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.

Tesco Clubcard Credit Card

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0% p.a. on purchases fixed for the first 13 months.
0% p.a. on balance transfers fixed for the first 9 months.
Balance transfers subject to a 2.9% handling fee.
Typical 16.9% APR variable.
Collect even more Tesco Clubcard points (1 Tesco Clubcard point per £4 spent).
Your card doubles as a Tesco Clubcard so you can collect standard Clubcard points as well.
Use your Tesco Clubcard vouchers inside or outside Tesco in exchange for rewards or even Airmiles.
0% commission on all currency and foreign Travellers' Cheques (excluding Sterling).
Buy Now Pay Later on selected items at Tesco Direct.
Special Offers only for Tesco Clubcard Credit Card customers.
Interest free period of up to 51 days on all purchases.
No annual fee.

Halifax All In One Credit Card

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0% p.a. on purchases and balance transfers fixed for the first 10 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

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0% p.a. on purchases and balance transfers fixed for the first 10 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.

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.

American Express Platinum Cashback Credit Card

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0% p.a. on purchases fixed for the first 6 months.
Typical 19.9% APR variable.
5% Cashback up to £100 on almost everything you buy with the card for the first 3 months, and then up to 1.25% thereafter.
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.
Optional Repayment Protection.
No annual fee providing your annual spending reaches £500, otherwise a charge of £15 will be applied.

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 2.89% handling fee.
Typical 16.8% APR variable.
Save 10% when using your Virgin Purchases Credit Card online at Virgin Megastores , Virgin Wines, VIE at home, Virgin Holidays and Virgin Holidays Cruises.
Save 20% when using your Virgin Purchases Credit Card on selected Virgin Experiences.
Half price Virgin Balloon Flights when using your Virgin Purchases Credit Card.
Exclusive savings with Virgin Media on TV, broadband, phone and mobile.
Silver, 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

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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.

Halifax Plus 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 3% handling fee.
Typical 16.9% 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.

Egg Credit Card

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0% p.a. on purchases fixed until 1st April 2011.
0% p.a. on balance transfers fixed until 1st March 2012.
Balance transfers subject to a 3% handling fee.
Typical 17.9% APR variable.
Access to the Egg Cash Back Store with cash back offers from 1,900 well-known online retailers.
Savings on Egg insurance.
Free Purchase Protection and Travel Accident Insurance.
Internet delivery guarantee and active fraud monitoring.
Interest free period of up to 45 days on all purchases.
No annual fee.

Bank of Scotland Plus 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.
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.

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