Find the best 0% purchase credit cards

Q: Will applying affect my credit score?

Using a soft search eligibility checker will not affect your credit score. A full application involves a hard credit search, which may cause a small temporary change to your score.

Q: How long is the longest 0% purchase offer?

Some cards offer up to 31 months interest free on purchases. Offers can change and depend on your eligibility.

Q: Can I use a purchase card abroad?

Yes, but check for non sterling transaction fees. If you travel regularly, see Mintify's guide on travel credit cards to find cards that waive foreign usage fees.

Nov 9, 2025 | Credit Cards, Guides

Editor, Consumer Finance: Michelle Blackmore

Last Updated: November 10, 2025

At Mintify, we provide a research based view of 0% purchase credit cards from UK providers, using publicly available data, so you can find options that best fit your needs. You can also view cards for credit builders and also cards that include balance transfer options too for added flexibility.

Use our tables below to compare some of the current 0% purchase offers. Taking an eligibility check is free, and will not affect your credit score. Final approval always depends on the lender’s own assessment.

What is a 0% purchase credit card?

A 0% purchase credit card offers an introductory interest-free period on new spending. During this time, any purchases you make will not accrue interest provided you make your minimum monthly repayments and clear the balance before the promotional period ends.

These cards may help manage one-off purchases, home improvements, or planned spending that you prefer to spread over several months.

When comparing 0% purchase credit cards, always check what the standard APR will be once the interest-free period ends. The rate that applies after the introductory offer can vary between lenders and may depend on your individual circumstances.

Mintip: A 0% purchase card works best when you plan to clear your balance before the offer ends. That way, you benefit from interest-free borrowing without paying interest fees later.

Compare two of Mintify’s highest scoring 0% Purchase Credit Cards

The cards shown below represent two of the highest rated products according to Mintify’s independent proprietary scoring methodology. Our scoring system evaluates key factors such as 0% purchase duration, fees, flexibility, and overall value to help you compare features objectively.

These ratings are provided for comparison purposes only and do not constitute financial advice. The most suitable card for you will depend on your personal circumstances, eligibility, and intended use. Always review the full terms and conditions before applying, and consider using a free eligibility checker to understand which cards you’re most likely to be approved for.

You can also explore our guide on how to choose a credit card to understand the different types available and which option may suit your needs right now.

	HSBC Purchase Plus	M&S Bank Purchase Plus
Account Fee	£0	£0
Representative APR	24.90%	24.90%
Purchases Description	0% for up to 20 months, then 24.90% (variable) p.a.	0% for up to 24 months, then 24.90% (variable) p.a.
Purchases Interest Free	56 days	55 days
Balance Transfers	0% for 17 months, then 24.90% (variable) p.a.	0% for 12 months within 90 days, then 24.90% (variable) p.a. (3.49% fee)
Incentive on Opening	There's no annual fee for the Purchase Plus Credit Card and you can benefit from 0% interest on both purchases and balance transfers (transfer fees apply).	By subscribing to M&S Club Rewards for £10 per month, you will receive £120 in M&S vouchers as well as other gifts and treats. In total, that could be worth £240 (check T&Cs), throughout the year.
Cashback/Rewards (if applicable)	No cashback scheme	1 rewards point per £1 spent in M&S and 1 rewards point for every £5 spent elsewhere. 100 rewards points = £1 in M&S vouchers.
Minimum Credit Limit	£500.00	£0.00
Intro Balance Transfers Fee	3.49%	3.49%
Balance Transfers Fee	3.49%	3.49%
Foreign Usage (EU)	2.99%	2.99%
Foreign Usage World	2.99%	2.99%

Compare two of Mintify’s highest scoring 0% Purchase and Balance Transfer Credit Cards

If you want to make new purchases while moving an existing balance, a 0% purchase and balance transfer card can offer both. These cards typically include two promotional periods: one for purchases and one for balance transfers.

For most balance transfer cards, you must complete your transfer within a set time window, often within 60 to 90 days of the card being activated, to benefit from the 0% interest offer. Transfer fees may also apply, and some promotional fees are reduced for a limited period only. Always check your card’s terms and conditions before completing or activating a balance transfer.

If you decide that the balance period introductory period is more important than the purchase period, check out the Top 10 balance transfer credit cards for November 2025.

	Barclaycard All Rounder Platinum	Lloyds Bank Platinum 0% Purchase & Balance Transfer
Account Fee	£0	£0
Representative APR	24.90%	24.94%
Purchases Description	0% for up to 19 months	0% for up to 23 months, then 24.94% (variable) p.a.
Purchases Interest Free	56 days	56 days
Balance Transfers	0% for 22 months then 24.94% (variable) p.a. (3.45% fee)	0% for 21 months, then 24.94% (variable) p.a. (2.99% fee for 3 months)
Incentive on Opening	0% interest on all purchases for up to 19 months and 0% for 22 months for balance transfers.	0% interest on all purchases for up to 23 months and 0% for 21 months for balance transfers.
Cashback/Rewards (if applicable)	No cashback scheme	No cashback scheme
Minimum Credit Limit	£50.00	£0.00
Intro Balance Transfers Fee	3.45%	2.99%
Balance Transfers Fee	3.45%	5.00%
Foreign Usage (EU)	2.99%	2.95%
Foreign Usage World	2.99%	2.95%

Plan Before You Switch

Use our Balance Transfer Calculator to find the right card for you.

If you’re carrying credit card debt, a balance transfer credit card can help you pay it down faster by moving your balance to a new card with 0% interest for a set period. Using a balance transfer calculator helps you understand how much interest you could potentially save by transferring debt from your existing cards to a balance transfer card.

Calculate Potential Savings

Compare two of Mintify’s highest scoring 0% Purchase Credit Builder Cards

If your credit history is limited or you are rebuilding your score, a few credit builder cards include shorter 0% purchase offers. These can help spread smaller costs interest-free while you build positive repayment history. Some of the best credit cards to build credit even offer balance transfer options too.

	NewDay Limited marbles Mastercard	Vanquis Bank Balance Transfer + Purchase Credit Card
Account Fee	£0	£0
Representative APR	34.90%	37.50%
Purchases Description	0% for 7 months then 34.9% (variable) p.a.	0% for up to 12 months then 37.5% (variable) p.a.
Purchases Interest Free	56 days	56 days
Balance Transfers	0% for 7 months then 34.9% (variable) p.a. (3% fee)	0% for up to 12 months, then 37.5% (variable) p.a. (2.9% fee)
Incentive on Opening	The Marbles Credit Card offers up to 7 months of 0% interest on purchases and balance transfers. Your account will be reviewed after 3 months, and you may be considered for a credit limit increase with responsible use.	Get 0% interest on balance transfers and purchases. 0 interest is available for up to 12 months, depending on your eligibility. Balance transfers must be made within 60 days of account opening to benefit from the 0 interest offer.
Cashback/Rewards (if applicable)	No cashback scheme	No cashback scheme
Minimum Credit Limit	£250.00	£250.00
Intro Balance Transfers Fee	3.00%	2.90%
Balance Transfers Fee	3.00%	2.90%
Foreign Usage (EU)	2.95%	3%
Foreign Usage World	2.95%	3%

Find the right Credit Card for you

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Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.

How 0% purchase credit cards work

If a card, for example, offers “0% on purchases for 20 months”, it means that purchases made during those first 20 months will not incur interest, provided you pay the balance off in full before the promotional period ends.

To make the most out of your 0% purchase credit card:

Always make at least the minimum monthly repayment on time – these are still required.

Stay within your agreed credit limit.

Clear the balance before the 0% period finishes.

Understand the terms and conditions that come with the 0% offer to ensure that if there are any exclusions, you’re aware of them prior to using the card.

Missing a payment may result in fees and the loss of the promotional 0% offer. Always check the length of the 0% you have been offered personally; it could vary from the one you have seen advertised.

Responsible use of 0% purchase credit cards and the impact on your credit file

A 0% purchase credit card may be useful if it fits your circumstances and you are confident you can make repayments on time. Always make at least the minimum monthly payment by the due date, stay within your credit limit, and aim to clear the balance before the interest-free period ends.

How you manage a credit card will influence your credit file. Making payments on time and keeping balances low may help support building a positive credit history.

If you’re unsure how a new card could affect your credit score, see our guide on what is a good credit score in the UK.

Mintip: Making payments on time and keeping balances low may help support a positive credit history. If you’re finding it difficult to manage existing debt, free and impartial help is available from organisations such as StepChange or MoneyHelper.

How do I know if I’m eligible for a 0% credit card?

Eligibility for a 0% credit card depends on your individual credit profile and financial circumstances. Lenders usually reserve the longest 0% periods and lowest fees for applicants with stronger credit histories and stable income. If your credit record shows responsible borrowing and on-time repayments, you may have access to more competitive offers.

You can use an eligibility checker to see which cards you’re likely to be approved for without affecting your credit score. For practical steps on improving your chances, read our guide on 9 habits that improve your credit card eligibility.

Do 0% purchase credit cards come with a fee?

Most 0% purchase credit cards do not charge an annual fee, but it’s important to check each provider’s terms before applying. Some cards include other costs such as balance transfer fees, cash withdrawal charges, or non-sterling transaction fees if you use the card abroad.

Always review the summary box and key information before activating a new card so you know what fees may apply. You can find a list of credit cards with no annual fees, or read our no annual fee credit cards guide to understand how these cards work and whether they might suit your needs.

Frequently asked questions about 0% purchase credit cards

Is a 0% purchase credit card worth it?

A 0% purchase credit card can be worthwhile if you repay the full balance before the 0% period ends, as this allows you to avoid paying interest. Always check that the repayments are affordable before applying.

Can I get a 0% purchase card with bad credit?

It may be more difficult, but some credit building cards offer short 0% purchase periods. Eligibility will vary by provider.

Will applying affect my credit score?

Using a soft-search eligibility checker will not affect your credit score. A full application involves a hard credit search, which may cause a small temporary change to your score.

How long is the longest 0% purchase offer?

Some cards offer up to 31 months interest-free on purchases. Offers can change and depend on your eligibility.

Can I use a purchase card abroad?

Yes, but check for non-sterling transaction fees. If you travel regularly, see our guide on credit cards with no foreign fees to understand more about how these cards work and to find cards that waive foreign-usage fees.

Can I make balance transfers with a purchase card?

Some do allow balance transfers, but not all. Terms, fees, and rates often differ from those for purchases. Always review the specific transfer fee and promotional period before deciding. If your goal is to move existing debt, a balance transfer card may be better value.

Key takeaways on 0% purchase cards

A 0% purchase credit card may help you manage larger expenses interest free if you can repay the balance within the promotional period. They’re best suited for planned, affordable purchases rather than ongoing borrowing.

Always make sure that you:

can afford the repayments.

pay at least the minimum monthly repayment on time.

clear your balance before the 0% period ends to avoid interest or fees.

understand what the APR is after the introductory periods end.

Check your eligibility with no impact on your credit score to compare offers and make an informed decision based on your individual circumstances.

Explore our full range of credit card guides or use free eligibility tools to see which cards you could qualify for.