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Zero Interest On Purchases

Editors Choice - Top 5 Zero % Purchase Cards

Credit Card
Balance Transfers
Purchases
Typical APR
Rewards
 
Rate
Duration
Natwest
Platinum

Natwest Platinum
0%
22 months
0% for 6 months
17.95% APR
(variable)
N/A
0% on purchases for 22 months from account opening. Thereafter the standard annual rate for purchases will be 17.95% (variable). 0% on balance transfers for 13 months from account opening (3.2% fee, min £5) on any balances you transfer within 6 months of opening your account. Thereafter the standard annual rate for balance transfers will be 17.95% (variable).



Representative Example:

Representative 17.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable) based ona credit limit of £1,200.
Sainsburys
Nectar
Credit Card

Sainsburys Nectar Credit Card
0%
15 Months
0% for 6 Months
17.9% APR
(variable)
Earn Nectar Card points whenever you use your card.
0% for the first 6 months on purchases

0% for the first 15 months on balance transfers (3% BT fee)

Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Halifax All
In One

Halifax All In One
0%
15 Months
(3% admin fee)
0% for 15 months
17.9% APR
(variable)
n/a
0% for 15 months balance transfers (3% fee)

0% for first 15 months on all purchases

No annual fee

Representative Example:

Based on borrowing £1,200 and repaying over 12 months the representative rate is 17.9% APR (variable). The purchase rate is 17.95% pa (variable). Interest rates vary depending on our assessment of your circumstances.
Tesco Clubcard
Credit Card
Purchases

Tesco Clubcard Credit Card Purchases
0%
9 Months
0% for 16 months
16.95% APR
(variable)
Clubcard Points,
Special Clubcard
Deals and Bonuses,
Travel Rewards,
Tesco Petrol
Station Clubcard
Point Deals
* Representative example: When you spend £1,200 at a rate of 16.945% (variable) per annum, your Representative APR is 16.9% APR (variable).

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Compare all the 0% Purchase Cards, in Alphabetical Order

Credit Card
Balance Transfers
Purchases
Typical APR
Rewards
 
Rate
Duration
Barclaycard
Platinum
Balance
Transfer

Barclaycard Platinum Balance Transfer
0%
16 Months
(1.5% admin fee)
0% for 3 months
16.9% APR
(variable)
Free Mr. B Toy
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable).
Halifax All
In One

Halifax All In One
0%
15 Months
(3% admin fee)
0% for 15 months
17.9% APR
(variable)
n/a
0% for 15 months balance transfers (3% fee)

0% for first 15 months on all purchases

No annual fee

Representative Example:

Based on borrowing £1,200 and repaying over 12 months the representative rate is 17.9% APR (variable). The purchase rate is 17.95% pa (variable). Interest rates vary depending on our assessment of your circumstances.
Lloyds TSB
Platinum

Lloyds TSB Platinum
0%
21 Months
(3% admin fee)
0% for 3 months
17.9 % APR
(variable)
N/A
Manage your account online

Good credit rating required

Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable).
Natwest
Platinum

Natwest Platinum
0%
22 months
0% for 6 months
17.95% APR
(variable)
N/A
0% on purchases for 22 months from account opening. Thereafter the standard annual rate for purchases will be 17.95% (variable). 0% on balance transfers for 13 months from account opening (3.2% fee, min £5) on any balances you transfer within 6 months of opening your account. Thereafter the standard annual rate for balance transfers will be 17.95% (variable).



Representative Example:

Representative 17.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable) based ona credit limit of £1,200.
Post Office
Post Office
0%
14 Months
0% for 3 months
16.9% APR
(variable)
N/A
0% on balance transfers for the first 14 months and 2.98% balance transfer fee.

0% on purchases for the first 3 months

Dynamic Currency Conversion - To avoid fees when using your card abroad you can pay using the local currency.

Representative Example

Introductory rate of 0% purchases for the first 3 months and 16.9 % thereafter

Credit limit is subject to status

16.9% APR Representative (Variable)
Sainsburys
Nectar
Credit Card

Sainsburys Nectar Credit Card
0%
15 Months
0% for 6 Months
17.9% APR
(variable)
Earn Nectar Card points whenever you use your card.
0% for the first 6 months on purchases

0% for the first 15 months on balance transfers (3% BT fee)

Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Tesco Clubcard
Credit Card
Purchases

Tesco Clubcard Credit Card Purchases
0%
9 Months
0% for 16 months
16.95% APR
(variable)
Clubcard Points,
Special Clubcard
Deals and Bonuses,
Travel Rewards,
Tesco Petrol
Station Clubcard
Point Deals
* Representative example: When you spend £1,200 at a rate of 16.945% (variable) per annum, your Representative APR is 16.9% APR (variable).


Zero Interest Credit Cards

As the market for credit cards has become increasingly competitive it has become necessary for organisations that provide credit cards to offer increasingly better offers to potential customers in order to attract their custom. The most dominant offer in the last couple of years has been the increasing promotion of zero interest offers. This type of offer is particularly attractive to a potential customer as it effectively provides them with a loan facility with the perk of a zero interest period or interest free period.

Zero interest credit card offers take two forms, which we outline below:

Zero Interest on Purchases

Firstly there is the zero interest credit card offers which allow the holder of the card to make purchases with retailers using the card but then do not charge the card holder with interest on the credit card for a fixed period. Most credit cards do not charge the cardholder interest on purchases at the end of the month provided that the balance of the credit card has been paid off during the month. However with this offer the card providers extend that zero interest periods for a fixed number of months. Some card providers now provide up to nine months. This therefore is really an interest free loan. If the balance is not paid off within the interest free period then interest becomes chargeable on the balance at the end of that zero interest periods. As a general trend the longer the interest free period the higher the interest rate that is then applied when that zero interest offer for the credit card finishes.

Zero Interest Balance Transfers

This is the second very common zero interest offer that a large number of credit cards now offer to their holders. The cardholder is able to transfer the balance on a card they already hold and on which they may be paying interest to a new card that they have applied for. The new credit card then gives the cardholder a fixed period of time during which no monthly interest is charged on the balance of the card. Again this is like a temporary loan to the cardholder. However the credit card provider does then start to charge interest on the balance at the end of the zero interest periods. Some cardholders now offer long periods of time in there offer period. There are many examples of cads that offer 12 months zero interest offers to their customers. Some cards even offer lifetime balance transfers. One way these credit card providers still make money is by charging a fee for making the balance transfer from your previous credit card. This fee is commonly 2.5% at the time of writing but does vary between credit card providers.

The existence of so many credit cards that offer zero interest offers has led to the trend that has commonly become known as card surfing or credit card swapping. This is the trend where card holders switch to a new credit card shortly before the zero interest offer on their current card comes to an end. They transfer the balance and then enjoy a further interest free period and then do this again before that zero interest period ends. Read out article on credit card surfing to read a bit more on that topic.

Undoubtedly the ever increasing number of credit cards offering very attractive zero interest offers to their customers is likely to lead to an ever increasing number of people getting themselves into debt. This can be a bad thing if they do not carefully manage their debt. However such increasing levels of spending do help keep our economy in the UK growing and this is good for our society in general but debt must be managed if it is o be kept under control and unfortunately many people do get them selves into financial trouble if they do not manage that debt properly. For these reason anyone who has debt should learn about managing it and seek advice from qualified financial advisers where appropriate. There s also a lot of free advice and information available on the web. On this site we provide easy to use tables to assist the user in identifying financial products but it is your responsibility if you choose to go to the site of a financial product provider to ensure it is suitable for you.

Whether you are looking for zero interest credit cards offers yourself or is looking for other financial offers or products we hope you find this site useful to you.

Zero Interest Credit Cards are very difficult to find in todays commercialised world. With thousands of credit cards flooding the market daily, it is a daunting task to select the most appropriate card that will satisfy all your requirements. Our site, Ukfinancialoptions.co.uk, helps you in selecting and applying for the credit card that provides optimum benefits to you. With our credit card comparison chart, you can compare all the credit cards that provide zero percent interest rate. This page lists the credit cards based on their payment rates and almost all the credit cards on this list boast of zero percent interest payments.

Compare and select the finest Zero percent interest credit cards

Our all-inclusive credit card comparison list includes all the zero percent interest rate credit cards from various financial institutions available in the market today. Along with the interest rate of the credit cards, the list also contains the features of the respective credit cards. The comparison chart is presented in a tabular form aiding in the comparison of the credit cards based on its features. Morgan Stanley Fly and Buy card and Egg Credit Card are some of the credit cards in this listing of zero interest credit cards. Both these credit card companies are offering these cards at never before rates and with unbelievable features like zero percent interest rate on purchases as well as on balance transfers. With such incredible offers on the cards it is advisable to pick up the credit cards as soon as possible through us right away. Apply Now…


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