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Luma Credit Card
Most Popular
Luma Credit Card

Cost for balance transfers (%)   3%

Annual cost   £0

Purchase Free Period   3 months

Representative APR   35.9 %

Representative Example: The standard interest rate on purchases is p.a., so if you borrow £1,200 the Representative APR will be 35.9 %APR. 0 annual fee.

Do you Qualify?

 

  • UK Resident – Yes
  • Minimum Age – 18 years old
  • Employment Status -  Not specified 

Important information 

 

  • Access your account anywhere, anytime. Add additional cardholders
  • Credit limits up to £4000 for people who are looking to improve their current credit rating
  • You have experience managing credit – even if you’ve had CCJs or defaults in the past
Marbles Credit Card
Marbles Credit Card

Cost for balance transfers (%)   2.52%

Annual cost   £0

Purchase Free Period   Marbles may make promotional offers from time to time

Representative APR   34.9%

Representative Example: The standard interest rate on purchases is 34.95%p.a., so if you borrow £1,200 the Representative APR will be 34.9%APR. £0 annual fee.

Do I Qualify?

 

  • Must be a UK resident
  • Minimum Age – 18 years old
  • Have a regular income and UK bank account
  • You don't already have a marbles card and haven't taken out an Aqua, Fluid, opus or Bip card in the past 12 months.

Important Information

 

  • FastCheck your eligibility for an instant response before you apply
  • Start with an easy-to-manage credit limit of £250 – £1,500
  • Track transactions online and pick the payment date you want
  • Manage your account online
  • Choose your repayment date
  • Receive text alerts when you’re approaching your credit limit
  • UK-based customer helpline
Ulster Bank Purchase & Balance Transfer Card
Ulster Bank Purchase & Balance Transfer Card

Cost for balance transfers (%)   2.99%

Annual cost   £0.00

Purchase Free Period   23 months 0% interest

Representative APR   24.9%

Representative Example: The standard interest rate on purchases is 24.9%p.a., so if you borrow £1,200 the Representative APR will be 24.9%APR. £0.00 annual fee.

Do I Qualify?

 

  • Available to customers who have a current account, savings account, credit card or mortgage with Ulster Bank
  • Are UK residents
  • Are 18 years old or older
  • Earning at least £10K per year

 

Important Information

  • 0% interest on purchases for up to 23 months – 0% offer starts from account opening.
  • 0% interest on balance transfers for up to 21 months – you must transfer your balance in the first 3 months of account opening. 0% offer starts from account opening.
  • 3.49% balance transfer fee.
  • After your 0% offers end, you'll pay our standard rates.

You can transfer a balance (move debt) from most credit cards or store cards.  You must transfer at least £100. The most you can transfer is up to 95% of your credit limit.

How it works

Finding the right 0% Purchases credit card for you should be simple when you follow the steps below. Once you have a shortlist, visit the card issuer’s website to find out more and apply.

Check your eligibility Icon Check your eligibility

Using the comparison table, follow the “More Information” link to check you meet the minimum eligibility criteria. It’s also a good idea to check your credit score beforehand, so you are fully aware of your current financial health.

Compare Interest Free Purchases credit cards Icon Compare Interest Free Purchases credit cards

Next, to personalise your results, use the filters to look for the right 0% Purchases credit card for you.

Visit the card provider's website Icon Visit the card provider's website

To ensure you have the best Interest Free Purchases credit card for your circumstances, we suggest reviewing the information carefully on the provider’s website, such as the length of the interest-free credit card period, before applying.

Apply Icon Apply

Once you are happy with your choice and have checked you meet the criteria and have understood the terms, apply for your 0% Purchases credit card.



What is an interest free credit card?

What are 0% Purchases credit cards?
A Zero Purchases credit card allows you to buy things on your card without attracting interest. This 0% period will be for a limited time (usually between 3 and 28 months). After that, you start accruing interest on the debt left on the card, and all future purchases.

How does a 0% Purchases credit card work?
Interest free credit cards allow you to make purchases without attracting interest for a set length of time (usually up to 28 months). They can be cheaper than other forms of borrowing for purchases such as a holiday or car, but only if you pay off the balance in full before the end of the interest free period. If you don’t pay the full balance before the interest free period ends, then the remaining amount begins to attract interest at the rate stated by the provider.

Should I get a 0% Interest Purchase credit card?
Before you decide to get an interest free credit card, consider your circumstances and spending habits first. When used well, interest free Purchases credit cards can be cheaper than a loan for one-off large purchases (whether that be a new fridge-freezer or a holiday). However, spending more than you can afford or not paying off your credit card in full and on time could mean you end up in more debt, and could negatively affect your credit rating.

What must I avoid when using an interest free credit card?
As with every credit card, never use it to draw out cash from a cash machine. A cash advance on credit cards usually attracts huge fees and interest, and could impact your credit rating, as borrowing money in this way could indicate to lenders that you are poor at managing your money. Also, as with all forms of credit, be careful not to miss any monthly payments, as this could attract financial penalties, and your lender can even demand that you repay the balance in full immediately, with a noticeable impact on your credit score. And remember, once the interest free period is up, your card balance and any further purchases will start to accrue interest at the card provider’s standard rate.

How do I choose the best Zero Purchases credit card?
You can use a trusted comparison site, such as Must Compare, to find out which cards are offering 0% Interest, and compare the latest deals and offers. Check details such as any fees, minimum repayments, standard interest rates and the Representative APR before applying to prevent a costly mistake. Always do your research - some lenders will allow you to check your eligibility before you apply, performing a “soft” credit check, meaning you can have more confidence when applying. If you’re unsure about your credit score, take a look at our guide to credit scores before proceeding with a full application.

What is a purchase promotion period on an interest free credit card? -

This is the window of time in which you can make purchases without the balance attracting interest. Once the purchase promotion period has ended, any further purchases should attract interest. Purchases completed within the promotional period should continue to be interest free until the end of the interest free period.

What counts as a purchase on an interest free credit card? +

What counts as a purchase depends on your credit card provider. However, a purchase is generally anything you can buy in a shop or online. Some impose a lot of restrictions, and others are more relaxed, but most card providers won’t classify a cash withdrawal or transactions made abroad as a purchase for the purposes of the interest free period. Check with your provider before using your card for any non-standard transactions.

What happens once the 0% period is over? +

Once the 0% period is over, any remaining balance from the interest free period will start to accrue interest. This is why it is a good idea to pay off any balance before the interest free period ends.

Will all my transactions be interest free on a 0% purchase credit card? +

As long as your purchases are within the interest free period for purchases, and they are classed as purchases by the card provider, they should be interest free for the promotional term. However, if you fail to make a repayment on time, you can lose the interest free period, so make sure that you always keep up repayments.

0% Purchase Credit Cards FAQs