a permanent UK resident aged 18 years or over, have a guaranteed annual income of £7,500 or more (before tax), have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years.

REPRESENTATIVE EXAMPLE

17.9% p.a. (variable) on card purchases. This is equivalent to 23.7% APR representative (variable) based on an assumed credit limit of £1,200. Monthly fee: £3.

 

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: controlling and monitoring spending and repayments
4 stars question mark
Tymit Credit Card - Visa Credit
Read full review     Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

The main feature of this card is that it lets you spread the cost of your purchases over 3, 6, 12, 24 and 36 months. You only pay interest on the purchases you put into instalments, not on your entire balance. The 3-month plan attracts no interest while the others have an APR ranging from 12%-22.7%.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • Credit limit of £500-£15,000
  • APRs of 12%-22.7% for purchases repaid over 6 to 36 monthly instalments
  • You can manage your instalment plan through the app, and see interest charges or costs in advance
  • Interest is on instalments only and not on entire balance
  • Free spending abroad (no foreign transaction fee)
  • No cash withdrawal fees, up to £200 per month
  • No charges for going over your limit and no penalty for first late payment
  • *The card’s representative APR for purchases repaid over 6 to 36 monthly instalments is 19.8%

REPRESENTATIVE EXAMPLE

Representative rate 19.8% APR (variable)
Purchase rate 0% p.a. (variable)
Assumed credit limit £1,200

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • Ability to spread purchases over up to 36 months
  • 0% interest on purchases paid in less than 3 months
  • No annual and foreign transaction fees
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    19.8%*
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 3.5/5 Perks
  • 5/5Fees
  • 4/5APR

HIGHLIGHTS

  • Credit limit of £500-£15,000
  • APRs of 12%-22.7% for purchases repaid over 6 to 36 monthly instalments
  • You can manage your instalment plan through the app, and see interest charges or costs in advance
  • Interest is on instalments only and not on entire balance
  • Free spending abroad (no foreign transaction fee)
  • No cash withdrawal fees, up to £200 per month
  • No charges for going over your limit and no penalty for first late payment
  • *The card’s representative APR for purchases repaid over 6 to 36 monthly instalments is 19.8%

REPRESENTATIVE EXAMPLE

Representative rate 19.8% APR (variable)
Purchase rate 0% p.a. (variable)
Assumed credit limit £1,200

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: 0% interest on purchases and balance transfers
3.5 stars question mark
HSBC credit card
Apply Now!

On HSBC's Secure Website

    Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

HSBC’s Purchase Plus Credit Card could be a good match for those looking for a solid combination of 0% purchase and balance-transfer offer. Since 18 months isn’t the longest 0% period on the market, the key here is the combination of both 0% purchases and balance transfer. Do note that there is a 2.9% fee on balance transfers.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest on purchases made over the first 18 months
  • 0% interest for 18 months on balance transfers made in first 60 days
  • 2.9% balance-transfer fee applies
  • No annual fee

REPRESENTATIVE EXAMPLE

Representative rate 22.9% APR (variable)
Purchase rate 22.9% p.a. (variable)
Based on an assumed credit limit of £1,200

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 0% interest on purchases made over the first 18 months
  • 0% interest for 18 months on balance transfers made in the first 60 days (but a 2.9% fee applies)
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    22.9%
  • INTRO OFFER:

    0% on purchases for 18 months

    0% for 18 months on balances transferred in first 60 days

KEY SCORES:

  • 2/5 Perks
  • 4.5/5Fees
  • 3.5/5APR

HIGHLIGHTS

  • 0% interest on purchases made over the first 18 months
  • 0% interest for 18 months on balance transfers made in first 60 days
  • 2.9% balance-transfer fee applies
  • No annual fee

REPRESENTATIVE EXAMPLE

Representative rate 22.9% APR (variable)
Purchase rate 22.9% p.a. (variable)
Based on an assumed credit limit of £1,200

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: 0% interest for Nationwide customers
4.5 stars question mark

If you are looking for a credit card that offers a wide range of features, the Nationwide Select Credit Card is likely to be appealing. It has a 12-month introductory 0% interest rate on purchases and balance transfers, as well as no balance transfer fee. Although there are longer 0% interest rate periods available elsewhere, the card’s lack of foreign exchange fees could help it stand out from its rivals. Note though that it is only available to existing customers of Nationwide who have their main current account with the provider.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest for 12 months on purchases
  • 0% interest for 12 months on balance transfers
  • No balance transfer fee
  • No annual fee
  • No foreign transaction fees
  • Note: This card is only available to Nationwide current account customers (see issuer for full details)

REPRESENTATIVE EXAMPLE

Representative rate 15.9% APR (variable)
Purchase rate 15.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • 0% interest for 12 months on purchases
  • 0% interest for 12 months on balance transfers
  • No balance transfer fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    15.9%
  • INTRO OFFER:

    0% interest for 12 months on purchases
    0% interest for 12 months on balance transfers

KEY SCORES:

  • 3/5 Perks
  • 3/5Fees
  • 5/5APR

HIGHLIGHTS

  • 0% interest for 12 months on purchases
  • 0% interest for 12 months on balance transfers
  • No balance transfer fee
  • No annual fee
  • No foreign transaction fees
  • Note: This card is only available to Nationwide current account customers (see issuer for full details)

REPRESENTATIVE EXAMPLE

Representative rate 15.9% APR (variable)
Purchase rate 15.9% p.a. (variable)
Based on borrowing £1,200
Great for: Long 0% interest on purchases and rewards
4.5 stars question mark

The Sainsbury’s Purchase Credit Card is a solid option for those looking for a long introductory 0% period for purchases. The card does have a balance transfer offer as well, giving users 0% interest on balances transferred from other cards. However this is only three months and carries a 3% fee.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest on purchases made over the first 20 months
  • 0% interest on balance transfers for the first 3 months (but a 3% fee applies)
  • Up to 7,500 bonus Nectar points over first 2 months

REPRESENTATIVE EXAMPLE

Purchase rate is 20.95% p.a. variable
With a representative 20.9% APR variable
Assumed credit limit £1,200

what we like

  • 0% interest on purchases made over the first 20 months
  • 0% interest on balance transfers for the first 3 months (but a 3% fee applies)
  • Up to 7,500 bonus Nectar points over first 2 months
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    20.9%
  • INTRO OFFER:

    20 months 0% interest on purchases
    Up to 7,500 bonus Nectar points over first 2 months

KEY SCORES:

  • 4/5 Perks
  • 3/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0% interest on purchases made over the first 20 months
  • 0% interest on balance transfers for the first 3 months (but a 3% fee applies)
  • Up to 7,500 bonus Nectar points over first 2 months

REPRESENTATIVE EXAMPLE

Purchase rate is 20.95% p.a. variable
With a representative 20.9% APR variable
Assumed credit limit £1,200
Great for: 0% on purchases and balance transfers, no balance-transfer fee
4.5 stars question mark

The Tesco Bank 12 Month All Round Credit Card succeeds by being just what the name says: a good all-round option. You can find longer 0% interest periods elsewhere, but 12 months of 0% on purchases, balance transfers, and money transfers is a nice combination. No balance transfer fee adds to the appeal, as does the ability to earn Clubcard points.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest for 12 months on purchases
  • 0% interest for 12 months on balance transfers and money transfers made in the first 90 days
  • No annual fee
  • No balance transfer fee (3.94% money transfer fee)
  • 1 Tesco Clubcard point for every £1 spent at Tesco and for every £8 spent elsewhere

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • 0% interest for 12 months on purchases
  • 0% interest for 12 months on balance transfers and money transfers made in the first 90 days
  • No annual fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    19.9%
  • INTRO OFFER:

    0% interest for 12 months on purchases, balance transfers and money transfers

KEY SCORES:

  • 4/5 Perks
  • 3/5Fees
  • 4/5APR

HIGHLIGHTS

  • 0% interest for 12 months on purchases
  • 0% interest for 12 months on balance transfers and money transfers made in the first 90 days
  • No annual fee
  • No balance transfer fee (3.94% money transfer fee)
  • 1 Tesco Clubcard point for every £1 spent at Tesco and for every £8 spent elsewhere

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.9% p.a. (variable)
Based on borrowing £1,200
Great for: Long 0% interest on purchases and balance transfers
4 stars question mark

Barclaycard Platinum 18-Month Balance Transfer/20-Month 0% Interest Purchase Card combines two solid offers. Cardholders get 20 months of 0% interest on purchases, plus 18 months of 0% interest on balance transfers. There is a 2.9% fee on balance transfers, so those looking to keep costs down may want to look for a card that offers fee-free transfers.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest on purchases made over the first 18 months
  • 0% interest on balance transfers for 20 months (but a 2.9% fee applies)
  • Savings on live events with Barclaycard Entertainment

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • 0% interest on purchases made over the first 18 months
  • 0% interest on balance transfers for 20 months (but a 2.9% fee applies)
  • Savings on live events with Barclaycard Entertainment
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    21.9%
  • INTRO OFFER:

    0% interest for 20 months on new purchases
    0% interest for 18 months on balance transfers made in the first 60 days

KEY SCORES:

  • 3/5 Perks
  • 3/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0% interest on purchases made over the first 18 months
  • 0% interest on balance transfers for 20 months (but a 2.9% fee applies)
  • Savings on live events with Barclaycard Entertainment

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Based on borrowing £1,200
Great for: Long balance transfer period with low fee
3.5 stars question mark

You can find longer balance-transfer periods than the 22 months offered here. But long BT periods almost always come with fees, and they can be far higher than the 1.99% on this card. Add to that 12 months of 0% interest on purchases.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest for 22 months on balance transfers made in first 90 days
  • 0% interest on purchases for 12 months
  • 1.99% balance transfer fee

REPRESENTATIVE EXAMPLE

A variable annual purchase rate of 19.94%
A variable representative 19.9% APR
Based on borrowing (over 12 months) £1,200
With an annual fee of £0

what we like

  • 0% interest for 22 months on balance transfers made in first 90 days
  • 0% interest on purchases for 12 months
  • 1.99% balance transfer fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    19.9%
  • INTRO OFFER:

    22 months 0% interest on balance transfers
    12 months 0% interest on purchases

KEY SCORES:

  • 2/5 Perks
  • 4/5Fees
  • 4/5APR

HIGHLIGHTS

  • 0% interest for 22 months on balance transfers made in first 90 days
  • 0% interest on purchases for 12 months
  • 1.99% balance transfer fee

REPRESENTATIVE EXAMPLE

A variable annual purchase rate of 19.94%
A variable representative 19.9% APR
Based on borrowing (over 12 months) £1,200
With an annual fee of £0
Great for: Long 0% interest on purchases and rewards
3.5 stars question mark

The Sainsbury’s Dual Offer Credit Card aims to give you the best of both worlds. Cardholders get a 20-month period with 0% interest on both purchases and balance transfers. Balance transfers are subject to a 3% fee, so those looking primarily for a balance-transfer offer may prefer to find a card without that fee. As with other Sainsbury’s cards, cardholders collect Nectar points on spending at Sainsbury’s and elsewhere. Over the first two months, shopping at Sainsbury’s could net users up to 7,500 bonus points, which is worth £37.50.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest on purchases made over the first 20 months
  • 0% interest on balance transfers for 20 months (but a 3% fee applies)
  • Up to 7,500 bonus Nectar points over the first 2 months

REPRESENTATIVE EXAMPLE

Purchase rate is 21.95%
p.a. variable
With a representative 21.9% APR
variable
Assumed Credit limit: £1,200

 

what we like

  • 0% interest on purchases made over the first 20 months
  • 0% interest on balance transfers for 20 months (but a 3% fee applies)
  • Up to 7,500 bonus Nectar points over the first 2 months
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    21.9%
  • INTRO OFFER:

    0% on purchases for 20 months
    0% on balance transfers for 20 months

KEY SCORES:

  • 3.5/5 Perks
  • 2.5/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0% interest on purchases made over the first 20 months
  • 0% interest on balance transfers for 20 months (but a 3% fee applies)
  • Up to 7,500 bonus Nectar points over the first 2 months

REPRESENTATIVE EXAMPLE

Purchase rate is 21.95%
p.a. variable
With a representative 21.9% APR
variable
Assumed Credit limit: £1,200

 


Frequently Asked Questions

What should I look for in a 0% purchase credit card?

If making a large transaction (or more) that will need several months to pay off then a 0% new purchase credit card is well positioned for this purpose, since it will have a period of zero interest for new spending.

How do 0% purchase credit cards work?

These cards offer a promotional period of 0% interest on new purchases. While you have to continue at least making the minimum payment on these credit cards, you won’t be charged interest during the 0% promotional period.

Is there a minimum payment on a 0% for purchases credit card?

Yes, and it’s important that you not only take note of the minimum payment, but make sure to pay at least the minimum payment every month. Failure to pay the minimum payment could lead to losing the 0% promotional offer.

Can I transfer a loan to a 0% new purchases credit card?

No. If you are paying high interest on an outstanding credit card balance on another card, you can use a balance transfer credit card to help with that. For a loan though, a money transfer credit card may be a good choice. A credit card with a 0% APR period for purchases is only good for avoiding interest on new purchases.

Do I need 0% on balance transfers as well?

This depends on what you are looking to use a card for. If you plan to use the card solely for making a large purchase and then paying it off, having a 0% introductory APR on purchases would suffice. If you already have an existing balance on another card, it could be worth getting a card that also includes 0% on balance transfers, so that you can consolidate your debt. Just make sure to check for any balance transfer fees and the length of the interest-free period for balance transfers.

Can I get 0% APR on my existing credit card?

Each credit card is designed to appeal in a particular way. If one needs a credit card for a different purpose than the initial reason, then it follows that a brand-new card better meeting one’s current requirements would likely be more suitable than keeping the original.

How do I extend my 0% APR on a credit card?

While it’s not often possible, you can try to request an extension by speaking directly to the card provider. What the company might do instead is offer you a lower interest rate rate for a period than the one due to kick in after your introductory 0% APR rate ends, but that’s at the provider’s discretion.

Learn more

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The Motley Fool receives compensation from some advertisers who provide products and services that may be covered by our editorial team. It’s one way we make money. But know that our editorial integrity and transparency matters most and our ratings aren’t influenced by compensation. The statements above are The Motley Fool’s alone and have not been provided or endorsed by bank advertisers. The Motley Fool has recommended shares in Lloyds, Tesco and Barclays.