0% Purchase Credit Cards

0% purchase credit cards are ideal for those intending a spending spree or those buying an expensive item over a period of time.


The 0% purchase rate is usually offered for a fixed period only as an incentive for you to apply; once the fixed period has expired the rate of interest will revert to the standard variable rate and this is how the credit card company makes a profit. If customers still have an outstanding balance on the credit card most will apply for another 0% balance transfer credit card to transfer the remaining balance to, saving paying any unneccesary interest although a balance transfer fee may well be charged.


All these credit cards offer a 0% p.a. rate on purchases for a fixed period only.

BT Retail Credit Card

BT Retail Credit Card
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  • 0% p.a. on purchases fixed for the first 10 months on petrol station and supermarket spend.
  • Petrol and supermarket offer is available instore only and includes most major UK supermarkets; Tesco, Sainsburys, Asda, Morrisons, Waitrose, Iceland, Somerfield, Co-op and Aldi.
  • 0% p.a. on balance transfers fixed for the first 6 months.
  • Balance transfers subject to a 2% handling fee.
  • Typical 16.9% APR variable.
  • 0% p.a. on cash transfers into your current account fixed for the first 13 months.
  • Cash transfers subject to a 4% handling fee.
  • BT Credit Card Rewards are awarded as a discount on your applicable BT telephone bill at the rate of 1p for each £2 spent on the BT Retail Credit Card (max BT Credit Card Reward of £75 in any 12 month period).
  • Interest free period of up to 50 days on all purchases.
  • No annual fee.

Halifax All In One Credit Card

Halifax All In One Credit Card
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  • 0% p.a. on purchases and balance transfers fixed for the first 9 months.
  • Balance transfers subject to a 3% handling fee.
  • Typical 15.9% APR variable.
  • 5 choices of credit card colour.
  • Optional payment protection, card protection and identity protection.
  • Interest free period of up to 59 days on all purchases.
  • No annual fee.

Bank of Scotland All In One Credit Card

Bank of Scotland All In One Credit Card
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  • 0% p.a. on purchases and balance transfers fixed for the first 9 months.
  • Balance transfers subject to a 3% handling fee.
  • Typical 15.9% APR variable.
  • 5 choices of credit card colour.
  • Optional payment protection, card protection and identity protection.
  • Interest free period of up to 59 days on all purchases.
  • No annual fee.

Capital One Plus Credit Card

Capital One Plus Credit Card
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  • 0% p.a. on purchases fixed until 1st August 2010.
  • Balance transfers subject to a 3% handling fee.
  • Typical 14.9% APR variable.
  • 6 choices of credit card design.
  • Online security and anti-fraud protection.
  • Free Purchase Protection Insurance.
  • Paperless application process. Response in 1 minute.
  • Minimum credit limit of £100; maximum credit limit of £2,500.
  • Interest free period of up to 56 days on all purchases.
  • No annual fee.
  • The credit card for customers with a very good credit history.

American Express Express Rewards Credit Card

American Express Express Rewards Credit Card
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  • 0% p.a. on purchases fixed for the first 6 months.
  • Typical 17.9% APR variable.
  • Earn up to 3 points for every £1 spent at major UK supermarkets, 2 points for every £1 spent at UK department stores and 1 point for every £1 spent elsewhere.
  • Exchange 5,000 points for a £25 gift voucher from a selection of favourite stores, both on the high street and online.
  • Receive 6,000 bonus points when you spend £500 in the first 3 months.
  • Purchase Protection, Refund Protection and Online Fraud Guarantee.
  • Travel Accident Benefit - up to £150,000 when public transport travel tickets are charged to the Card.
  • Complimentary additional Cards and Emergency Card Replacement.
  • No annual fee.

Virgin Credit Card

Virgin Credit Card
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  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on balance transfers fixed for the first 16 months.
  • Balance transfers subject to a 2.98% handling fee.
  • Typical 16.6% APR variable.
  • Save 10% when using your Virgin Credit Card online at Virgin Megastores and Virgin Holidays.
  • Save 20% when using your Virgin Credit Card to buy a Virgin Mobile.
  • Sexy red, classy black or cheeky pink card designs.
  • Up to £250,000 FREE Travel Accident Insurance and FREE Purchase Protection Insurance.
  • Interest free period of up to 50 days on all purchases.
  • No annual fee.

HSBC Credit Card

HSBC Credit Card
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  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on balance transfers fixed for the first 15 months.
  • Balance transfers subject to a 2.9% handling fee.
  • Typical 16.9% APR variable.
  • Up to 8% discount on Thomas Cook holidays booked through the HSBC Travel Club.
  • Available to HSBC Bank Account customers only.
  • Interest free period of up to 56 days on all purchases.
  • No annual fee.

MBNA Platinum Credit Card

MBNA Platinum Credit Card
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  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on balance transfers fixed for the first 13 months.
  • Balance transfers subject to a 2.9% handling fee.
  • Typical 16.9% APR variable.
  • 0% p.a. on cash transfers into your current account fixed for the first 13 months.
  • Cash transfers incur a 4% handling fee.
  • Protect you and your MBNA Platinum Credit Card with MBNA Secure.
  • Interest free period of up to 56 days on all purchases.
  • No annual fee.

MBNA Platinum Rewards Credit Card

MBNA Platinum Rewards Credit Card
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  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on balance transfers fixed for the first 13 months.
  • Balance transfers subject to a 2.9% handling fee.
  • Typical 16.9% APR variable.
  • 0% p.a. on cash transfers into your current account fixed for the first 13 months.
  • Cash transfers incur a 4% handling fee.
  • Earn 1 MBNA Reward point for every £1 you spend and redeem them for high street vouchers, wine, holidays, flights or even cash.
  • 2,000 bonus MBNA Reward points on your first card purchase within 90 days of your account being opened.
  • Protect you and your MBNA Platinum Rewards Credit Card with MBNA Secure.
  • Interest free period of up to 56 days on all purchases.
  • No annual fee.

BT Cash Credit Card

BT Cash Credit Card
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  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on balance transfers fixed for the first 13 months.
  • Balance transfers subject to a 3% handling fee.
  • Typical 16.9% APR variable.
  • 0% p.a. on cash transfers into your current account fixed for the first 13 months.
  • Cash transfers subject to a 4% handling fee.
  • BT Credit Card Rewards are awarded as a discount on your applicable BT telephone bill at the rate of 1p for each £1.50 spent on the BT Cash Credit Card.
  • Interest free period of up to 50 days on all purchases.
  • No annual fee.

England Credit Card

England Credit Card
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  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on balance transfers fixed for the first 12 months.
  • Balance transfers subject to a 3% handling fee.
  • Typical 15.9% APR variable.
  • 0% p.a. on cash transfers into your current account fixed for the first 12 months.
  • Cash transfers subject to a 4% handling fee.
  • 15% discount on all purchases at the official England Online Store.
  • Every time you make a card purchase using your MBNA football credit card a contribution will be made to English football, at no extra cost to you, to be invested back into building the team's future.
  • Interest free period of up to 50 days on all purchases.
  • No annual fee.

Arsenal Credit Card

Arsenal Credit Card
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  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on balance transfers fixed for the first 12 months.
  • Balance transfers subject to a 3% handling fee.
  • Typical 15.9% APR variable.
  • 0% p.a. on cash transfers into your current account fixed for the first 12 months.
  • Cash transfers subject to a 4% handling fee.
  • Earn rewards points on the new MBNA Football Rewards scheme with 1 reward point for every £1 spent using your MBNA football credit card.
  • Every time you make a card purchase using your MBNA football credit card a contribution will be made to the Club, at no extra cost to you, to be invested back into building the team's future.
  • Interest free period of up to 50 days on all purchases.
  • No annual fee.

Aston Villa Credit Card

Aston Villa Credit Card
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  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on balance transfers fixed for the first 12 months.
  • Balance transfers subject to a 3% handling fee.
  • Typical 15.9% APR variable.
  • 0% p.a. on cash transfers into your current account fixed for the first 12 months.
  • Cash transfers subject to a 4% handling fee.
  • Earn rewards points on the new MBNA Football Rewards scheme with 1 reward point for every £1 spent using your MBNA football credit card.
  • Every time you make a card purchase using your MBNA football credit card a contribution will be made to the Club, at no extra cost to you, to be invested back into building the team's future.
  • Interest free period of up to 50 days on all purchases.
  • No annual fee.

Celtic Credit Card

Celtic Credit Card
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  • 0% p.a. on balance transfers fixed for the first 12 months.
  • Balance transfers include a 3% handling fee.
  • Typical 15.9% APR variable.
  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on cash transfers into your current account fixed for the first 12 months.
  • Cash transfers incur a 4% handling fee.
  • Earn rewards points on the new MBNA Football Rewards scheme with 1 reward point for every £1 spent using your Celtic credit card.
  • Every time you make a card purchase using your Celtic credit card a contribution will be made to Celtic Football Club, at no extra cost to you, to be invested back into building the team's future.
  • Interest free period of up to 50 days on all purchases.
  • No annual fee.

Chelsea Credit Card

Chelsea Credit Card
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  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on balance transfers fixed for the first 12 months.
  • Balance transfers subject to a 3% handling fee.
  • Typical 15.9% APR variable.
  • 0% p.a. on cash transfers into your current account fixed for the first 12 months.
  • Cash transfers subject to a 4% handling fee.
  • Earn rewards points on the new MBNA Football Rewards scheme with 1 reward point for every £1 spent using your MBNA football credit card.
  • Every time you make a card purchase using your MBNA football credit card a contribution will be made to the Club, at no extra cost to you, to be invested back into building the team's future.
  • Interest free period of up to 50 days on all purchases.
  • No annual fee.

Liverpool Credit Card

Liverpool Credit Card
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  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on balance transfers fixed for the first 12 months.
  • Balance transfers subject to a 3% handling fee.
  • Typical 15.9% APR variable.
  • 0% p.a. on cash transfers into your current account fixed for the first 12 months.
  • Cash transfers subject to a 4% handling fee.
  • Earn rewards points on the new MBNA Football Rewards scheme with 1 reward point for every £1 spent using your MBNA football credit card.
  • Every time you make a card purchase using your MBNA football credit card a contribution will be made to the Club, at no extra cost to you, to be invested back into building the team's future.
  • Interest free period of up to 50 days on all purchases.
  • No annual fee.

Manchester United Credit Card

Man Utd Credit Card
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  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on balance transfers fixed for the first 12 months.
  • Balance transfers subject to a 3% handling fee.
  • Typical 15.9% APR variable.
  • 0% p.a. on cash transfers into your current account fixed for the first 12 months.
  • Cash transfers subject to a 4% handling fee.
  • Earn rewards points on the new MBNA Football Rewards scheme with 1 reward point for every £1 spent using your MBNA football credit card.
  • Every time you make a card purchase using your MBNA football credit card a contribution will be made to the Club, at no extra cost to you, to be invested back into building the team's future.
  • Interest free period of up to 50 days on all purchases.
  • No annual fee.

Rangers Credit Card

Rangers Credit Card
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  • 0% p.a. on balance transfers fixed for the first 12 months.
  • Balance transfers include a 3% handling fee.
  • Typical 15.9% APR variable.
  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on cash transfers into your current account fixed for the first 12 months.
  • Cash transfers incur a 4% handling fee.
  • Earn rewards points on the new MBNA Football Rewards scheme with 1 reward point for every £1 spent using your Rangers credit card.
  • Every time you make a card purchase using your Rangers credit card a contribution will be made to Rangers Football Club, at no extra cost to you, to be invested back into building the team's future.
  • Interest free period of up to 50 days on all purchases.
  • No annual fee.

Tottenham Credit Card

Tottenham Credit Card
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  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on balance transfers fixed for the first 12 months.
  • Balance transfers subject to a 3% handling fee.
  • Typical 15.9% APR variable.
  • 0% p.a. on cash transfers into your current account fixed for the first 12 months.
  • Cash transfers subject to a 4% handling fee.
  • Earn rewards points on the new MBNA Football Rewards scheme with 1 reward point for every £1 spent using your MBNA football credit card.
  • Every time you make a card purchase using your MBNA football credit card a contribution will be made to the Club, at no extra cost to you, to be invested back into building the team's future.
  • Interest free period of up to 50 days on all purchases.
  • No annual fee.

Sony Credit Card

Sony Credit Card
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  • 0% p.a. on balance transfers fixed for the first 12 months.
  • Balance transfers include a 3% handling fee.
  • Typical 15.9% APR variable.
  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on cash transfers into your current account fixed for the first 12 months.
  • Cash transfers incur a 4% handling fee.
  • Receive 3,000 Sony Card Reward Points when you purchase with your Sony Credit Card within the first 90 days - enough to claim 2 free DVDs, CDs, a PSP game or a PS2 game.
  • Earn Reward Points on the new Sony Card Rewards Points Programme with 1 Reward Point for every £1 spent using your Sony credit card.
  • Earn Triple Reward Points when you buy products from Sony using your Sony credit card.
  • Sony will keep you updated with what's new in Sony's Entertainment World including access to exclusive offers from Sony.
  • Interest free period of up to 50 days on all purchases.
  • No annual fee.

BMI Credit Card

BMI Credit Card
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  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on balance transfers fixed for the first 12 months.
  • Balance transfers subject to a 3% handling fee.
  • Typical 15.9% APR variable.
  • 0% p.a. on cash transfers into your current account fixed for the first 12 months.
  • Cash transfers subject to a 4% handling fee.
  • Earn 20,000 destinations miles by spending £250 on card purchases within 90 days of your account opening.
  • Earn 1.5 destinations miles for every £1 spent on every day card purchases.
  • Earn triple destinations miles when using your BMI credit card to buy BMI flights at flybmi.com.
  • Automatic diamond club membership, the UK's most generous frequent flyer scheme.
  • Interest free period of up to 50 days on all purchases.
  • No annual fee.

Breakthrough Breast Cancer Credit Card

Breakthrough Breast Cancer Credit Card
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  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on balance transfers fixed for the first 12 months.
  • Balance transfers subject to a 3% handling fee.
  • Typical 15.9% APR variable.
  • 0% p.a. on cash transfers into your current account fixed for the first 12 months.
  • Cash transfers subject to a 4% handling fee.
  • Breakthrough Breast Cancer receive an initial £5 when you use your card within 90 days of the account opening.
  • Breakthrough Breast Cancer will receive a further 25p for every £100 you spend on card purchases.
  • Breakthrough Breast Cancer will receive an additional £2 for every year you continue to use the card.
  • Interest free period of up to 50 days on all purchases.
  • No annual fee.

RSPCA Credit Card

RSPCA Credit Card
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  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on balance transfers fixed for the first 12 months.
  • Balance transfers subject to a 3% handling fee.
  • Typical 15.9% APR variable.
  • 0% p.a. on cash transfers into your current account fixed for the first 12 months.
  • Cash transfers subject to a 4% handling fee.
  • The RSPCA will receive £20 when you take out an RSPCA credit card.
  • The RSPCA will receive a further 25p for every £100 you spend on card purchases.
  • 3 choices of credit card design.
  • Interest free period of up to 50 days on all purchases.
  • No annual fee.

WWF Credit Card

WWF Credit Card
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  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on balance transfers fixed for the first 12 months.
  • Balance transfers subject to a 3% handling fee.
  • Typical 15.9% APR variable.
  • 0% p.a. on cash transfers into your current account fixed for the first 12 months.
  • Cash transfers subject to a 4% handling fee.
  • MBNA make a contribution to WWF for all card purchases made, helping to stop the degradation of our planet's environment.
  • WWF will send you a soft toy to match the animal on your card when you spend over £100 within 90 days.
  • Entitled to 10% discount at the WWF shop.
  • 4 choices of credit card design.
  • Interest free period of up to 50 days on all purchases.
  • No annual fee.

National Trust Credit Card

National Trust Credit Card
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  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on balance transfers fixed for the first 12 months.
  • Balance transfers subject to a 3% handling fee.
  • Typical 15.9% APR variable.
  • 0% p.a. on cash transfers into your current account fixed for the first 12 months.
  • Cash transfers subject to a 4% handling fee.
  • The National Trust will receive £15 when you use your card within 90 days of the account opening.
  • The National Trust will receive a further 30p for every £100 you spend on card purchases.
  • The National Trust will receive an additional £2 for every year you continue to use the card.
  • Save £5 when you use your National Trust Credit Card to spend £25 or more in National Trust Shops.
  • 4 choices of credit card design.
  • Interest free period of up to 50 days on all purchases.
  • No annual fee.

British Heart Foundation Credit Card

British Heart Foundation Credit Card
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  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on balance transfers fixed for the first 12 months.
  • Balance transfers subject to a 3% handling fee.
  • Typical 15.9% APR variable.
  • 0% p.a. on cash transfers into your current account fixed for the first 12 months.
  • Cash transfers subject to a 4% handling fee.
  • The British Heart Foundation will receive £7.50 when you use your card within 90 days of opening your account.
  • The British Heart Foundation will receive a further 35p for every £100 you spend on card purchases.
  • Interest free period of up to 50 days on all purchases.
  • No annual fee.

Dogs Trust Credit Card

Dogs Trust Credit Card
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  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on balance transfers fixed for the first 12 months.
  • Balance transfers subject to a 3% handling fee.
  • Typical 15.9% APR variable.
  • 0% p.a. on cash transfers into your current account fixed for the first 12 months.
  • Cash transfers subject to a 4% handling fee.
  • The Dogs Trust will receive £4 when you use your card within 90 days of opening your account.
  • The Dogs Trust will receive a further 25p for every £100 you spend on card purchases.
  • The Dogs Trust will also receive £2 for every year you continue to use the card.
  • Interest free period of up to 50 days on all purchases.
  • No annual fee.

UNICEF Credit Card

UNICEF Credit Card
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  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on balance transfers fixed for the first 12 months.
  • Balance transfers subject to a 3% handling fee.
  • Typical 15.9% APR variable.
  • 0% p.a. on cash transfers into your current account fixed for the first 12 months.
  • Cash transfers subject to a 4% handling fee.
  • UNICEF will receive £20 when you use your card within 90 days of opening your account.
  • UNICEF will receive a further 25p for every £100 you spend on card purchases.
  • Interest free period of up to 50 days on all purchases.
  • No annual fee.

MBNA Alliance & Leicester Credit Card

MBNA Alliance & Leicester Credit Card
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  • 0% p.a. on purchases fixed for the first 3 months.
  • 0% p.a. on balance transfers fixed for the first 12 months.
  • Balance transfers subject to a 3% handling fee.
  • Typical 15.9% APR variable.
  • Interest free period of up to 53 days on all purchases.
  • No annual fee.

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