Do I pay interest during a 0% purchase period?

Not on qualifying purchases during the promotional period if you keep to the terms. Interest can apply after the period ends, or sooner if terms are breached.

What does representative APR mean on a 0% purchase card?

Representative APR is the rate that at least 51% of successful applicants are expected to receive after promotional terms end (or where no promotional rate applies). Your own rate and credit limit depend on the provider’s assessment and may differ.

Are 0% purchase cards always cheaper than a personal loan?

Not necessarily. A 0% purchase card can cost less if you repay in full before the offer ends and avoid fees. A loan can suit larger planned costs with fixed repayments. Compare total cost, limits and eligibility for your situation.

Credit Cards

0% Purchase Credit Cards

Q: What happens when the 0% period ends?

Any remaining balance typically starts attracting interest at the card’s standard purchase rate unless it is repaid in full or moved under another qualifying offer. Check the promotional end date in the product terms.

Q: Will an eligibility check affect my credit score?

Soft eligibility checks generally will not affect your credit score. A full application may involve a hard credit search. Several hard searches in a short period can weigh on your credit file.

Spread the cost of purchases without paying interest for an introductory period. Compare cards, introductory periods, fees and representative APRs.

How 0% purchase cards work

A 0% purchase credit card lets you spend without paying interest for a set introductory period, provided you meet the card’s terms. When the promotional period ends, the standard purchase rate normally applies.

0% period

How long qualifying purchases remain interest-free.

Representative APR

The rate that may apply after the promotional offer ends.

Eligibility

Whether you are likely to qualify — subject to status.

0% purchase credit card deals

Compare 15 matching cards

Sort by

We compare participating providers and do not cover the whole market. WiT Money may receive a commission or referral fee from some providers if you proceed through a link. See how we make money

WiT Money order follows the product database order — not affiliate commission. Rates and offers can change; verify final terms with the provider before applying. How we compare credit cards →

Tesco Bank

Tesco Bank All Round Credit Card

0% Purchases

Balance Transfer

Rewards

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 14 months

Balance transfers

0% for 14 months

May suit

0% purchase spending
Balance transfers
Rewards

14 months at 0% on purchases
14 months at 0% on balance transfers
14 months at 0% on money transfers
Collect Clubcard points

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Tesco Bank

Tesco Bank All Round Credit Card

0% Purchases

Balance Transfer

Rewards

14 months

0% Purchases

24.9%

Representative APR

£0

Annual Fee

14 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers
Rewards

Rewards / Cashback:: Clubcard points
Eligibility check:: Soft eligibility check available

14 months at 0% on purchases
14 months at 0% on balance transfers
14 months at 0% on money transfers
Collect Clubcard points

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Barclaycard

Barclaycard Purchase Credit Card

0% Purchases

Balance Transfer

Rewards

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 24 months

Balance transfers

0% for 21 months

May suit

0% purchase spending
Balance transfers
Rewards

24 months promotional purchase offer
21 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Barclaycard

Barclaycard Purchase Credit Card

0% Purchases

Balance Transfer

Rewards

24 months

0% Purchases

24.9%

Representative APR

£0

Annual Fee

21 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers
Rewards

Rewards / Cashback:: Cashback available
Eligibility check:: Soft eligibility check available

24 months promotional purchase offer
21 months promotional balance-transfer offer

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Barclaycard

Barclaycard Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

0% for 36 months

May suit

0% purchase spending
Balance transfers

3 months promotional purchase offer
36 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Barclaycard

Barclaycard Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

3 months

0% Purchases

24.9%

Representative APR

£0

Annual Fee

36 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

3 months promotional purchase offer
36 months promotional balance-transfer offer

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

HSBC UK

HSBC Purchase Plus Credit Card

0% Purchases

Balance Transfer

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 24 months

Balance transfers

0% for 17 months

May suit

0% purchase spending
Balance transfers

24 months promotional purchase offer
17 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

HSBC UK

HSBC Purchase Plus Credit Card

0% Purchases

Balance Transfer

No Annual Fee

24 months

0% Purchases

24.9%

Representative APR

£0

Annual Fee

17 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

24 months promotional purchase offer
17 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Nationwide Building Society

Nationwide Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

0% for 30 months

May suit

0% purchase spending
Balance transfers

3 months promotional purchase offer
30 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Nationwide Building Society

Nationwide Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

3 months

0% Purchases

24.9%

Representative APR

£0

Annual Fee

30 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available
Overseas spending:: Fee-free overseas spending

3 months promotional purchase offer
30 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Virgin Money

Virgin Money All Round Credit Card

0% Purchases

Balance Transfer

Rewards

27.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 20 months

Balance transfers

0% for 20 months

May suit

0% purchase spending
Balance transfers
Rewards

Up to 20 months at 0% on purchases
Up to 20 months at 0% on balance transfers
2.95% balance-transfer fee
Virgin Money Cashback offers

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Virgin Money

Virgin Money All Round Credit Card

0% Purchases

Balance Transfer

Rewards

20 months

0% Purchases

27.9%

Representative APR

£0

Annual Fee

20 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers
Rewards

Rewards / Cashback:: Virgin Money Cashback
Eligibility check:: Soft eligibility check available

Up to 20 months at 0% on purchases
Up to 20 months at 0% on balance transfers
2.95% balance-transfer fee
Virgin Money Cashback offers

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Virgin Money

Virgin Money Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

27.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

0% for 36 months

May suit

0% purchase spending
Balance transfers

Up to 36 months at 0% on balance transfers
3 months at 0% on purchases
Transfer up to 95% of credit limit
Eligibility checker uses a soft search

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Virgin Money

Virgin Money Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

3 months

0% Purchases

27.9%

Representative APR

£0

Annual Fee

36 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

Up to 36 months at 0% on balance transfers
3 months at 0% on purchases
Transfer up to 95% of credit limit
Eligibility checker uses a soft search

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Santander UK

Santander All in One Credit Card

0% Purchases

Balance Transfer

Rewards

29.8%

RepresentativeAPR

Not publicly stated / not verified

Annual fee

Introductory offers

Purchases

0% for 15 months

Balance transfers

0% for 15 months

May suit

0% purchase spending
Balance transfers
Rewards

15 months promotional purchase offer
15 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Santander UK

Santander All in One Credit Card

0% Purchases

Balance Transfer

Rewards

15 months

0% Purchases

29.8%

Representative APR

Not publicly stated / not verified

Annual Fee

15 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers
Rewards

Rewards / Cashback:: 0.5% cashback, capped at £10/month
Eligibility check:: Soft eligibility check available
Overseas spending:: Fee-free overseas spending

15 months promotional purchase offer
15 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Barclaycard

Barclaycard Forward Credit Card

Credit Builder

0% Purchases

Balance Transfer

Building credit

33.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 6 months

Balance transfers

0% for 6 months

May suit

Building or rebuilding credit
0% purchase spending
Balance transfers

6 months promotional purchase offer
6 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Barclaycard

Barclaycard Forward Credit Card

Credit Builder

0% Purchases

Balance Transfer

6 months

0% Purchases

33.9%

Representative APR

£0

Annual Fee

6 months at 0%

Balance Transfer

May suit

Building or rebuilding credit
0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

6 months promotional purchase offer
6 months promotional balance-transfer offer

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

American Express

Amex Cashback Credit Card

0% Purchases

Rewards

34.6%

RepresentativeAPR

£25

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

None

May suit

0% purchase spending
Rewards

3 months promotional purchase offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

American Express

Amex Cashback Credit Card

0% Purchases

Rewards

3 months

0% Purchases

34.6%

Representative APR

£25

Annual Fee

May suit

0% purchase spending
Rewards

Rewards / Cashback:: American Express rewards / cashback
Eligibility check:: Soft eligibility check available

3 months promotional purchase offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Vanquis Balance Transfer Card

Vanquis Balance Transfer Credit Card

Credit Builder

0% Purchases

Balance Transfer

Building credit

35.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

0% for 19 months

May suit

Building or rebuilding credit
0% purchase spending
Balance transfers

Up to 19 months at 0% on balance transfers
Up to 3.9% balance-transfer fee
3 months at 0% on purchases
Eligibility check with no credit-score impact

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Vanquis Balance Transfer Card

Vanquis Balance Transfer Credit Card

Credit Builder

0% Purchases

Balance Transfer

3 months

0% Purchases

35.9%

Representative APR

£0

Annual Fee

19 months at 0%

Balance Transfer

May suit

Building or rebuilding credit
0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

Up to 19 months at 0% on balance transfers
Up to 3.9% balance-transfer fee
3 months at 0% on purchases
Eligibility check with no credit-score impact

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Thimbl

Thimbl Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

39.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 6 months

Balance transfers

0% for 6 months

May suit

0% purchase spending
Balance transfers

6 months promotional purchase offer
6 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Thimbl

Thimbl Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

6 months

0% Purchases

39.9%

Representative APR

£0

Annual Fee

6 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

6 months promotional purchase offer
6 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Yonder

Yonder Full Credit Card

0% Purchases

Rewards

65.1%

RepresentativeAPR

Not publicly stated / not verified

Annual fee

Introductory offers

Purchases

0% for 1 month

Balance transfers

None

May suit

0% purchase spending
Rewards

1 months promotional purchase offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Yonder

Yonder Full Credit Card

0% Purchases

Rewards

1 month

0% Purchases

65.1%

Representative APR

Not publicly stated / not verified

Annual Fee

May suit

0% purchase spending
Rewards

Rewards / Cashback:: 5 points per £1; travel insurance; flight and cashback redemption
Eligibility check:: Soft eligibility check available
Overseas spending:: Fee-free overseas spending

1 months promotional purchase offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

American Express

American Express Preferred Rewards Gold Credit Card

0% Purchases

Rewards

85.8%

RepresentativeAPR

£195

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

None

May suit

0% purchase spending
Rewards

3 months promotional purchase offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

American Express

American Express Preferred Rewards Gold Credit Card

0% Purchases

Rewards

3 months

0% Purchases

85.8%

Representative APR

£195

Annual Fee

May suit

0% purchase spending
Rewards

Rewards / Cashback:: American Express rewards / cashback
Eligibility check:: Soft eligibility check available

3 months promotional purchase offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

American Express

The Platinum Card

0% Purchases

Rewards

685.3%

RepresentativeAPR

£650

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

None

May suit

0% purchase spending
Rewards

3 months promotional purchase offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

American Express

The Platinum Card

0% Purchases

Rewards

3 months

0% Purchases

685.3%

Representative APR

£650

Annual Fee

May suit

0% purchase spending
Rewards

Rewards / Cashback:: American Express rewards / cashback
Eligibility check:: Soft eligibility check available

3 months promotional purchase offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Representative APRs and product details are taken from lender disclosures and may change. Your rate and credit limit depend on your circumstances. Credit subject to status. Always confirm current terms on the provider’s website.

Eligibility

Who typically qualifies?

Credit card approvals depend on creditworthiness and affordability. Some providers offer a soft eligibility check before a full application.

Usually required

Aged 18 or over
UK resident
Verifiable regular income
UK bank or current account
Ability to afford repayments
Identity and address verification

What lenders may assess

Credit history
Income and expenditure
Existing borrowing
Electoral-roll information
Recent credit applications
Employment status
Existing relationship with the provider

Meeting typical conditions does not guarantee acceptance. The provider assesses affordability and creditworthiness and may offer different terms or a different credit limit.

A soft eligibility check is usually visible only on your credit file and generally will not affect your credit score. A full application may involve a hard credit search that other lenders can see.

Guide

How do 0% purchase credit cards work?

A 0% purchase credit card lets you spend without interest for a set promotional period, as long as you meet the minimum repayment and stay within the offer terms. The length of the period varies by provider and product.

Once the promotional period ends — or if you miss payments — interest usually applies at the card’s standard purchase rate on any remaining balance.

Check when the 0% period starts and ends
Confirm whether the offer applies to all purchases
Plan repayments so the balance can be cleared in time

Before you apply

What should you compare before applying?

Look beyond the headline months. Representative APR after the offer, annual fees, and overseas or cash-withdrawal charges all affect total cost.

Introductory period length

Check when the 0% period starts and ends, and whether it covers all purchases or only some.

Representative APR after the offer

The rate that may apply to any remaining balance once the promotion ends.

Annual fees

A fee can offset the value of a longer 0% period — include it in total cost.

Minimum repayments

Paying only the minimum may leave a balance that attracts interest when the offer ends.

Other fees

Cash withdrawals, overseas spending and late-payment charges can add cost outside the 0% purchase offer.

Eligibility

Soft eligibility checks, where offered, can help you gauge likelihood before a full application.

After the offer

What happens when the 0% period ends?

Remaining balances may begin attracting the standard purchase rate once the promotional period ends, unless you repay in full or move the balance under another qualifying offer. Check the end date in the product terms and plan repayments before interest applies.

Missing a repayment or breaking offer terms can end the 0% rate early. Always confirm current wording with the provider.

Suitability

Are 0% purchase cards right for you?

These cards can help spread planned spending if you can repay within the promotional window. They are not suitable for everyone.

May suit you if

You have a planned purchase and a clear repayment plan within the 0% window
You can afford at least the minimum repayments on time
You want Section 75 protection on qualifying purchases
You prefer spreading cost without a fixed personal loan

May be less suitable if

You are unlikely to clear the balance before the promotional period ends
You need a larger, fixed loan amount with predictable monthly repayments
You would rely on cash withdrawals (often excluded from 0% purchase offers)
You are shopping for the longest 0% period without checking fees and APR after the offer

You can also compare personal loans or browse all credit cards.

FAQs

Frequently asked questions

Plain answers on 0% purchase periods, APR, eligibility and what happens when an offer ends.

Written by

Teresa Mary

Chief Finance Editor

Teresa leads WiT Money’s financial editorial content, helping ensure guides, comparisons and tools are clear, accurate and useful for UK consumers and businesses.

Last updated 10 August 2026

View Teresa Mary’s profile

Questions or updates

If you spot something that needs correcting or want to contact our editorial team, get in touch.

contact@witfinancegroup.com →

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Credit Cards

0% Purchase Credit Cards

Spread the cost of purchases without paying interest for an introductory period. Compare cards, introductory periods, fees and representative APRs.

How 0% purchase cards work

0% period

How long qualifying purchases remain interest-free.

Representative APR

The rate that may apply after the promotional offer ends.

Eligibility

Whether you are likely to qualify — subject to status.

0% purchase credit card deals

Compare 15 matching cards

Sort by

We compare participating providers and do not cover the whole market. WiT Money may receive a commission or referral fee from some providers if you proceed through a link. See how we make money

WiT Money order follows the product database order — not affiliate commission. Rates and offers can change; verify final terms with the provider before applying. How we compare credit cards →

Tesco Bank

Tesco Bank All Round Credit Card

0% Purchases

Balance Transfer

Rewards

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 14 months

Balance transfers

0% for 14 months

May suit

0% purchase spending
Balance transfers
Rewards

14 months at 0% on purchases
14 months at 0% on balance transfers
14 months at 0% on money transfers
Collect Clubcard points

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Tesco Bank

Tesco Bank All Round Credit Card

0% Purchases

Balance Transfer

Rewards

14 months

0% Purchases

24.9%

Representative APR

£0

Annual Fee

14 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers
Rewards

Rewards / Cashback:: Clubcard points
Eligibility check:: Soft eligibility check available

14 months at 0% on purchases
14 months at 0% on balance transfers
14 months at 0% on money transfers
Collect Clubcard points

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Barclaycard

Barclaycard Purchase Credit Card

0% Purchases

Balance Transfer

Rewards

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 24 months

Balance transfers

0% for 21 months

May suit

0% purchase spending
Balance transfers
Rewards

24 months promotional purchase offer
21 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Barclaycard

Barclaycard Purchase Credit Card

0% Purchases

Balance Transfer

Rewards

24 months

0% Purchases

24.9%

Representative APR

£0

Annual Fee

21 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers
Rewards

Rewards / Cashback:: Cashback available
Eligibility check:: Soft eligibility check available

24 months promotional purchase offer
21 months promotional balance-transfer offer

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Barclaycard

Barclaycard Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

0% for 36 months

May suit

0% purchase spending
Balance transfers

3 months promotional purchase offer
36 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Barclaycard

Barclaycard Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

3 months

0% Purchases

24.9%

Representative APR

£0

Annual Fee

36 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

3 months promotional purchase offer
36 months promotional balance-transfer offer

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

HSBC UK

HSBC Purchase Plus Credit Card

0% Purchases

Balance Transfer

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 24 months

Balance transfers

0% for 17 months

May suit

0% purchase spending
Balance transfers

24 months promotional purchase offer
17 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

HSBC UK

HSBC Purchase Plus Credit Card

0% Purchases

Balance Transfer

No Annual Fee

24 months

0% Purchases

24.9%

Representative APR

£0

Annual Fee

17 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

24 months promotional purchase offer
17 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Nationwide Building Society

Nationwide Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

0% for 30 months

May suit

0% purchase spending
Balance transfers

3 months promotional purchase offer
30 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Nationwide Building Society

Nationwide Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

3 months

0% Purchases

24.9%

Representative APR

£0

Annual Fee

30 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available
Overseas spending:: Fee-free overseas spending

3 months promotional purchase offer
30 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Virgin Money

Virgin Money All Round Credit Card

0% Purchases

Balance Transfer

Rewards

27.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 20 months

Balance transfers

0% for 20 months

May suit

0% purchase spending
Balance transfers
Rewards

Up to 20 months at 0% on purchases
Up to 20 months at 0% on balance transfers
2.95% balance-transfer fee
Virgin Money Cashback offers

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Virgin Money

Virgin Money All Round Credit Card

0% Purchases

Balance Transfer

Rewards

20 months

0% Purchases

27.9%

Representative APR

£0

Annual Fee

20 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers
Rewards

Rewards / Cashback:: Virgin Money Cashback
Eligibility check:: Soft eligibility check available

Up to 20 months at 0% on purchases
Up to 20 months at 0% on balance transfers
2.95% balance-transfer fee
Virgin Money Cashback offers

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Virgin Money

Virgin Money Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

27.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

0% for 36 months

May suit

0% purchase spending
Balance transfers

Up to 36 months at 0% on balance transfers
3 months at 0% on purchases
Transfer up to 95% of credit limit
Eligibility checker uses a soft search

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Virgin Money

Virgin Money Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

3 months

0% Purchases

27.9%

Representative APR

£0

Annual Fee

36 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

Up to 36 months at 0% on balance transfers
3 months at 0% on purchases
Transfer up to 95% of credit limit
Eligibility checker uses a soft search

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Santander UK

Santander All in One Credit Card

0% Purchases

Balance Transfer

Rewards

29.8%

RepresentativeAPR

Not publicly stated / not verified

Annual fee

Introductory offers

Purchases

0% for 15 months

Balance transfers

0% for 15 months

May suit

0% purchase spending
Balance transfers
Rewards

15 months promotional purchase offer
15 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Santander UK

Santander All in One Credit Card

0% Purchases

Balance Transfer

Rewards

15 months

0% Purchases

29.8%

Representative APR

Not publicly stated / not verified

Annual Fee

15 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers
Rewards

Rewards / Cashback:: 0.5% cashback, capped at £10/month
Eligibility check:: Soft eligibility check available
Overseas spending:: Fee-free overseas spending

15 months promotional purchase offer
15 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Barclaycard

Barclaycard Forward Credit Card

Credit Builder

0% Purchases

Balance Transfer

Building credit

33.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 6 months

Balance transfers

0% for 6 months

May suit

Building or rebuilding credit
0% purchase spending
Balance transfers

6 months promotional purchase offer
6 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Barclaycard

Barclaycard Forward Credit Card

Credit Builder

0% Purchases

Balance Transfer

6 months

0% Purchases

33.9%

Representative APR

£0

Annual Fee

6 months at 0%

Balance Transfer

May suit

Building or rebuilding credit
0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

6 months promotional purchase offer
6 months promotional balance-transfer offer

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

American Express

Amex Cashback Credit Card

0% Purchases

Rewards

34.6%

RepresentativeAPR

£25

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

None

May suit

0% purchase spending
Rewards

3 months promotional purchase offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

American Express

Amex Cashback Credit Card

0% Purchases

Rewards

3 months

0% Purchases

34.6%

Representative APR

£25

Annual Fee

May suit

0% purchase spending
Rewards

Rewards / Cashback:: American Express rewards / cashback
Eligibility check:: Soft eligibility check available

3 months promotional purchase offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Vanquis Balance Transfer Card

Vanquis Balance Transfer Credit Card

Credit Builder

0% Purchases

Balance Transfer

Building credit

35.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

0% for 19 months

May suit

Building or rebuilding credit
0% purchase spending
Balance transfers

Up to 19 months at 0% on balance transfers
Up to 3.9% balance-transfer fee
3 months at 0% on purchases
Eligibility check with no credit-score impact

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Vanquis Balance Transfer Card

Vanquis Balance Transfer Credit Card

Credit Builder

0% Purchases

Balance Transfer

3 months

0% Purchases

35.9%

Representative APR

£0

Annual Fee

19 months at 0%

Balance Transfer

May suit

Building or rebuilding credit
0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

Up to 19 months at 0% on balance transfers
Up to 3.9% balance-transfer fee
3 months at 0% on purchases
Eligibility check with no credit-score impact

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Thimbl

Thimbl Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

39.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 6 months

Balance transfers

0% for 6 months

May suit

0% purchase spending
Balance transfers

6 months promotional purchase offer
6 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Thimbl

Thimbl Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

6 months

0% Purchases

39.9%

Representative APR

£0

Annual Fee

6 months at 0%

Balance Transfer

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

6 months promotional purchase offer
6 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Yonder

Yonder Full Credit Card

0% Purchases

Rewards

65.1%

RepresentativeAPR

Not publicly stated / not verified

Annual fee

Introductory offers

Purchases

0% for 1 month

Balance transfers

None

May suit

0% purchase spending
Rewards

1 months promotional purchase offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Yonder

Yonder Full Credit Card

0% Purchases

Rewards

1 month

0% Purchases

65.1%

Representative APR

Not publicly stated / not verified

Annual Fee

May suit

0% purchase spending
Rewards

Rewards / Cashback:: 5 points per £1; travel insurance; flight and cashback redemption
Eligibility check:: Soft eligibility check available
Overseas spending:: Fee-free overseas spending

1 months promotional purchase offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

American Express

American Express Preferred Rewards Gold Credit Card

0% Purchases

Rewards

85.8%

RepresentativeAPR

£195

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

None

May suit

0% purchase spending
Rewards

3 months promotional purchase offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

American Express

American Express Preferred Rewards Gold Credit Card

0% Purchases

Rewards

3 months

0% Purchases

85.8%

Representative APR

£195

Annual Fee

May suit

0% purchase spending
Rewards

Rewards / Cashback:: American Express rewards / cashback
Eligibility check:: Soft eligibility check available

3 months promotional purchase offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

American Express

The Platinum Card

0% Purchases

Rewards

685.3%

RepresentativeAPR

£650

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

None

May suit

0% purchase spending
Rewards

3 months promotional purchase offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

American Express

The Platinum Card

0% Purchases

Rewards

3 months

0% Purchases

685.3%

Representative APR

£650

Annual Fee

May suit

0% purchase spending
Rewards

Rewards / Cashback:: American Express rewards / cashback
Eligibility check:: Soft eligibility check available

3 months promotional purchase offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Eligibility

Who typically qualifies?

Credit card approvals depend on creditworthiness and affordability. Some providers offer a soft eligibility check before a full application.

Usually required

Aged 18 or over
UK resident
Verifiable regular income
UK bank or current account
Ability to afford repayments
Identity and address verification

What lenders may assess

Credit history
Income and expenditure
Existing borrowing
Electoral-roll information
Recent credit applications
Employment status
Existing relationship with the provider

Meeting typical conditions does not guarantee acceptance. The provider assesses affordability and creditworthiness and may offer different terms or a different credit limit.

A soft eligibility check is usually visible only on your credit file and generally will not affect your credit score. A full application may involve a hard credit search that other lenders can see.

Guide

How do 0% purchase credit cards work?

Once the promotional period ends — or if you miss payments — interest usually applies at the card’s standard purchase rate on any remaining balance.

Check when the 0% period starts and ends
Confirm whether the offer applies to all purchases
Plan repayments so the balance can be cleared in time

Before you apply

What should you compare before applying?

Look beyond the headline months. Representative APR after the offer, annual fees, and overseas or cash-withdrawal charges all affect total cost.

Introductory period length

Check when the 0% period starts and ends, and whether it covers all purchases or only some.

Representative APR after the offer

The rate that may apply to any remaining balance once the promotion ends.

Annual fees

A fee can offset the value of a longer 0% period — include it in total cost.

Minimum repayments

Paying only the minimum may leave a balance that attracts interest when the offer ends.

Other fees

Cash withdrawals, overseas spending and late-payment charges can add cost outside the 0% purchase offer.

Eligibility

Soft eligibility checks, where offered, can help you gauge likelihood before a full application.

After the offer

What happens when the 0% period ends?

Missing a repayment or breaking offer terms can end the 0% rate early. Always confirm current wording with the provider.

Suitability

Are 0% purchase cards right for you?

These cards can help spread planned spending if you can repay within the promotional window. They are not suitable for everyone.

May suit you if

You have a planned purchase and a clear repayment plan within the 0% window
You can afford at least the minimum repayments on time
You want Section 75 protection on qualifying purchases
You prefer spreading cost without a fixed personal loan

May be less suitable if

You are unlikely to clear the balance before the promotional period ends
You need a larger, fixed loan amount with predictable monthly repayments
You would rely on cash withdrawals (often excluded from 0% purchase offers)
You are shopping for the longest 0% period without checking fees and APR after the offer

You can also compare personal loans or browse all credit cards.

FAQs

Frequently asked questions

Plain answers on 0% purchase periods, APR, eligibility and what happens when an offer ends.

Written by

Teresa Mary

Chief Finance Editor

Teresa leads WiT Money’s financial editorial content, helping ensure guides, comparisons and tools are clear, accurate and useful for UK consumers and businesses.

Last updated 10 August 2026

View Teresa Mary’s profile

Questions or updates

If you spot something that needs correcting or want to contact our editorial team, get in touch.

contact@witfinancegroup.com →

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