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 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.

122 results for this selection displayed over 13 pages.

Moneywise Best Buys

  • Sainsbury's Nectar Purchase Credit Card

    Sainsbury's Bank
    31 months
    0% Purchase period
    18.9 %
    Representative APR
    • 0% purchase period: 31 months
    • No 0% money transfer offer
    • 0% Balance transfer period: 3 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.
  • Dual Credit Card

    AA
    30 months
    0% Purchase period
    18.9 %
    Representative APR
    • 0% purchase period: 30 months
    • No 0% money transfer offer
    • 0% Balance transfer period: 16 months
    • Cashback / Rewards
    • Annual fee: £ 0
    • Eligibility check before application:
    Long 0% purchase period
    No annual fee
    Not associated with any reward schemes
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (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
    No annual fee
    Not associated with any reward schemes
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.95% (variable) annual.
  • Post Office Money Matched Card

    Post Office Money
    30 months
    0% Purchase period
    18.9 %
    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 0% purchase period
    Must apply online
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
  • Everyday Credit Card

    Santander
    30 months
    0% Purchase period
    18.9 %
    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 0% purchase period
    No annual fee
    Not associated with any reward schemes
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.

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


  • Tesco Bank Clubcard Credit Card

    Tesco Bank
    30 months
    0% Purchase period
    18.9 %
    Representative APR
    • 0% purchase period: 30 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.
  • Credit Card

    Tottenham Hotspur FC
    29 months
    0% Purchase period
    18.9 %
    Representative APR
    • 0% purchase period: 29 months
    • 0% Money transfer period: 29 months
    • 0% Balance transfer period: 29 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.
  • Credit Card

    West Ham United FC
    29 months
    0% Purchase period
    18.9 %
    Representative APR
    • 0% purchase period: 29 months
    • 0% Money transfer period: 29 months
    • 0% Balance transfer period: 29 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.
  • Credit Card

    Liverpool FC
    29 months
    0% Purchase period
    18.9 %
    Representative APR
    • 0% purchase period: 29 months
    • 0% Money transfer period: 29 months
    • 0% Balance transfer period: 29 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.
  • Avios Rewards Credit Card (MCard)

    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.
  • Choice Rewards Credit Card (Amex)

    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.
  • Choice Rewards Credit Card (Amex) Ex/C

    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: £ 12
    • Eligibility check before application:
    Representative 23.7% APR variable. Based on £12 annual fee, assumed borrowing of £1200. Rate of interest 18.94% (variable) annual.
  • Choice Rewards Credit Card (MCard)

    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.
  • Choice Rewards Credit Card (MCard) Ex/C

    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: £ 12
    • Eligibility check before application:
    Representative 23.7% APR variable. Based on £12 annual fee, assumed borrowing of £1200. Rate of interest 18.94% (variable) annual.
  • Platinum Balance Transfer Card (29/29 Mths)

    Lloyds Bank
    29 months
    0% Purchase period
    18.9 %
    Representative APR
    • 0% purchase period: 29 months
    • No 0% money transfer offer
    • 0% Balance transfer period: 29 months
    • Cashback / Rewards
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.94% (variable) annual.

Data provided by Defaqto