0% Purchase Credit Card Comparison

Q: Do cash withdrawals count as purchases?

Usually not. Cash withdrawals may attract a fee and interest from the transaction date, even while a purchase offer is active.

Q: Will checking my eligibility affect my credit score?

No. Eligibility checks use soft credit searches carried out by Experian and/or participating lenders. A soft search may appear on your own credit report, but it is not visible to other lenders and does not affect your credit score. If you apply, the lender may carry out a hard credit search.

Q: Are all purchase credit cards available here?

No. We compare a range of purchase credit cards from lenders and providers on our panel, but we do not compare every card available in the UK.

Q: What’s a representative APR?

A representative APR is an APR at or below which the lender reasonably expects at least 51% of credit agreements resulting from the promotion to be entered into. The APR you are offered may be different depending on your circumstances.

Q: Can I hold more than one credit card?

Yes. Some people use a purchase card alongside other cards, but applying for several in a short period can lead to multiple hard searches and may affect your credit score or future applications. Quotezone is a credit broker, not a lender. 0% purchase offers are available for a limited period and are subject to the lender’s terms and eligibility requirements. Before applying, check the length of any promotional period, the interest rate that will apply when it ends, any fees and charges and the repayment requirements. You can also compare travel credit cards, rewards credit cards, cashback credit cards and balance transfer credit cards, or browse all credit cards. About this online comparison service Quotezone provides this information only comparison service for credit cards. Our eligibility checker service uses a ‘soft credit search’, which will not harm your credit score, to show your likelihood of acceptance by the lender. Quotezone acts as a credit broker, not a lender, which means we show you and distribute products offered by a range of lenders. Quotezone does not offer advice or recommendation, so you must decide which product is right for you based on your needs. We do not charge you a fee for our service, but we will receive a payment, directly or indirectly, from the product provider if you select one from the product table (based on either a flat fee or a fixed percentage of the amount you borrow). The payment we receive does not influence the information we provide to you. You should check with your selected provider to find out what fees may be applicable to you. To apply you must be a UK resident and aged 18 and over. Credit is subject to status and eligibility. More information about our service can be found in our FAQs, Terms and Conditions and Privacy Policy.

Compare 0% purchase credit cards

Compare 0% purchase credit cards from UK providers on our panel
Check eligibility using a soft search that does not affect your credit score
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Illustration of a person holding credit cards, with icons for low APR, 0% purchases, rewards, balance transfers and fee-free spending abroad.

What is a 0% purchase credit card?

A 0% purchase credit card lets you spread the cost of new spending with no interest for a set introductory period. These interest-free deals can make larger purchases more manageable, provided you clear the balance before the 0% period ends. Our comparison shows purchase cards from UK providers on our panel, so you can compare the length of the 0% offer, the fees and the standard rate before you apply. Checking your eligibility uses a soft search that won’t affect your credit score.

What you need to consider when reviewing your purchase credit card options

Usage

Consider what you plan to buy, how much you expect to spend, and the monthly repayment you can afford. A purchase card should support a clear repayment plan rather than ongoing unaffordable borrowing.

Representative APR

The representative APR (Annual Percentage Rate) helps show the potential annual cost of borrowing outside a promotional period. The APR offered to you may differ and will depend on your circumstances.

Introductory Offers

Some cards offer 0% interest on new purchases for a limited period. Check when the offer begins, which transactions qualify, and the rate that applies after it ends.

Fees and Charges

Review annual fees, late-payment charges, cash-withdrawal costs, foreign-transaction fees, and any other charges in the card terms.

Rewards and Benefits

Some purchase cards also provide cashback, points, or purchase-related protections. Consider their value alongside the card’s borrowing costs and fees.

Eligibility

Each lender applies its own criteria. Income, credit history, existing borrowing, and recent applications may affect eligibility and the credit limit offered.

Purchase protection

Paying by credit card can add legal protection. Under Section 75 of the Consumer Credit Act 1974, purchases costing more than £100 and up to £30,000 make your card provider equally responsible with the retailer if something goes wrong.

How does the purchase credit card comparison process work?

Our comparison shows a range of purchase cards from UK lenders and providers on our panel, with transparent information about promotional periods, rates, fees, features, and eligibility before you apply.

Your Information

You will be asked for details about your circumstances, credit history, finances, and intended card use so that available results can be tailored.

We search our panel of lenders

Our panel includes UK banks, card issuers, and other credit providers. Experian and/or participating lenders assess your eligibility for cards available through our comparison service.

Personalised results

You can review purchase cards available through our panel, with an indication of acceptance likelihood where available. Eligibility checking uses a soft search carried out by Experian and/or participating lenders, and does not affect your credit score.

Apply with confidence

If you choose to apply, you will be taken to the lender’s website. The lender makes the final decision and may carry out a hard credit search.

What types of purchase credit cards can I compare?

Long 0% Purchase Cards

Purchase and Balance Transfer Cards

Low-Rate Purchase Cards

Rewards Purchase Cards

Purchase Cards with No Annual Fee

Worked example

Example: you buy a £1,200 sofa on a card offering 0% interest on purchases for 15 months. Repaying £80 a month clears the balance within the 15-month window, so you pay no interest. Anything left after the 0% period is charged at the card’s standard rate.

Tips that can help to increase the chances of being accepted for a purchase credit card

If you plan to spread the cost of new spending, a few checks before you apply can improve your chances of acceptance.

Credit Report

Check your credit report and correct any inaccurate information before applying.

Electoral Register

Make sure you are registered to vote at your current address where eligible.

Pay Your Bills

Pay bills and existing credit commitments on time.

Level of Borrowing

Keep borrowing manageable in relation to your income, especially if you plan to spread the cost of purchases.

Eligibility Checking

Using an eligibility checker before applying can help you understand your likelihood of acceptance. Soft searches do not affect your credit score.

How does a 0% purchase card work?

Qualifying purchases do not accrue interest during the promotional period, provided you follow the account terms and make at least the required minimum payment on time.

What happens when the 0% purchase period ends?

Any unpaid qualifying balance moves to the rate stated in the card terms. It may be useful to check that rate before applying and plan how you will repay any balance left when the offer expires. Paying only the minimum each month is unlikely to clear the balance before the offer ends — work out the monthly amount needed to repay it in full within the promotional period.

What is an interest-free credit card?

An interest-free credit card charges no interest on what you spend for a set introductory period — for purchases, this is often called a 0% purchase card. You still need to make at least the minimum payment each month, and interest applies at the standard rate on anything left once the 0% period ends.

Frequently asked questions

Do cash withdrawals count as purchases?

Will checking my eligibility affect my credit score?

Are all purchase credit cards available here?

What’s a representative APR?

Can I hold more than one credit card?

Quotezone is a credit broker, not a lender. 0% purchase offers are available for a limited period and are subject to the lender’s terms and eligibility requirements. Before applying, check the length of any promotional period, the interest rate that will apply when it ends, any fees and charges and the repayment requirements.

You can also compare travel credit cards, rewards credit cards, cashback credit cards and balance transfer credit cards, or browse all credit cards.

About this online comparison service

Quotezone provides this information only comparison service for credit cards. Our eligibility checker service uses a ‘soft credit search’, which will not harm your credit score, to show your likelihood of acceptance by the lender. Quotezone acts as a credit broker, not a lender, which means we show you and distribute products offered by a range of lenders.

Quotezone does not offer advice or recommendation, so you must decide which product is right for you based on your needs. We do not charge you a fee for our service, but we will receive a payment, directly or indirectly, from the product provider if you select one from the product table (based on either a flat fee or a fixed percentage of the amount you borrow). The payment we receive does not influence the information we provide to you. You should check with your selected provider to find out what fees may be applicable to you.

To apply you must be a UK resident and aged 18 and over. Credit is subject to status and eligibility.

More information about our service can be found in our FAQs, Terms and Conditions and Privacy Policy.