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 | Find out more |
|---|---|---|---|---|---|---|---|
Nationwide Select Visa  | 18 months | Yes - (Cashback) | 12.9% | 27.9% | No Fee | 66% |  |
Marks & Spencer Money MasterCard   | 15 months | Yes | 15.9% | 23.9% | No Fee | 78% |  |
Tesco Clubcard MasterCard  | 15 months | Yes | 16.9% | 24.9% | No Fee | 72% | |
Halifax All In One MasterCard | 15 months | Yes | 17.9% | 27.9% | No Fee | 55% | |
Barclaycard Platinum with Purchase Visa | 14 months | Yes | 18.9% | 27.9% | No Fee | 54% | |
Natwest YourPoints World MasterCard | 13 months | No | 17.9% | 27.9% | No Fee | 56% | |
RBS YourPoints World MasterCard | 13 months | No | 17.9% | 27.9% | No Fee | 56% | |
Virgin Money Purchase MasterCard  | 13 months | No | 18.9% | 27.9% | No Fee | 60% | |
Sainsbury's Finance Credit Card MasterCard | 12 months | No | 16.9% | 24.9% | No Fee | 67% | |
Bank of Scotland All In One MasterCard | 12 months | No | 17.9% | 27.9% | No Fee | 52% | |
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.
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.