Best 0% Purchase Credit Cards UK 2025

By Rob Evans, EyeOnYourCredit.com

Updated: | Comparison Guide

Best balance transfer and purchase credit cards comparison UK — A 0% purchase card lets you buy now and spread the cost over many months without paying any interest.

A 0% purchase credit card is the most cost-effective way to finance a large planned purchase. Rather than taking out a personal loan or paying cash, you make the purchase on the card and repay it in monthly instalments during the promotional 0% period. As long as you clear the balance before the promotional period ends, you pay absolutely nothing in interest.

These cards are ideal for home improvements, furniture, holidays, or any significant purchase you know you can repay within one to two years. The key is to divide the total amount by the number of months in the promotional period and set up a direct debit for that exact amount each month.

Longest 0% Period

#1 Barclaycard Platinum Purchase Card

Up to 21 months at 0% on purchases

★★★★★

✓Up to 21 months 0% on purchases
✓No annual fee
✓Contactless and mobile payments
✓Barclaycard app with spending insights
✓Representative APR 24.9% variable after promo

Barclaycard Platinum offers one of the longest 0% purchase periods available in the UK. The 21-month window gives you ample time to spread the cost of a significant purchase without any interest charges.

Check Barclaycard Eligibility →

Best All-Rounder

#2 MBNA Purchase Card

Long 0% period with balance transfer option

★★★★★

✓Up to 20 months 0% on purchases
✓Balance transfer option available
✓No annual fee
✓Online account management
✓Representative APR 23.9% variable

MBNA's purchase card is a strong all-rounder that also offers a balance transfer option if needed. This dual functionality makes it a versatile card for managing your overall finances.

Check MBNA Eligibility →

Best for Rewards

#3 American Express Platinum Cashback Everyday

Earn cashback on every purchase

★★★★★

✓5% cashback in first 3 months (up to £100)
✓0.5% cashback thereafter
✓No annual fee
✓Purchase protection included
✓Representative APR 30.7% variable

If you plan to clear your balance in full each month, the Amex Platinum Cashback Everyday card turns every purchase into a small financial reward. The 5% introductory cashback rate is particularly generous for the first three months.

Check Amex Eligibility →

Best for Fair Credit

#4 Aqua Advance Card

Purchase card for those rebuilding credit

★★★★★

✓Available to those with limited credit history
✓0% on purchases for 4 months
✓Automatic credit limit reviews
✓Free credit score tracker
✓Representative APR 34.9% variable

Most long 0% purchase cards require a good credit score. Aqua's Advance card provides a shorter 0% purchase window for those who are still rebuilding their credit profile, offering a stepping stone to better products.

Check Aqua Eligibility →

Which credit card type is right for you infographic — Understanding the difference between purchase cards and balance transfer cards helps you choose the right product.

Check Your Credit Score First

Before applying for any product, check your credit score to see which deals you are most likely to be accepted for.

CHECK YOUR CREDIT SCORE NOW

*Secure, 256-bit encrypted connection. Checking does not affect your score.

Disclosure: This page contains affiliate links. We may receive a commission when you click through and apply for a product. This does not affect our editorial independence. Product information is accurate at time of publication but rates and terms change frequently. Always verify current terms on the provider's website before applying.

Best 0% Purchase Credit Cards in the UK

Spread the cost of big purchases completely interest-free for up to two years.

Best 0% Purchase Credit Cards in the UK

#1 Barclaycard Platinum Purchase Card

#2 MBNA Purchase Card

#3 American Express Platinum Cashback Everyday

#4 Aqua Advance Card