If you're in the hunt for a new credit card, it makes sense to go for as low a rate as possible. In their quest for your business, many UK credit card issuers offer 0% deals on new purchases made on a credit card.
0% purchase credit cards are ideal if you want to spread the payment for a big purchase over a number of months. Provided you can pay back in full before the introductory period ends, this will allow you to benefit from the convenience of buying goods and services with a credit card, without incurring any interest charges. Some of the best 0% on purchases credit cards will offer you up to 12 months of interest free borrowing.
Figures from the BBA reveal credit cards remain popular for spending. In August 2010 there were 173 million card purchases, compared with 158 million in the previous August with the average transaction value of £64.
| Credit Card | Intro Rate For Balance Transfers |
Intro Rate For Purchases |
Representative APR (variable) |
Representative Example | |
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 Halifax All In One |
0% for 15 months (Fee: 3% - min £3) |
0% for 15 months | 17.9% |
Representative Example 17.9% representative APR variable 17.95% p.a. variable on purchase £1,200 credit limit |
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The APR and length of the promotional offer are dependent on your personal circumstances
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 Bank of Scotland Advantage |
0% for 13 months (Fee: 3% - min £3) |
0% for 13 months | 17.9% |
Representative Example 17.9% representative APR variable 17.95% p.a. variable on purchase £1,200 credit limit |
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To qualify you will need to have a Bank of Scotland Current Account which you pay £1,000 or more into each month or hold an Ultimate Reward Current Account.
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 NatWest YourPoints World |
0% for 13 months (Fee: 2.9% - min £5) |
0% for 13 months | 17.9% |
Representative Example Representative 17.9% APR (variable) based on an assumed credit limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable). |
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Introductory 2,500 bonus points to all new customers
Rewards: The card gives you one reward point for every £1 you spend. Bonus points are also gifted on a yearly basis thereafter. Points can be redeemed against flights, holidays, shopping vouchers and experiences and at retail outlets including Marks & Spencer, Boots, easyJet, Harvey Nichols and Amazon
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 RBS YourPoints World |
0% for 13 months (Fee: 2.9% - min £5) |
0% for 13 months | 17.9% |
Representative Example Representative 17.9% APR (variable) based on an assumed credit limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable). |
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Introductory 2,500 bonus points to all new customers
Rewards: The card gives you one reward point for every £1 you spend. Bonus points are also gifted on a yearly basis thereafter. Points can be redeemed against flights, holidays, shopping vouchers and experiences and at retail outlets including Marks & Spencer, Boots, easyJet, Harvey Nichols and Amazon
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 Virgin Retail |
0% for 13 months (Fee: 2.89%) |
0% for 13 months | 18.9% |
Representative Example 18.9% representative APR variable 18.9% p.a.variable on purchase £1,200 credit limit |
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 Bank of Scotland All In One |
0% for 12 months (Fee: 3% - min £3) |
0% for 12 months | 17.9% |
Representative Example 17.9% representative APR variable 17.95% p.a. variable on purchase £1,200 credit limit |
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 AA Credit Card |
0% for 12 months (Fee: 3% - min £3) |
0% for 10 months | 16.9% |
Representative Example 16.9% representative APR variable 16.9% p.a.variable on purchase £1,200 credit limit |
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Collect AA Rewards Points and exchange them for a range of motoring products and services
Rewards: Earn AA Reward Points every time you spend. Collect 1 AA point for every £1 you spend with double points on fuel and motoring purchases. Use your points to purchase from a range of motoring products and services
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 Play.comMBNA Europe Bank Limited
Stansfield House, Chester Business Park, Wrexham Road, Chester, CH4 9QQ |
0% for 6 months (Fee: 1.5% - min £3) |
0% for 9 months | 16.9% |
Representative Example 16.9% APR representative variable 16.9% p.a.variable on purchase £1,200 credit limit |
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Receive 1,500 bonus Play Points if you spend £150 on your card within the first 90 days
Suitable for homeowners with a good credit history, aged at least 23 and in full time employment
Rewards: Collect Play Points and redeem them for Play.com gift vouchers. Earn 2 points for every £1 you spend at Play.com and 1 point for every £1 you spend elsewhere
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 Lloyds TSB Advance |
4.9% for 12 months (Fee: 3%) |
0% for 6 months | 11.9% |
Representative Example 11.9% representative APR variable 11.95% p.a. variable on purchase £1,200 credit limit |
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 Virgin All Round |
0% for 16 months (Fee: 1.99% - min £3) |
0% for 6 months | 15.8% |
Representative Example 15.8% representative APR variable 15.8% p.a.variable on purchase £1,200 credit limit |
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 NatWest Platinum |
0% for 20 months (Fee: 2.9% - min £5) |
0% for 6 months | 17.9% |
Representative Example Representative 17.9% APR (variable) based on an assumed credit limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable)
In the Representative Example above we have used an assumed credit limit of £1,200. The actual credit limit assigned to individual accounts will vary depending on our credit assessment of you.
Pay 0% on balance transfers for 20 months (2.9% fee, min £5). This offer is only available online. Over 18s only. Minimum income to apply: £10k p.a. |
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1% off the APR for Advantage Gold customers
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 RBS PlatinumThe Royal Bank of Scotland plc.
36 St Andrew Square, Edinburgh, EN2 2YB |
0% for 20 months (Fee: 2.9% - min £5) |
0% for 6 months | 17.9% |
Representative Example Representative 17.9% APR (variable) based on an assumed credit limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable)
In the Representative Example above we have used an assumed credit limit of £1,200. The actual credit limit assigned to individual accounts will vary depending on our credit assessment of you.
Pay 0% on balance transfers for 20 months (2.9% fee, min £5). This offer is only available online. Over 18s only. Minimum income to apply: £10k p.a. |
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1% off the APR for Royalties Gold customers
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 Virgin |
0% for 20 months (Fee: 2.99%) |
0% for 3 months | 16.8% |
Representative Example 16.8% representative APR variable 16.8% p.a.variable on purchase £1,200 credit limit |
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Rewards: Cardholders can take advantage of exclusive instant savings across the Virgin group with discounted holidays, wine, gym membership, experience days and more
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 Halifax |
0% for 17 months (Fee: 3% - min £3) |
0% for 3 months | 16.9% |
Representative Example 16.9% representative APR variable 16.94% p.a. variable on purchase £1,200 credit limit |
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 Bank of Scotland Plus |
0% for 18 months (Fee: 3% - min £3) |
0% for 3 months | 16.9% |
Representative Example 16.9% representative APR variable 16.94% p.a. variable on purchase £1,200 credit limit |
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 Halifax |
0% for 20 months (Fee: 3% - min £3) |
0% for 3 months | 16.9% |
Representative Example 16.9% representative APR variable 16.94% p.a. variable on purchase £1,200 example credit limit |
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You must have an annual income of £20,000 or more to apply
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 Barclaycard PlatinumBarclays Bank PLC
1 Churchill Place, London, E14 5HP |
0% for 22 months (Fee: 3.2% ) |
0% for 3 months | 17.5% |
Representative Example 17.5% APR representative variable 17.5% p.a. variable on purchases £1,200 assumed credit limit |
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Refund offer which reduces the handling fee to equivalent of 2.9% for everyone
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 Barclaycard Platinum Balance Transfer |
0% for 24 months (Fee: 3.2%) |
0% for 3 months | 17.9% |
Representative Example 17.9% representative APR variable 17.9% p.a.variable on purchase £1,200 credit limit |
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Freeze your interest at 0% until 2014!
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 Lloyds TSB Platinum |
0% for 15 months (Fee: 3% ) |
0% for 3 months | 17.9% |
Representative Example 17.9% representative APR variable 17.95% p.a. variable on purchase £1,200 credit limit |
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 Halifax Balance Transfer |
0% for 22 months on balance transfers up to £3,000 (Fee: 3.5% - min £3.50) |
0% for 3 months | 17.9% |
Representative Example 17.9% APR representative variable 17.95% p.a. variable on purchases £1,200 assumed credit limit |
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You must have an annual income of £20,000 or more to apply
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 HSBC Bank |
0% for 23 months (Fee: 3.3% fee - min £5) |
0% for 3 months | 17.9% |
Representative Example 17.9% representative APR variable 17.9% p.a.variable on purchase £1,200 credit limit |
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This product is only available to existing HSBC customers
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 AA Balance Transfer |
0% for 16 months (Fee: 2.9%) |
0% for 3 months | 17.9% |
Representative Example 17.9% representative APR variable 17.9% p.a.variable on purchase £1,200 credit limit |
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Earn AA Rewards Points on all purchases plus double points on fuel and motoring spend
Rewards: Earn AA Reward Points every time you spend. Collect 1 AA point for every £1 you spend with double points on fuel and motoring purchases. Use your points to purchase from a range of motoring products and services
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