Best No Interest Purchase Credit Cards of 2018

We’ve analysed dozens of 0 purchase offers to find the best deals with the longest time with no interest on purchases. Check out our recommendations, which we tailored to specific categories and consumer needs. In each, we identify a few purchase offers based on the best features. If you're not sure where to start check out our 0 purchases guide.

Credit Cards
  • Learning
    How Does a 0 Purchases Credit Card Work?
  • Comparing
    Summary of the Best 0 Purchases Credit Cards
  • Choosing
    How To Pick a 0 Purchases Credit Card for You

Best/Longest 0% Interest Credit Cards for Purchases

Purchase credit cards with a 0% interest period are great for consumers that may not be able to immediately pay off purchases, whether big or small. By spreading out the cost of purchases over the no-interest intro period, cardholders can take their time to pay back purchases without racking up any interest charges.

We took a look at the 0% interest credit cards in the market and have made a list of some of the best. In our analysis, we considered the length of the 0% purchase period (i.e., how many months interest is waived on new purchases) as well as other features like rewards and travel use. Below is a selection of the longest purchase offers in the market.

Best/Longest No Interest Credit Card: Halifax Credit Card Purchase Offer

Consider this if you want one of the longest 0 purchases periods.

The Halifax Credit Card sports one of the longest 0% purchases offers, with a promotional period up to 30 months of no interest on purchases, ideal for those needing as long as possible to spread out the cost of any upcoming purchases. An offer of up to 30 months of waived interest is a market leading offer, however those with weaker credit files may only receive a shorter no-interest promotional period. Halifax does offer an eligibility checker to see your odds of being accepted. If you want a card that guarantees a long purchase period, and doesn't reduce the length of the promotional period for those with lower credit score, you may want to consider the Sainsbury's Purchases card, just below, and the Virgin Purchases card—these cards offer up to 28 months and 28 months 0% periods, respectively, to all successful applicants.

Pros
  • Long 0% promotional period for purchases
  • Eligibility checker
Cons
  • May get a shorter promotional period

Best/Longest No Interest Credit Card: Sainsbury's Purchase Credit Card

Consider this if you want one of the longest purchases periods.

The Sainsbury's Purchase Credit Card is currently offering one of the longest interest-free period on purchases, at up to 28 months, in order to spread the cost of your purchases without incurring any interest charges. In addition to the long interest-free period, cardholders can earn solid 1% rewards on their Sainsbury's shopping and fuel. You will earn Nectar points on other spending, but those rewards are barely worth mentioning, estimated at 0.1%. While this card also offers balance transfer functionality, this is not where the card shines; the balance transfer fee is high at 2.89% for 18 months. If you are primarily interested in a balance transfer there are better offers available. If you need a purchases card, the Sainsbury's Purchase card is often the best and longest offer available, with the added benefit of earning Nectar points on purchases. Unlike some other cards, if you are accepted you will receive the full up to 28 months at 0%.

Pros
  • Long 0% promotional period for purchases
  • Earn 2 Nectar points for every £1 spent at Sainsbury’s
  • Earn 1 Nectar point for every £5 spent outside Sainsbury’s
  • Welcome Bonus: 1,000 Nectar points each time you spend £40 or more at Sainsbury's with your card, up to 10 times in the first 2 months.
Cons
  • May get a shorter promotional period

Best/Longest No Interest Credit Card: Virgin Money Purchase Credit Card

Consider this if you want a guaranteed long 0 purchases period.

The Virgin Money 28 months Purchase card is Virgin's longest no-interest on purchases offering. Those needing a breather on both new spending and on existing debt can use this card for balance transfers, too. The balance transfer fee is a competitive 2% in the first 60 days. While other Virgin Money cards offer a better balance transfer deal, those whose priority is relief on upcoming purchases (as opposed to managing existing credit card debt) will find more value on Virgin's 28 months Purchase card. It all depends on your individual needs. One feature we love about the Virgin Money cards is their Card Checker tool, which is a quick way to see your odds of being accepted before you submit an application. Card Checker uses a soft credit search, which won't adversely affect your credit rating. Unlike some other cards, if you are accepted you will receive the full 28 months at 0% on purchases.

Pros
  • Long 0% promotional period for purchases
  • Should get the full promotional period, if accepted
Cons
  • Shorter time to make any initial balance transfers

Best 0% Interest Credit Cards for Purchases AND Balance Transfers

If you don’t want to pay interest on existing debt as well as upcoming purchases, you may be interested in an all-around card with interest relief on both balance transfers and purchases. You'll pay a higher balance transfer fee for one of these "all-around" cards, however. If your priority is a balance transfer, lower transfer fees can be found on specialist balance transfer cards. Before deciding which card is best for you, carefully consider which features you truly need so that you're not overpaying on fees.

Best Card for No Interest Purchases and Balance Transfers: Halifax Credit Card Purchase & Balance Transfer

Consider this if you don't want to pay interest on existing credit card balances and new purchases.

The Halifax Credit Card is their longest 0% promotional period for both purchases and balance transfers, lasting up to 29 months. The balance transfer offer applies to transfers within the first 90 days. The balance transfer fee during this 90-day period is 2.5% (later reverting to 3%). Anyone with a Halifax card already can apply for a second Halifax Credit Card, subject to the following conditions regarding the Lloyds Banking Group (which also includes Bank of Scotland and Lloyds Bank):

You can apply for a second Halifax card if...
Your existing card with Lloyds Banking Group isn't a Student Card
You aren't applying within 60 days of having opened your first credit card with the Lloyds Banking Group
You will have at most two credit cards with Halifax, and at most five with Lloyds Banking Group
Pros
  • Long 0% promotional period for purchases and balance transfers
  • More time to make initial balance transfers
Cons
  • Slightly higher balance transfer fee
  • May get a shorter promotional period

Best Card for Purchases and Balance Transfers: Virgin Money All Around

Consider this if you don't want to pay interest on existing credit card balances and new purchases.

Virgin Money's All Around credit card is one of the best deals in the market for those needing both a balance transfer to manage existing debt and a 0% interest period to keep costs low on new purchases. The All Around card offers a long 30-month 0% period on purchases but the 2.9% fee on 30-month balance transfers is a bit higher than the competition. Those just needing relief of new purchases (and don't have existing debt) will find more value with the card listed above, the Virgin Money up to 29 months Month Purchase card. One thing we love about the Virgin Money cards is the Card Checker tool, which uses a soft credit check to give you your odds of being accepted before you submit an application. Using the Card Checker eligibility tool won't adversely affect your credit rating. Unlike some other cards, if Virgin Money accepts your application you will receive the full 30 months.

Pros
  • Long 0% promotional period for purchases and balance transfers
  • Should get the full promotional period, if accepted
Cons
  • Shorter time to make initial balance transfers
  • Higher balance transfer fee

Best Card for Purchases and Balance Transfers: Barclaycard All-Rounder Card

Consider this if you don't want to pay interest on existing credit card balances and new purchases.

The Barclaycard Platinum All-Rounder Card gives cardholders a 27-month promotional period of no-interest on purchases. As an all-around card, it offers a 27-month 0% interest period on balance transfers as well, with a 1.45% balance transfer fee, for transfers made in the first 60 days. If you're in the market for just one card to handle both existing and future debt, this card is hard to beat, due to the lower fee. Barclaycard offers a free pre-eligibility check which indicates how likely you are to be accepted *before* starting the application process.

The Barclaycard Platinum card is suitable for those who...
Are aged 21 or overHaven't had any IVAs, CCJs, or declared bankruptcy in the past six years
Always make payments on timeHave at least four years' experience of managing credit
Have had a permanent UK address for at least three monthsHave a personal income of more than £20,000 per annum
Can afford repayments on any outstanding credit commitments
Pros
  • Long 0% promotional period for purchases and balance transfers
  • Relatively low balance transfer fee
Cons
  • Shorter time to make initial balance transfers
  • May get a shorter promotional period

Best 0 Purchase Cards with Travel & Rewards Perks

If you’re planning to travel overseas soon, you may want to consider a purchases card that also doubles as a travel card that doesn't charge extra for overseas use. (Typically, most credit cards charge you a 3% FX fee on overseas transactions.) The 0 purchases period is typically shorter on these no-FX-fee cards, so you’ll need to decide if the trade off is right for you.

Best No Interest Card for Rewards: Tesco Bank Purchases Card

Consider this if you want to earn rewards on a store card, whilst paying no interest on purchases.

The Tesco Bank Purchases card is another decent card for avoiding interest payments on upcoming purchases. Depending on your individual situation, you will receive up to 28 months months of 0% interest on purchases. A small added perk is that you will continue to earn Tesco Clubcard points even during your 0% interest period, so long as you keep up with your minimum monthly payments. Cardholders will earn rewards rates around 0.25% on Tesco spend and 0.125% outside Tesco—not great rewards but better than nothing.

Pros
  • Earn 1 Clubcard point for every £4 spent at Tesco
  • Earn 1 Clubcard point for every £8 spend elsewhere
Cons
  • Shorter purchases promotional period
  • No welcome bonus

Best No Interest Card for Rewards: Sainsbury's Purchase Credit Card

Consider this if you want one of the longest purchases periods.

Also discussed in the first section for Longest Purchase Cards, the Sainsbury's Purchase Credit Card has another benefit—cardholders can earn a solid 1% rewards rate through Nectar rewards on their Sainsbury's shopping and fuel. Even though promotional periods change regularly, this card is usually one of the longest interest-free purchases offers, currently at up to 28 months. Unlike some other cards, if you are accepted you will receive the full up to 28 months at 0%.

Pros
  • Earn 2 Nectar points for every £1 spent at Sainsbury’s
  • Earn 1 Nectar point for every £5 spent outside Sainsbury’s
  • Welcome Bonus: 1,000 Nectar points each time you spend £40 or more at Sainsbury's with your card, up to 10 times in the first 2 months.
Cons
  • Shorter purchases promotional period

Best No Interest Purchase Card for Travel: Barclaycard Platinum Travel Credit Card

Consider this if you want a promotional period on purchases plus you don't want to pay fees when you use your card overseas.

The Barclaycard Platinum Travel Credit Card is one of the best travel cards, because you won't be charged any FX fees when you use the card abroad, plus you can withdraw foreign currency cash from ATMs abroad without incurring fees from Barclays (although the ATM might charge a fee) and you won't be charged any interest on foreign cash withdrawals, so long as the balance is paid off in full, and on time by the next due date. This detail gives you up to 56 days interest free (from the date of withdrawal until your next statement date). This grace period does not apply to sterling cash withdrawals, however. It is important to note that the Barclaycard Travel card's current "no non-sterling transaction fees on your foreign spend and ATM withdrawals abroad" promotion ends on 31 August 2022, but it could be extended (as it was in 2018). You may also benefit from the card's 12-month 0% promotional period on purchases.

Pros
  • No fees on non-sterling ATM withdrawals or transactions abroad (Fees increase after 31 August 2022)
  • No interest charges on non-sterling cash withdrawals, if balance paid off in full and on time
  • Eligibility checker
Cons
  • Shorter purchases promotional period

Best No Interest Card for Travel: Virgin Money Travel Card

Consider this if want to use your card abroad when you travel, plus promotional periods on purchases and balance transfers.

Virgin Money's Travel Card is a solid option for travellers who can cope with only 12 months of no interest on purchases and balance transfers. Plus, as a Travel Card it doesn't charge non-sterling transaction fees when you spend abroad. If you are approved for this credit card, you should get the full 0% interest duration advertised; Virgin does not give shorter promotional periods to some customers. Virgin's Card Checker eligibility checker will tell you how likely it is that you will be accepted, before you apply.

Pros
  • No FX fees when used abroad (but there is a 5% non-sterling cash withdrawal fee)
  • If approved, you get the full 12-months of no-interest
Cons
  • Shorter 60-day window to make initial balance transfers
  • Shorter 0% purchases period

0% Interest Purchase Card Explained

A 0% interest purchase card can be useful to spread out the cost of upcoming purchases, without the added cost of interest payments. 0% purchase cards all offer an intro period in which no interest is charged. This period can range from just a few months up to 28 to 30 months on the longest-duration 0% purchase cards. Once the 0% intro period is over, your account will be charged interest on any remaining balances, at your ongoing purchase rate. This purchase APR is typically above 18.9%.

Many purchase cards also offer 0% interest on balances transferred during the first 60 or 90 days, depending on the card. That means you can transfer any existing debt from a high-interest card to a 0% interest card. There is a fee each time you transfer a balance, so be sure to compare fees if you're interested in a balance transfer. Balance transfer fees will be higher on cards with a long 0% purchases feature.

Be Aware

Be very careful to always pay at least your minimum monthly payment on time and stay within your credit limit. Missing a payment or exceeding the credit limit will bring your 0% promotional period to a premature end, with the interest rate reverting to your stated purchases (or balance transfer) rate. Instead of paying 0% you'll be paying 18.9%, or more.

No interest doesn't mean no payments. You will still need to make monthly payments on a 0% interest purchases card. The minimum monthly payment will vary by card - each issuer has their own terms - but usually the minimum monthly payment will be something like 1% to 2% of the balance, plus any default charges or fees. Often there is a minimum imposed on this calculation, perhaps £5 or £25. A higher minimum can be a good thing as you'll pay down your balance sooner.

Remember to keep track of any new balance that accumulate on a 0% purchases card. Ideally you should pay off your whole balance during the 0% interest period. Any balances left at the end of this period will start accumulating interest charges every month at the stated purchases rate, which is likely to be 18.9% or higher. (While some people assume they can move any outstanding purchases to a 0% balance transfer card, this strategy may have negative implications on your credit score. Additionally, you're just prolonging the time until you're debt free.)

How Much Can I Save with a Purchases Card?

Imagine you have a big upcoming purchase of £1,000 that you will charge to a credit card and slowly pay off over two years. By putting that purchase on a regular credit card, you will incur monthly interest charges that are a direct function of the interest rate on your card. Let's say the interest rate on your existing card is 18.9%, for example, and you can manage to pay the credit card company £50 a month (more than a minimum payment would be). By the end of two years your original £1,000 purchase would be paid off, but you would have paid £188 in interest charges along the way.

The savings you can make on a purchases card are even more pronounced the higher the interest rate on your current credit card, as you can see in the chart below.

A graph showing the interest savings achieved on a 0% purchases credit card vs. Credit Cards with interest rates of 18.9%, 29.9%, and 39.9%
How Much Interest can you Save with a 0% Purchases Card?

Summary of Best 0% Purchase Credit Cards

Best For...Card0% for...Purchase APR (variable) after 0% Period Ends
LongestHalifax Credit Cardup to 30 months18.9%
Sainsbury's Purchaseup to 28 months18.9%
Virgin Money28 months19.9%
Balance Transfers and PurchasesHalifax Credit Cardup to 29 months18.9%
Virgin Money All Around30 months18.9%

^^^

Barclaycard All-Rounderup to 27 months19.9%

Rewards
Tesco Purchases Cardup to 28 months18.9%
Sainsbury's Purchases Cardup to 28 months18.9%
TravelBarclaycard Platinum Travel Cardup to 12 months19.9%
Virgin Money Travel Card12 months19.9%

How To Choose a 0% Interest Purchase Credit Card for You

Picking a purchases card for your needs will depend on a few factors. First, consider how long you want interest waived for. The long-duration purchase card offers will give between 25 and 30 months with no interest charges. If you also need a balance transfer in order to manage your existing debts, then look for a purchases card with a suitable balance transfer offer (i.e., a low transfer fee and a 0% period of an appropriate length for you to pay down the balance). Do be aware that balance transfer fees are higher on cards that give you a long 0% period on both purchases and balance transfers. If you have a weaker credit history and aren't sure of your odds of being accepted to a card, you may want to complete a card's pre-application eligibility check.

Which Purchase Credit Cards Offer a Pre-Application Eligibility Check?

Pre-application eligibility checks can help you avoid an unnecessary hard search on your credit record. These pre-application checks are carried out using a "soft" credit check, which won't leave a mark on your credit file and can be useful to find out your odds of acceptance before you submit an application. If you decide to submit an application, the card company will perform a hard search, which will leave a mark on your credit record. Hard checks are fine so long as you are accepted for the card you're applying for!

0% Purchases CardPre-Application Eligibility Checker?
Asda MoneyYes
Sainsbury's BankNo
Virgin MoneyYes ("Card Checker")
Barclaycard Platinum PurchasesYes ("Eligibility Checker")
Halifax Credit CardYes
Santander EverydayNo
Tesco 28 MonthNo