Credit Card (UK)

5 best 0% purchase credit cards

Are you looking for a credit card that offers you 0% interest periods on your purchases? You've come to the right place! Read on to learn which are the best 0% purchase cards!

Find out the best 0% purchase credit cards in the UK!

Save money with these 0% APR credit cards. Source: The Mister Finance.
Save money with these 0% APR credit cards. Source: The Mister Finance.

Are you searching for the best 0% purchase cards in the UK and don’t know where to turn? If so, then you’ve come to the right place!

Moreover, in this blog post, we’ll be discussing a range of options available in the UK that offer 0% interest periods on purchases.

Also, we’ll look at what factors are important to consider when selecting your ideal 0% purchase credit card.

In addition, we will provide an overview of each option’s features and benefits.

Also, with all this information, you can make an educated decision about which is the best fit for your financial goals – it won’t be long until you have found your perfect match!

Therefore, keep reading our post to learn more about 0% purchase cards and see which are the best ones!

American Express® Preferred Rewards Gold Credit Card

How to get an Amex® Preferred Rewards Gold?

Check out how to apply for the American Express® Preferred Rewards Gold Credit Card and earn rewards on all purchases plus travel benefits.

How do 0% purchase cards work?

For a limited time, purchases made using a 0% purchase card will not incur interest charges.

Nevertheless, when the promotional period of 0% APR expires, interest will be levied on the outstanding balance if you don’t pay the entire balance each month.

Moreover, this is in contrast to many other credit cards, which pile on interest at the end of each month.

Should you get a 0% purchase credit card?

Using these credit cards on your purchases will help you save money. Source: Canva.
Using these credit cards on your purchases will help you save money. Source: Canva.

If you need to make a significant purchase like a car, vacation, or home upgrade, a credit card with no interest on purchases might come in handy.

Also, the same holds true for unforeseen costs like getting a new furnace or mending a car that broke down.

Moreover, you can use the card without paying any interest if you pay off the balance in full at the end of the interest-free term.

In addition, the most crucial aspect of a 0% purchase card to keep in mind is that the interest-free period has a time limit, after which the standard interest rate will be applied to any remaining amount.

So, if you think that this can be a type of card that will help your finances, you should get one!

The best 0% purchase credit cards: 5 options!

Now that you’ve learned more about 0% purchase credit cards, you can read our list below with some of the best 0% purchase and balance transfer cards. So, read on!

Tesco Clubcard Plus Credit Card

With the Tesco Clubcard Plus Credit Card, you’ll be able to save a lot of money. Also, this card can help you with 0% interest on purchases for up to 24 months!

Moreover, you can earn points on almost all your purchases! Also, there are no foreign transaction fees to stay in the way of your travel!

Credit ScoreN/A.
APR*0% interest on purchases for up to 24 months from account opening;
Also, after that, you can get an annual effective rate ranging from 19.944% p.a. to 26.944% for purchases.
*Terms apply.
Annual FeeYou’ll need a Clubcard Plus subscription to get this card. And the monthly fee is £7.99.
*Terms apply.
Fees*No foreign transaction fees;
Also, cash withdrawal fee: 3.99% handling fee (minimum of £3.00)
*Terms apply.
Welcome bonusNo welcome bonus besides the intro interest for purchases.
Rewards*You’ll collect Tesco Clubcard points on almost all purchases with your card.
*Terms apply.

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Virgin Money Credit Card

This Virgin Money Credit Card can be the best option for those with poor credit looking for a credit card with an intro interest period!

Moreover, you’ll be able to apply for this card and get a chance to qualify even if you don’t have a good to excellent credit score!

Credit ScorePoor score.
APR*0% interest on purchases for up to 12 months.
Also, after that, there can be a representative APR of 29.90% variable.
*Terms apply.
Annual FeeNo annual fee.
FeesN/A.
Welcome bonusN/A.
RewardsN/A.

Sainsbury’s Nectar Credit Card

With the Sainsbury’s Nectar Credit Card, you’ll be able to get incredible benefits coming from the Nectar membership.

Also, there is no annual fee, and you can get many bonus points as a new cardholder!

Moreover, you’ll enjoy the 0% interest period to save money on purchases and balance transfers!

Credit ScoreGood.
APR*0% interest on balance transfers and purchases for up to 6 months, depending on your financial situation.
Moreover, after that, there is a representative APR of 22.95% p.a. variable for purchases.
Also, there can be a 22.95% or 29.95% p.a. variable for balance transfers.
*Terms apply.
Annual FeeNo annual fee.
Fees*Cash advance fee: 3% and a minimum of £3);
A balance transfer fee of 3% (minimum £3);
Also, the non-sterling transaction fee is 2.75%.
*Terms apply.
Welcome bonus*Collect 8,000 bonus points when you use your card to spend a total of £400 or more at Sainsbury’s, Argos, Habitat, or Tu Clothing during the 2 months after your account is opened.
*Terms apply.
Rewards*Earn Nectar points every time you spend with Sainsbury’s Bank Nectar Credit Card.
*Terms apply.

Barclaycard

Get a credit card with 0% APR! Source: Canva.
Get a credit card with 0% APR! Source: Canva.

With the Barclaycard, you’ll be able to get 0% interest on balance transfers for up to 30 months! Also, this can be one of the longest 0% interest periods on credit cards out there!

Moreover, you’ll be able to get many more perks and benefits for no annual fee!

Credit ScoreGood.
APR*0% interest on balance transfers for up to 30 months from the date you open your account, depending on your finances;
Also, after that, there can be a 23.9% representative APR for purchases and balance transfers.
*Terms apply.
Annual FeeNo annual fee.
Fees*Cash advances fee: 2.99% minimum £2.99 on sterling and non-sterling cash transactions only;
Also, the non-sterling purchase fee is 2.99% of the purchase (no minimum).
*Terms apply.
Welcome bonusN/A.
Rewards*Get up to five months of Apple TV+, Apple Music, Apple Fitness+, Apple News+, and Apple Arcade for free.
*Terms apply.

Natwest Purchase and Balance Transfer Credit Card

With the Natwest Purchase and Balance Transfer Credit Card, you’ll be able to save a lot of money on purchases and balance transfers! Also, this card offers many other perks with no annual fee!

Credit ScoreGood.
APR*0% interest on purchases and balance transfers for 23 months;
Also, representative 23.9% APR (variable).
*Terms apply.
Annual FeeNo annual fee.
Fees*2.99% balance transfer fee.
*Terms apply.
Welcome bonusN/A.
RewardsN/A.

Recommendation: 8 best credit cards to build credit!

If you’ve faced some financial drawbacks, you’ve probably got a lower credit score. this is a very unpleasant situation.

Rebuilding your credit score can be challenging, but it’s not impossible! There are many ways to do it and reach an excellent credit score again.

To help you on this journey, we’ve made a list of 8 of the best credit cards designed especially for people with low credit scores looking to write a new credit history with positive reports.

Click on the following link to be redirected to our list and find the financial tool that you need to take your finances back on track.

best cards to rebuild credit

8 best credit cards to rebuild credit

If you need to improve your credit score easily, you can read our list of the best cards to rebuild credit easily!

About the author  /  Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by  /  Aline Barbosa

Senior Editor

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