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Purchase Credit Cards

Finding a 0% interest purchase credit card will allow you to buy items and then pay them off over a period of time with no interest. 

Compared to the average interest rate of 18% a purchase credit card could save you £180 a year in interest on a £1000 bill.



Need to know

  • The term is the most important factor with these 0% interest purchase credit cards- pick the card that will give you enough time to pay it off interest free and then look at other rewards from there
  • A purchase credit card allows you to spread the cost of a big purchase with the safety of not having to pay interest if you can’t make the repayment in full
  • Make yourself a payment plan. If you spend £1600 and know you have 16 months interest free then make sure you are paying at least £100 a month



Purchase Credit Cards

A 0% interest purchase credit card will allow you to buy items and then pay them off over a period of time with no interest

Watch out! Four rules for all credit cards

  • Don’t use your credit card to withdraw cash unless you have to. Your credit card is VERY likely to have a high interest rate on any cash that you take out which you will start getting charged from the moment you withdraw it. There is also likely to be a withdrawal fee (we’ve only found a couple with no fees at all). These rates won’t be affected by another deal you might have
  • Look out for annual fees. The fees tend to be charged so you can access higher rates of cashback, airmiles or similar. If you’re not getting a superb deal that makes up for the fee then the cards are not worth applying for
  • Be careful! A lot of 0% or low interest credit cards will automatically set your direct debit amount very low each month so that at the end of the interest free period you end up with a large outstanding balance
  • If you don’t make the minimum monthly repayment then you may lose your deal

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