We've found the best Credit Cards

  • We’ve reviewed the whole market so you don’t have to
  • Our impartial service shows you the best products in the market, even if we don’t earn commission
  • We look at the best rates and rewards, as well as customer scores
  • Looking for something different? You can browse the whole market here
  • If you think you’ve found a better card, get in touch
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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)

Sainsbury's Nectar Purchase Credit Card

  • 29 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 ExampleRepresentative 18.9% APR variable.
  • Long 0% purchase period
  • Earn Nectar points as you spend
  • Less useful for non-Sainsbury's shoppers

MBNA All Round Credit Card

  • 29 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 ExampleRepresentative 18.9% APR variable.
  • 0% on balance transfers for up to 29 months
  • Long 0% purchase period
  • 0% on money transfers for up to 29 months
  • 5% charge on cash withdrawals
  • Balance and money transfers must be made within 60 days of account opening

AA Dual Credit Card

  • 28 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 ExampleRepresentative 18.9% APR variable.
  • 0% on spending for 28 months
  • No annual fee
  • £35 cashback when you spend £500 or more within 60 days of account opening
  • No rewards for spending on fuel

Tesco Bank Clubcard

  • 28 monthsIntro Purchase Offer
  • 18.9%APR
Am I eligible?
Minimum Age:18
Minimum Income:£5,000
Credit Rating:Prime
Existing Customer:No
Additional account required:No
Representative ExampleRepresentative 18.9% APR variable.
  • Earn Tesco Clubcard points as you spend
  • Long 0% purchase period
  • Deal is less attractive if you don't shop at Tesco

 

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. 

 

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.