Best credit card deals with 0% on purchases
Cards with 0% on purchases allow you to spread the cost of big items
The best credit card for spreading the cost of big purchases
If you're planning to make a big credit card purchase now and want to pay 0% interest for the first few months, these are the best credit cards for you.
These credit cards charge no interest on purchases for up to 10 months, making them a cheap way to borrow short-term.
Make sure you keep up the minimum monthly repayments on the credit card though, or you could lose the 0% interest deal.
And if you haven't paid it off by the end of the 0% period, consider switching the balance to the best credit card for balance transfers.
| Best for 0% purchases Cards that offer the best introductory interest-free deals for purchases | |||||
|---|---|---|---|---|---|
| Product | Which? recommended provider | APR | Length of 0% period | Customer score | Find out more |
| Average | 16.8% | 68% | |||
| Tesco Personal Finance Clubcard MasterCard |  | 16.9% | 12 months | 75% | Tesco Personal Finance |
| Tesco offer new customers an excellent 0%-on-purchases deal of 12 months. Make sure you pay back all debt during the 0% period as the rate will revert back to its headline rate. Tesco score very well in our Which? customer satisfaction survey and make it as a Recommended Provider. | |||||
| Marks & Spencer Money MasterCard | | 15.9% | 10 months | 78% | Marks & Spencer Money |
| This Best Rate card and currently has one of the longest 0% on new purchases deals on the market of 10 months. The card also scores very well in our Which? customer satisfaction survey with 78% making in to our Recommended provider table and offers a good loyalty scheme. You get 1 point for every £1 spent in M&S or £2 elsewhere, 100 points is equal to a £1 M&S voucher. | |||||
| Sainsbury's Finance MasterCard | | 15.9% | 10 monthsa | 71% |  |
| An introductory 0% deal on purchases for 10 months or 12 months on Sainsbury's shopping. This card also offers a loyalty point scheme. Make sure you pay off any debt you accrue during the introductory offer as this will revert back to the card's headline rate at the end of the 0% deal. Sainsburys are recommended provider with a good customer satisfaction score. | |||||
| Saga Platinum Visab | | 11.9% | 9 months | 76% | Saga |
| A Best Rate card from a Recomended Provider offering a low standard APR, together with a good nine-month 0%-on-new-purchases deal and a customer-friendly order of repayments. Please note this card is only available to customers aged 50 or over. It is also one of the few cards that does not charge a foreign loading fee for use in Europe. | |||||
| Play.com Credit Card | No | 15.9% | 9 months | n/a | Play.com |
| This offers a good 9-month introductory 0% on purchases deal with a typical APR of 15.9%. The card has a good reward scheme if you are likely to purchases goods from Play.com - 2 Play points for every £1 spent. Earn 1 Play point for every £1 spent elsewhere. There is also a introductory bonus of 1,500 Play points on initial card purchases of £150 within 90 days of opening account. | |||||
Table notes
For all cards in the table exact rate depends on your credit score.
Wherever we display a “MORE INFO” 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.
- 0% for the first 12 months on Sainsburys shopping
- Card only available to customers aged over 50.