You are here:
Which? home >
Money >
Credit cards & loans >
Credit cards >
Best credit card deals with 0% on purchases

Credit cards Best credit card deals with 0% on purchases

If you're planning to make a big credit card purchase now and want to spread the cost over a year or more interest-free, these are the best credit cards for you.

Provider	Length of promotion Length of promotion help	Reward scheme Reward scheme help	Purchase APR Purchase APR help	Cash withdrawal APR Cash withdrawal APR help	Annual card fee	Customer score Customer score help

NatWest YourPoints World MasterCard Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 17.9% (variable), your Representative APR will be 17.9% (variable).	18 months	Yes	17.9%	27.9%	No Fee	56%
RBS YourPoints World MasterCard Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 17.9% (variable), your Representative APR will be 17.9% (variable).	18 months	Yes	17.9%	27.9%	No Fee	56%
Marks & Spencer Money MasterCard Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 15.9% (variable), your Representative APR will be 15.9% (variable).	15 months	Yes	15.9%	23.9%	No Fee	78%
Tesco Clubcard MasterCard Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 16.9% (variable), your Representative APR will be 16.9% (variable).	15 months	Yes	16.9%	24.9%	No Fee	71%
Halifax All In One MasterCard Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 17.9% (variable), your Representative APR will be 17.9% (variable).	15 months^a	Yes	17.9%^a	27.9%	No Fee	54%
Barclaycard Platinum with Purchase Visa Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 18.9% (variable), your Representative APR will be 18.9% (variable).	15 months	Yes	18.9%	27.9%	No Fee	53%
Virgin Money Purchase MasterCard Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 18.9% (variable), your Representative APR will be 18.9% (variable).	13 months	No	18.9%	27.9%	No Fee	62%
Nationwide Select Visa Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 12.9% (variable), your Representative APR will be 12.9% (variable).	18 months	Yes - (Cashback)	12.9%	27.9%	No Fee	70%
Sainsbury's Finance Credit Card MasterCard Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 16.9% (variable), your Representative APR will be 16.9% (variable).	12 months	No	16.9%	24.9%	No Fee	66%
Bank of Scotland All In One MasterCard Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 17.9% (variable), your Representative APR will be 17.9% (variable).	12 months	No	17.9%	27.9%	No Fee	53%

Table notes

a) The APR and length of the promotional offer are dependent on your personal circumstances.

Help

Length of promotion

How long the interest-free deal lasts.

Back to Length of promotion in money table

Reward scheme

Rewards paid on purchases made on the card.

Back to Reward scheme in money table

Purchase APR

The interest rate you'll pay on new shopping.

Back to Purchase APR in money table

Cash withdrawal APR

The interest rate you'll pay on cash withdrawals from an ATM.

Back to Cash withdrawal APR in money table

Customer score

Which? member score based on customer satisfaction and likelihood of recommending company to friend/family member.

Back to customer score in money table

Wherever we display an “APPLY NOW” button in the above table, that company pays us a small fee each time someone clicks on the button. These payments do not influence whether a product is in the table, where it appears, or whether it continues to do so. Our Best Rates tables are compiled by our independent researchers. All revenue raised from these tables is reinvested in our research and campaigning work on behalf of all UK consumers.

Which? Recommended Providers and Which? warning

Which? Recommended Providers are companies that are both rated highly by our members and have products that meet the high standards of our researchers. Which? closely monitors the products and practices of all Recommended Providers and reserves the right to exclude any company that does not treat its customers fairly. Follow the link for a full list of WRPs.

We also understand that for many people, finding products with the best rate is a priority. But where a product from a provider with a poor service score appears in our Best Rate tables, we'll highlight this with the warning logo. By naming and shaming providers which customers judge to offer poor satisfaction in these tables, we hope that companies improve their standards.

In this section

You may also be interested in