Best No Interest Purchase Credit Cards of 2025

According to our analysis of the market, the following cards stand out as objectively the best for certain criteria. The best card for you will depend on your individual situation and spending patterns.

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.

At the time of writing, two credit cards offered introductory 0% on purchases for as long as 23 months:

Note, the typical APR on these purchase credit cards (after the 0% introductory period ends) is 24.9% variable APR.

Best/Longest No Interest Credit Card: Barclaycard Purchases Card

The Barclaycard Platinum Purchase Card charges no interest on new spending and on balance transfers for managing existing debt for an introductory period. Main features are a longer-than-average 20-month 0% promotional period on purchases and up to 23 months on balance transfers, accompanied by a 2.95% fee on initial balance transfers made within the first 60 days.

Best/Longest No Interest Credit Card: MBNA 0% Transfer and Purchase Credit Card Mastercard

The MBNA 0% Transfer and Purchase Credit Card Mastercard charges no interest on new spending and on balance transfers for managing existing debt for an introductory period. Main features are a longer-than-average 20-month 0% promotional period on purchases and up to 23 months on balance transfers, accompanied by a 2.95% fee on initial balance transfers made within the first 60 days.

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 0 Purchase Cards with 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

The Tesco Bank Purchases card is another decent card for avoiding interest payments on upcoming purchases. Depending on your individual situation, you will receive a 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.

Best No Interest Card for Travel: Santander All-In-One Card

The Santander All-In-One Card is a solid option for travellers who can use a shorter 0% interest period on purchases and balance transfers of up to 15 months. Plus, as a Travel Card it doesn't charge non-sterling transaction fees when you spend abroad.

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.

Summary of Best 0% Purchase Credit Cards

Rates change regularly but use these as a guide; be sure to check terms of any card before you sign up as they may differ!

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! Eligibility checks are now widely available on most cards.