Credit Cards - 0% Purchases

Best Buys are updated weekly

We look across as much of the market as possible to find the best deals using industry data from Defaqto.

All our picks are nationally available - online, by post or by phone. We try and pick products that are available to both new and existing customers, but we’ll highlight some offers for existing customers if they’re much better than what else is on offer.

We select accounts which offer the longest 0% purchase period, while also taking into account the interest rate after this period. We prioritise cards that do not charge a monthly fee.

We reserve the right to use our discretion at all times.

92 results for this selection displayed over 10 pages.

Moneywise Best Buys

  • Sainsbury's Bank Nectar Purchase Credit Card

    Sainsbury's Bank
    28 months
    0% Purchase period
    18.9 %
    Representative APR
    • 0% purchase period: 28 months
    • No 0% money transfer offer
    • 0% Balance transfer period: 18 months
    • Cashback / Rewards
    • Annual fee: £ 0
    • Eligibility check before application:
    Long 0% purchase period
    Earn Nectar points as you spend
    Less useful for non-Sainsbury's shoppers
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.95% (variable) annual.
  • Halifax Purchase Credit Card

    Halifax
    30 months
    0% Purchase period
    18.9 %
    Representative APR
    • 0% purchase period: 30 months
    • No 0% money transfer offer
    • 0% Balance transfer period: 6 months
    • Cashback / Rewards
    • Annual fee: £ 0
    • Eligibility check before application:
    Long 0% purchase period
    Not associated with any reward schemes
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.95% (variable) annual.

Best Buys are carefully selected by Moneywise
considering a range of features not just interest rates.


  • All Round Credit Card

    MBNA Ltd
    30 months
    0% Purchase period
    19.9 %
    Representative APR
    • 0% purchase period: 30 months
    • 0% Money transfer period: 30 months
    • 0% Balance transfer period: 30 months
    • Cashback / Rewards
    • 0% Money transfer fee: 4 %
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 19.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 19.9% (variable) annual.
  • Santander All In One Credit Card

    Santander
    30 months
    0% Purchase period
    21.7 %
    Representative APR
    • 0% purchase period: 30 months
    • No 0% money transfer offer
    • 0% Balance transfer period: 30 months
    • Cashback / Rewards
    • Annual fee: £ 0
    • Eligibility check before application:
    Long fee-free balance transfer deal
    Long 0% purchase period
    £3 monthly fee
    Representative 21.7% APR variable. Based on assumed borrowing of £1200. Rate of interest 15.9% (variable) annual.
  • Avios Rewards Credit Card (Amex) - Branch

    Lloyds Bank
    29 months
    0% Purchase period
    23.7 %
    Representative APR
    • 0% purchase period: 29 months
    • No 0% money transfer offer
    • 0% Balance transfer period: 29 months
    • Cashback / Rewards
    • Annual fee: £ 24
    • Eligibility check before application:
    Representative 23.7% APR variable. Based on £24 annual fee, assumed borrowing of £1200. Rate of interest 18.94% (variable) annual.
  • Avios Rewards Credit Card (MCard) - Branch

    Lloyds Bank
    29 months
    0% Purchase period
    23.7 %
    Representative APR
    • 0% purchase period: 29 months
    • No 0% money transfer offer
    • 0% Balance transfer period: 29 months
    • Cashback / Rewards
    • Annual fee: £ 24
    • Eligibility check before application:
    Representative 23.7% APR variable. Based on £24 annual fee, assumed borrowing of £1200. Rate of interest 18.94% (variable) annual.
  • Platinum Card

    Post Office Money
    28 months
    0% Purchase period
    18.9 %
    Representative APR
    • 0% purchase period: 28 months
    • No 0% money transfer offer
    • 0% Balance transfer period: 18 months
    • Cashback / Rewards
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
  • All Round Credit Card (28m)

    Virgin Money
    28 months
    0% Purchase period
    18.9 %
    Representative APR
    • 0% purchase period: 28 months
    • 0% Money transfer period: 28 months
    • 0% Balance transfer period: 28 months
    • Cashback / Rewards
    • 0% Money transfer fee: 4 %
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
  • Purchase Credit Card (28m)

    Virgin Money
    28 months
    0% Purchase period
    19.9 %
    Representative APR
    • 0% purchase period: 28 months
    • 0% Money transfer period: 18 months
    • 0% Balance transfer period: 18 months
    • Cashback / Rewards
    • 0% Money transfer fee: 3 %
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 19.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 19.9% (variable) annual.
  • Tesco Bank Clubcard Credit Card

    Tesco Bank
    28 months
    0% Purchase period
    18.9 %
    Representative APR
    • 0% purchase period: 28 months
    • 0% Money transfer period: 3 months
    • 0% Balance transfer period: 3 months
    • Cashback / Rewards
    • 0% Money transfer fee: 3.94 %
    • Annual fee: £ 0
    • Eligibility check before application:
    Earn Tesco Clubcard points as you spend
    Long 0% purchase period
    Deal is less attractive if you don't shop at Tesco
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
  • Nectar Dual Offer Credit Card

    Sainsbury's Bank
    27 months
    0% Purchase period
    18.9 %
    Representative APR
    • 0% purchase period: 27 months
    • No 0% money transfer offer
    • 0% Balance transfer period: 27 months
    • Cashback / Rewards
    • 0% Balance transfer fee: 3 %
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.95% (variable) annual.
  • Platinum With Balance Transfer (27/27)

    Barclaycard
    27 months
    0% Purchase period
    19.9 %
    Representative APR
    • 0% purchase period: 27 months
    • No 0% money transfer offer
    • 0% Balance transfer period: 27 months
    • Cashback / Rewards
    • 0% Balance transfer fee: 3.5 %
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 19.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 19.9% (variable) annual.

Data provided by Defaqto