Best No Interest Purchase Credit Cards of 2023

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.

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

  • 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

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.

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

Consider this if you want one of the longest 0 purchases periods.
  • Purchase Rate (variable)
    • 19.9
    • 0% on Purchases for up to
      • up to 30 months
      • 0% on Balance Transfers for up to
        • 6 months
        • Initial Balance Transfer Fee
          • 3%
          • FX Fee
            • 2.95%
            • Cash Fee
              • 3% (min £3)

              Note: The Halifax Purchase Offer is currently unavailable to new applicants.

              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 20 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 Nectar Credit Card

              Consider this if you want one of the longest purchases periods.
              • Purchase Rate (variable)
                • 22.9%
                • 0% on Purchases for up to
                  • up to 6 months
                  • 0% on Balance Transfers for up to
                    • up to 6 months
                    • Initial Balance Transfer Fee
                      • 3%
                      • FX Fee
                        • 2.75%
                        • Cash Fee
                          • 3% (min £3)

                          The Sainsbury's Nectar Credit Card is currently offering one of the longest interest-free period on purchases, at up to 6 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 3% for up to 6 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 6 months at 0%.

                          Pros
                          • Long 0% promotional period for purchases
                          • Earn 3 Nectar points for every £1 spent at Sainsbury’s when you use this card and swipe your Nectar card
                          • Earn 1 Nectar point for every £5 spent outside Sainsbury’s
                          • Welcome Bonus: Collect 8,000 bonus points when you use your card to spend a total of £400 or more at Sainsbury’s, Argos or Tu Clothing during the 2 months after your account is opened.
                          Cons
                          • May get a shorter promotional period

                          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.
                          • Purchase Rate (variable)
                            • 23.9%
                            • 0% on Purchases for up to
                              • up to 17 months
                              • 0% on Balance Transfers for up to
                                • up to 17 months
                                • Initial Balance Transfer Fee
                                  • 2.99%
                                  • FX Fee
                                    • 2.95%
                                    • Cash Fee
                                      • 3% (min £3)

                                      The Halifax Credit Card is their longest 0% promotional period for both purchases and balance transfers. The balance transfer offer applies to transfers within the first 90 days. The balance transfer fee during this 90-day period is 2.99% (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.
                                      • Purchase Rate (variable)
                                        • 21.9%
                                        • 0% on Purchases for up to
                                          • 23 months
                                          • 0% on Balance Transfers for up to
                                            • 23 months
                                            • Initial Balance Transfer Fee
                                              • 2.9%
                                              • FX Fee
                                                • 2.99%
                                                • Cash Fee
                                                  • 5%

                                                  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 0% period on purchases but the fee may be a bit higher than the competition—rates vary continually. 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 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 no-interest period.

                                                  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.
                                                  • Purchase Rate (variable)
                                                    • 21.9%
                                                    • 0% on Purchases for up to
                                                      • up to 24 months
                                                      • 0% on Balance Transfers for up to
                                                        • up to 22 months
                                                        • Initial Balance Transfer Fee
                                                          • 2.9%
                                                          • FX Fee
                                                            • 2.99%
                                                            • Cash Fee
                                                              • 2.99%, min £2.99 sterling only)

                                                              The Barclaycard Platinum All-Rounder Card gives cardholders a relatively long promotional period of no-interest on purchases. As an all-around card, it offers a 0% interest period on balance transfers as well, with a 2.9% 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.
                                                              • Purchase Rate (variable)
                                                                • 22.9%
                                                                • 0% on Purchases for up to
                                                                  • up to 14 months
                                                                  • FX Fee
                                                                    • 2.75%
                                                                    • Cash Fee
                                                                      • 3.99% (min £3)

                                                                      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.

                                                                      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 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.
                                                                      • Purchase Rate (variable)
                                                                        • 21.9%
                                                                        • 0% on Purchases for up to
                                                                          • 12 months
                                                                          • 0% on Balance Transfers for up to
                                                                            • 12 months
                                                                            • Initial Balance Transfer Fee
                                                                              • 0%
                                                                              • FX Fee
                                                                                • none
                                                                                • Cash Fee
                                                                                  • 5%

                                                                                  Virgin Money's Travel Card is a solid option for travellers who can need a shorter 0% interest period 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

                                                                                  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!

                                                                                  Best For...Card0% for...Purchase APR (variable) after 0% Period Ends
                                                                                  LongestHalifax Credit Cardup to 30 months19.9
                                                                                  Sainsbury's Purchaseup to 20 months20.9%
                                                                                  Virgin Money28 months21.9%
                                                                                  Balance Transfers and PurchasesHalifax Credit Cardup to 17 months23.9%
                                                                                  Virgin Money All Around23 months21.9%

                                                                                  ^^^

                                                                                  Barclaycard All-Rounderup to 24 months21.9%

                                                                                  Rewards
                                                                                  Tesco Purchases Cardup to 14 months22.9%
                                                                                  Sainsbury's Purchases Cardup to 20 months20.9%
                                                                                  TravelBarclaycard Platinum Travel Cardup to 12 months21.9%
                                                                                  Virgin Money Travel Card12 months21.9%

                                                                                  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
                                                                                  Erin Yurday

                                                                                  Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.

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                                                                                  The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.