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M&S Shopping Plus Credit Card

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0% Purchase offer duration
24 mths
Representative % APR (variable)
21.9% APR

Representative Example

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If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

MBNA Dual 0% Transfer and Purchase Credit Card

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0% Purchase offer duration
22 mths
Representative % APR (variable)
21.9% APR

Representative Example

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If you spend £1,200 at a purchase interest rate of 21.94% p.a. (variable) your representative APR will be 21.9% APR (variable)

HSBC Purchase Plus Credit Card

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0% Purchase offer duration
20 mths
Representative % APR (variable)
23.9% APR

Representative Example

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If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) your representative APR will be 23.9% APR (variable)

Virgin Money 16 Month All Round Card - Guaranteed 22.9% APR

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0% Purchase offer duration
16 mths
Representative % APR (variable)
22.9% APR

Representative Example

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If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) your representative APR will be 22.9% APR (variable)

Tesco Bank 14 Month Purchase Credit Card

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0% Purchase offer duration
14 mths
Representative % APR (variable)
19.9% APR

Representative Example

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If you spend £1,200 at a purchase interest rate of 19.94% p.a. (variable) your representative APR will be 19.9% APR (variable)

Virgin Money 14 Month All Round Card - Guaranteed 26.9% APR

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0% Purchase offer duration
14 mths
Representative % APR (variable)
26.9% APR

Representative Example

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If you spend £1,200 at a purchase interest rate of 26.9% p.a. (variable) your representative APR will be 26.9% APR (variable)

M&S Bank Reward Plus Credit Card

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0% Purchase offer duration
12 mths
Representative % APR (variable)
21.9% APR

Representative Example

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If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

Virgin Money 12 Month All Round Credit Card - Guaranteed 29.9% APR

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0% Purchase offer duration
12 mths
Representative % APR (variable)
29.9% APR

Representative Example

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If you spend £1,200 at a purchase interest rate of 29.9% p.a. (variable) your representative APR will be 29.9% APR (variable)

Virgin Money 12 Month All Round Card - Guaranteed 29.9% APR

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0% Purchase offer duration
12 mths
Representative % APR (variable)
29.9% APR

Representative Example

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If you spend £1,200 at a purchase interest rate of 29.9% p.a. (variable) your representative APR will be 29.9% APR (variable)

Virgin Money Travel Credit Card - Guaranteed 22.9% APR

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0% Purchase offer duration
9 mths
Representative % APR (variable)
22.9% APR

Representative Example

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If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) your representative APR will be 22.9% APR (variable)

Virgin Money Travel Credit Card - Guaranteed 26.9% APR

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0% Purchase offer duration
9 mths
Representative % APR (variable)
26.9% APR

Representative Example

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If you spend £1,200 at a purchase interest rate of 26.9% p.a. (variable) your representative APR will be 26.9% APR (variable)

Virgin Money 9 Month All Round Credit Card - Guaranteed 29.9% APR

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0% Purchase offer duration
9 mths
Representative % APR (variable)
29.9% APR

Representative Example

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If you spend £1,200 at a purchase interest rate of 29.9% p.a. (variable) your representative APR will be 29.9% APR (variable)

Virgin Money Travel Credit Card - Guaranteed 29.9% APR

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0% Purchase offer duration
9 mths
Representative % APR (variable)
29.9% APR

Representative Example

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If you spend £1,200 at a purchase interest rate of 29.9% p.a. (variable) your representative APR will be 29.9% APR (variable)

Capital One Complete Card

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0% Purchase offer duration
4 mths
Representative % APR (variable)
34.9% APR

Representative Example

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If you spend £1,200 at a purchase interest rate of 34.94% p.a. (variable) your representative APR will be 34.9% APR (variable)

Virgin Money 12 Month Balance Transfer Card - Guaranteed 22.9% APR

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0% Purchase offer duration
3 mths
Representative % APR (variable)
22.9% APR

Representative Example

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If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) your representative APR will be 22.9% APR (variable)

Showing 15 of 26 Cards

What are the different types of credit card?

You can find out more information about the different types of credit card in our guide

What does ’pre-approved’ mean?

If you are pre-approved, this means that you will get the card or loan, at the rate advertised, providing the information you give us in accurate and you pass the lender’s final checks, which include fraud and responsible lending safeguards

Exclusive Offer

Exclusive to the TotallyMoney comparison platform. This offer may appear on sites that we power or advertise through.

Pre-population

When you click to go to a lender we may pass over your details to help speed up the application process

Can’t see a particular card?

We frequently update our product offering meaning the cards shown on this table may change. If you can’t find what you are looking for, this may be because we have recently updated our table and removed a particular product.

What is a 0% purchase card?

If you’re planning a major purchase, a 0% purchase credit card is the cheapest way to borrow. These cards offer an interest-free period during which you can spread the cost of larger purchases.

Providing you can pay the entire balance back before the interest-free period ends, a 0% purchase card can be an unrivalled addition to your wallet.

Aside from taking advantage of the interest rate offers available, 0% purchase cards offer free consumer protection: Under Section 75, the credit card company is jointly liable with the supplier for any failed goods and services between £100 and £30,000 – making a 0% purchase card a useful tool when online shopping.

Is a 0% purchase card right for me?

For larger purchases, such as annual season tickets, 0% purchase cards make an ideal choice. However, existing debts or uncleared balances can quickly wipe out the benefits of these cards. Read this to find out if a 0% purchase card is right for you:

  • Can you afford to clear the debt quickly? If you know you can repay for larger purchases within the card’s interest free period, a 0% purchase card is ideal for you.

  • Do you have a good credit score? Each lender has their own criteria, but if you are starting to build up your credit history you could struggle to get a 0% purchase card. Our credit comparison tool will find out if there are any deals you may be accepted for, without harming your credit rating.

  • Do you have existing credit card debts? If you’re currently paying interest on an existing card, it’s most likely that your best option is to transfer your debt to a 0% balance transfer card. Check out our best balance transfer cards here.

Golden rules for 0% purchase cards
  • Check before you transfer a balance: If you transfer an existing credit card balance to a 0% purchase card, you may find yourself being charged interest. Check your deal carefully to see if the 0% is for balance transfers as well as purchases. It pays to read the full terms and conditions.

  • Ensure your borrowing stays free: If you miss a payment, or are late making a payment, you may incur a financial penalty. Combat this by setting up a direct debit to cover at least the minimum repayment each month.

  • Understand your minimum payments: The amount you repay each month on a 0% purchase card is not decided according to your interest rate. Instead, you have a lot more control over your payments. You can opt to either pay the minimum or you can ask to repay a set amount each month. If there is a chance that the minimum payment will be higher than your current credit card, make sure you can afford it.

  • Never outstay your welcome: Be aware that the 0% interest on your card is only for a limited time. It’s worth making a note of this date in your phone or diary. When it runs out, any remaining balance will start incurring interest at a usually uncompetitive rate. Clearing your balance before the 0% period runs out is highly recommended.

In the event that you can’t clear your balance in time, switch the debt to a new balance transfer card. Just ensure you allow enough time for the application to be processed. Start shopping around for a new card at least a month before your 0% interest offer runs out – our free credit card comparison tool can help.

We're on a mission to help everyone move their finances forward and gain financial momentum.


TotallyMoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Trading Address and Registered Office: Chapter House, 16 Brunswick Place, London N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.

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