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  • We look at the best rates and rewards, as well as customer scores
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Saga Platinum Credit Card - Best for travel
  • 0% Foreign Currency Fees
  • 0% Interest on Purchases and Balance Transfers for the first 9 months
  • Representative 11.9% APR Variable

 

 

11.9% APR representative (variable) based on a credit limit of £1,200. Purchase rate 11.29% p.a. (variable)

Post Office Matched Credit Card

  • 27 monthsIntro Purchase Offer
  • 18.9%APR
Am I eligible?
Minimum Age:18
Minimum Income:£8,000
Credit Rating:Prime
Existing Customer:No
Additional account required:No
Representative Example
  • Longest 0% purchase card currently available - also offers 0% on balance transfers for 16 months
  • No cash fee when you buy travel money at the Post Office
  • Doesn't allow contactless payments

Yorkshire Bank Gold Credit Card

  • 26 monthsIntro Purchase Offer
  • 18.9%APR
Am I eligible?
Minimum Age:18
Minimum Income:-
Credit Rating:Prime
Existing Customer:No
Additional account required:No
Representative ExampleBased on a credit limit of £1200 charged at 18.9% variable p a for purchases. Representative 18.9% APR variable.
  • Free additional cards for family members
  • This card also offers 0% interest for 12 months on balance transfers
  • Foreign transaction fee is 2.95% for purchases and cash withdrawals made abroad

Sainsbury's Nectar Purchase Credit Card

  • 28 monthsIntro Purchase Offer
  • 18.9%APR
Am I eligible?
Minimum Age:18
Minimum Income:-
Credit Rating:Prime
Existing Customer:No
Additional account required:Yes
Representative ExampleBased on a credit limit of £1200 charged at 18.95% variable p a for purchases. Representative 18.9% APR variable.
  • 0% interest on purchases for 25 months
  • Card comes with 0% on balance transfers for 18 months
  • You can earn Nectar reward points on purchases made with this card
  • No contactless payments with this card

 

What is a 0% purchase credit card?

 

These credit cards charge no interest at all on purchases for a certain period. If you are planning on making a big purchase, then a 0% purchase credit card can be useful for spreading the cost.

 

How do we rank them?

 

Moneywise ranks purchase credit cards based on how long the 0% deal lasts. The Santander credit card has been ranked lower because of its £24 annual fee.

 

What else should I know about purchase credit cards?

 

  1. Try to pay off the debt before the 0% deal ends, that way you can avoid a high interest rate.
  2. If you can’t pay off your debt within the 0% term, then consider getting a credit card with a low APR. Use Moneywise.co.uk/compare service to browse all the cards with low APRs.

 

Moneywise Best Buys

 

It can be really difficult to choose the right product. However, we have conducted our own rigorous research and carefully selected the best deals out there. Unlike our competitors, we do not get paid to show you products from certain companies (only our featured product box is paid for by an advertiser). Instead, we have independently chosen the products we feel are the best in the market. Only if you decide to apply for a product using the “Go to site” button will Moneywise receive a small payment from the product provider, but this does not influence the way we rank products – our aim is quite simply to present you with the best products.