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Compare Our Top-Rated 0% Purchase Credit Cards

Updated: 14th March 2022

0% APR credit cards can be great for those looking to make a big purchase (or several rather-large purchases). On this page you’ll find our top 0% new purchase credit cards as well as more information about how to pick a 0% purchase card that’s right for you.

Check Your Eligibility

Discover a list of credit cards you may be eligible for. Only takes a few minutes and will not affect your credit score.

Our top-rated 0% purchase credit cards at a glance:

Credit Card Great For Star Rating
M&S Shopping Plus Credit Card * Long 0% purchase and balance transfer, plus points
Santander All In One Credit Card * 0% offers, cashback and travel benefits in one card
Tymit * controlling and monitoring spending and repayments
HSBC Purchase Plus Credit Card * 0% interest on purchases and balance transfers
Nationwide Select Credit Card 0% interest for Nationwide customers
Sainsbury’s Bank Purchase Credit Card Long 0% interest on purchases and rewards
Tesco Bank 12 Month All Round Credit Card 0% on purchases and balance transfers, no balance-transfer fee
Barclaycard Platinum 18-Month Balance Transfer/20-Month 0% Interest Purchase Card Long 0% interest on purchases and balance transfers
Lloyds Bank Platinum Low Fee 0% Balance Transfer Credit Card Long balance transfer period with low fee
Sainsbury’s Dual Offer Credit Card Long 0% interest on purchases and rewards

More details about our top-rated 0% new purchase cards:

Credit card offers from our affiliate partners appear first and are ordered from highest rating to lowest, followed by other top-rated offers. You can read more about our ratings and page sort here. Offers from affiliate partners are marked with a *.

Filter Results

Great For: Long 0% purchase and balance transfer, plus points

M&S Shopping Plus Credit Card *

4.5 stars ?

22 months

22 months

21.9%

£0

Check Eligibility Apply Now!

On M&S Bank's Secure Website

CREDIT RATING REQUIREMENTS:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

OUR BOTTOM LINE

The M&S Shopping Plus card ticks a lot of the boxes to make a great credit card. For starters, there’s a long 22-month 0% period on new purchases. But you can add to that a 22-month, 0% period for balance transfers made in the first 90 days and the M&S points programme. It is worth noting that there’s a 2.9% fee on balance transfers.

Read full review

HIGHLIGHTS

  • 0% interest on purchases for the first 22 months
  • 0% interest for 22 months on balance transfers made in the first 90 days
  • 2.9% balance transfer fee (minimum £5)
  • Earn M&S points for shopping at M&S and elsewhere

KEY SCORES

Perks 4/5
Fees 5/5
APR 4/5

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Assumed credit limit £1,200

* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.

Ready to apply? You can either Check Eligibility or Apply Now!
on M&S Bank's Secure Website

Great For: 0% offers, cashback and travel benefits in one card

Santander All In One Credit Card *

4.5 stars ?

20 months

26 months

23.7%

£36**

CREDIT RATING REQUIREMENTS:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

OUR BOTTOM LINE

A highly multi-functional card that should serve a wide variety of users. The All in One card offers 26-month 0% periods on balance transfers and 20 months 0% on purchases. During the promotional period, there’s no balance transfer fee – a very nice benefit.

Read full review

HIGHLIGHTS

  • 0% interest for 26 months from account opening on balance transfers
  • No balance transfer fee
  • 0% interest for 20 months from account opening on purchases
  • 0.5% cashback on all purchases
  • No foreign transaction fee (if you pay in local currency)
  • Special cashback offers of up to 15% with Retailer Offers (you must sign up for this)
  • ** The fee for this card is £3 per month, charged monthly (£36 in total annually)
  • Note: You can apply for a credit card if you’re a permanent UK resident aged 18 years or over, have a guaranteed annual income of £7,500 or more (before tax), have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years.

KEY SCORES

Perks 5/5
Fees 5/5
APR 2/5

REPRESENTATIVE EXAMPLE

17.9% p.a. (variable) on card purchases. This is equivalent to 23.7% APR representative (variable) based on an assumed credit limit of £1,200. Monthly fee: £3.

* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.

Ready to apply? You can either Check Eligibility or Apply Now!
on Santander's Secure Website

Great For: controlling and monitoring spending and repayments

Tymit *

4 stars ?

3 months

0 months

19.8%*

£0

CREDIT RATING REQUIREMENTS:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

OUR BOTTOM LINE

The main feature of this card is that it lets you spread the cost of your purchases over 3, 6, 12, 24 and 36 months. You only pay interest on the purchases you put into instalments, not on your entire balance. The 3-month plan attracts no interest while the others have an APR ranging from 15.1%-29.7%.

Read full review

HIGHLIGHTS

  • Credit limit of £500-£15,000
  • APRs of 15.1%-29.7% for purchases repaid over 6 to 36 monthly instalments
  • You can manage your instalment plan through the app, and see interest charges or costs in advance
  • Interest is on instalments only and not on entire balance
  • Free spending abroad (no foreign transaction fee)
  • No cash withdrawal fees, up to £200 per month
  • No charges for going over your limit and no penalty for first late payment
  • *The card’s representative APR for purchases repaid over 6 to 36 monthly instalments is 19.8%

KEY SCORES

Perks 3.5/5
Fees 5/5
APR 4/5

REPRESENTATIVE EXAMPLE

Representative rate 19.8% APR (variable)
Purchase rate 0% p.a. (variable)
Assumed credit limit £1,200

* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.

Ready to apply? You can either Check Eligibility or Apply Now!
on Tymit's Secure Website

Great For: 0% interest on purchases and balance transfers

HSBC Purchase Plus Credit Card *

3.5 stars ?

18 months

18 months

22.9%

£0

Check Eligibility Apply Now!

On HSBC's Secure Website

CREDIT RATING REQUIREMENTS:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

OUR BOTTOM LINE

HSBC’s Purchase Plus Credit Card could be a good match for those looking for a solid combination of 0% purchase and balance-transfer offer. Since 18 months isn’t the longest 0% period on the market, the key here is the combination of both 0% purchases and balance transfer. Do note that there is a 2.9% fee on balance transfers.

Read full review

HIGHLIGHTS

  • 0% interest on purchases made over the first 18 months
  • 0% interest for 18 months on balance transfers made in first 60 days
  • 2.9% balance-transfer fee applies
  • No annual fee

KEY SCORES

Perks 2/5
Fees 4.5/5
APR 3.5/5

REPRESENTATIVE EXAMPLE

Representative rate 22.9% APR (variable)
Purchase rate 22.9% p.a. (variable)
Based on an assumed credit limit of £1,200

* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.

Ready to apply? You can either Check Eligibility or Apply Now!
on HSBC's Secure Website

Great For: 0% interest for Nationwide customers

Nationwide Select Credit Card

4.5 stars ?

12 months

12 months

15.9%

£0

CREDIT RATING REQUIREMENTS:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

OUR BOTTOM LINE

If you are looking for a credit card that offers a wide range of features, the Nationwide Select Credit Card is likely to be appealing. It has a 12-month introductory 0% interest rate on purchases and balance transfers, as well as no balance transfer fee. Although there are longer 0% interest rate periods available elsewhere, the card’s lack of foreign exchange fees could help it stand out from its rivals. Note though that it is only available to existing customers of Nationwide who have their main current account with the provider.

Read full review

HIGHLIGHTS

  • 0% interest for 12 months on purchases
  • 0% interest for 12 months on balance transfers
  • No balance transfer fee
  • No annual fee
  • No foreign transaction fees
  • Note: This card is only available to Nationwide current account customers (see issuer for full details)

KEY SCORES

Perks 3/5
Fees 3/5
APR 5/5

REPRESENTATIVE EXAMPLE

Representative rate 15.9% APR (variable)
Purchase rate 15.9% p.a. (variable)
Based on borrowing £1,200
Great For: Long 0% interest on purchases and rewards

Sainsbury’s Bank Purchase Credit Card

4.5 stars ?

20 months

3 months

20.9%

£0

CREDIT RATING REQUIREMENTS:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

OUR BOTTOM LINE

The Sainsbury’s Purchase Credit Card is a solid option for those looking for a long introductory 0% period for purchases. The card does have a balance transfer offer as well, giving users 0% interest on balances transferred from other cards. However this is only three months and carries a 3% fee.

Read full review

HIGHLIGHTS

  • 0% interest on purchases made over the first 20 months
  • 0% interest on balance transfers for the first 3 months (but a 3% fee applies)
  • Up to 7,500 bonus Nectar points over first 2 months

KEY SCORES

Perks 4/5
Fees 3/5
APR 3/5

REPRESENTATIVE EXAMPLE

Purchase rate is 20.95% p.a. variable
With a representative 20.9% APR variable
Assumed credit limit £1,200
Great For: 0% on purchases and balance transfers, no balance-transfer fee

Tesco Bank 12 Month All Round Credit Card

4.5 stars ?

12 months

12 months

19.9%

£0

CREDIT RATING REQUIREMENTS:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

OUR BOTTOM LINE

The Tesco Bank 12 Month All Round Credit Card succeeds by being just what the name says: a good all-round option. You can find longer 0% interest periods elsewhere, but 12 months of 0% on purchases, balance transfers, and money transfers is a nice combination. No balance transfer fee adds to the appeal, as does the ability to earn Clubcard points.

Read full review

HIGHLIGHTS

  • 0% interest for 12 months on purchases
  • 0% interest for 12 months on balance transfers and money transfers made in the first 90 days
  • No annual fee
  • No balance transfer fee (3.94% money transfer fee)
  • 1 Tesco Clubcard point for every £1 spent at Tesco and for every £8 spent elsewhere

KEY SCORES

Perks 4/5
Fees 3/5
APR 4/5

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.9% p.a. (variable)
Based on borrowing £1,200
Great For: Long 0% interest on purchases and balance transfers

Barclaycard Platinum 18-Month Balance Transfer/20-Month 0% Interest Purchase Card

4 stars ?

20 months

18 months

21.9%

£0

CREDIT RATING REQUIREMENTS:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

OUR BOTTOM LINE

Barclaycard Platinum 18-Month Balance Transfer/20-Month 0% Interest Purchase Card combines two solid offers. Cardholders get 20 months of 0% interest on purchases, plus 18 months of 0% interest on balance transfers. There is a 2.9% fee on balance transfers, so those looking to keep costs down may want to look for a card that offers fee-free transfers.

Read full review

HIGHLIGHTS

  • 0% interest on purchases made over the first 18 months
  • 0% interest on balance transfers for 20 months (but a 2.9% fee applies)
  • Savings on live events with Barclaycard Entertainment

KEY SCORES

Perks 3/5
Fees 3/5
APR 3/5

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Based on borrowing £1,200
Great For: Long balance transfer period with low fee

Lloyds Bank Platinum Low Fee 0% Balance Transfer Credit Card

3.5 stars ?

12 months

22 months

19.9%

£0

CREDIT RATING REQUIREMENTS:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

OUR BOTTOM LINE

You can find longer balance-transfer periods than the 22 months offered here. But long BT periods almost always come with fees, and they can be far higher than the 1.99% on this card. Add to that 12 months of 0% interest on purchases.

Read full review

HIGHLIGHTS

  • 0% interest for 22 months on balance transfers made in first 90 days
  • 0% interest on purchases for 12 months
  • 1.99% balance transfer fee

KEY SCORES

Perks 2/5
Fees 4/5
APR 4/5

REPRESENTATIVE EXAMPLE

A variable annual purchase rate of 19.94%
A variable representative 19.9% APR
Based on borrowing (over 12 months) £1,200
With an annual fee of £0
Great For: Long 0% interest on purchases and rewards

Sainsbury’s Dual Offer Credit Card

3.5 stars ?

20 months

20 months

21.9%

£0

CREDIT RATING REQUIREMENTS:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

OUR BOTTOM LINE

The Sainsbury’s Dual Offer Credit Card aims to give you the best of both worlds. Cardholders get a 20-month period with 0% interest on both purchases and balance transfers. Balance transfers are subject to a 3% fee, so those looking primarily for a balance-transfer offer may prefer to find a card without that fee. As with other Sainsbury’s cards, cardholders collect Nectar points on spending at Sainsbury’s and elsewhere. Over the first two months, shopping at Sainsbury’s could net users up to 7,500 bonus points, which is worth £37.50.

Read full review

HIGHLIGHTS

  • 0% interest on purchases made over the first 20 months
  • 0% interest on balance transfers for 20 months (but a 3% fee applies)
  • Up to 7,500 bonus Nectar points over the first 2 months

KEY SCORES

Perks 3.5/5
Fees 2.5/5
APR 3/5

REPRESENTATIVE EXAMPLE

Purchase rate is 21.95%
p.a. variable
With a representative 21.9% APR
variable
Assumed Credit limit: £1,200

 


What is a 0% purchase credit card?

A 0% purchases credit card gives you an introductory period in which you can make new purchases without having to pay any interest.

The standard rate on a typical credit card is around 19%, which means that interest charges can pile up quickly. But with a 0% purchases credit card, you don’t have to worry about interest charges for the introductory period. This could mean a potential saving of hundreds of pounds.

How does a 0% purchase card work?

With a 0% purchase card, you get a specified period of time (the ‘introductory period’) of 0% interest on your new spend. This period usually starts from just when you are approved for the card, not when you actually receive it.

During the introductory period, you’re not charged interest on any balances that you carry on that card. But there are some things to keep in mind. You are still responsible for paying at least the minimum payment every month. Failing to do so could mean getting charged fees or even losing that wonderful 0% introductory period.

In addition, you must be aware of when your 0% introductory period ends. As soon as that introductory period ends, the card’s regular APR will kick back in. And if you haven’t paid off your balance, that could mean suddenly racking up interest.

How much can you save with a 0% purchase APR?

A card with a 0% introductory APR on purchases could potentially save you hundreds of pounds in interest compared with carrying the same balance at a typical APR of 19%. The table below shows how much you would save in interest by paying off a £5,000 balance during a 0% introductory APR period rather than paying off new purchases over the same time at an 19% APR.

Interest saved by paying off a £5,000 balance with a 0% introductory APR card:

Length of introductory 0% APR period

Amount saved

12 months

£529.39

15 months

£656.53

18 months

£785.51

21 months

£916.35

The interest you save is dependent on the duration of your 0% introductory APR on purchases offer, the interest you pay on your existing debt, and how much debt you have to repay. That said, most people will find that a 0% introductory offer on purchases will save them hundreds in the long run compared with carrying a balance on a standard APR credit card.

What can you use a 0% interest card for?

A 0% interest card can be used for new purchases – either one large purchase or several smaller ones. Generally, the 0% deal will not apply to cash withdrawals or balance transfers, unless specifically offered.

What are the longest intro periods on 0% interest credit cards?

The interest-free period on popular 0% purchase cards can be anything from three months to several years. However, your credit score and individual circumstances will decide the interest-free period you’ll be offered.

What happens after the interest-free period ends?

Introductory periods will usually offer you a 0% APR for a certain period of time. Depending on the card you’re applying for, this interest rate may apply to purchases, balance transfers or both.

Once the 0% interest period is over, however, you’ll be charged a new interest rate (agreed when you signed the contract) and this interest will be applied to any unpaid balance on the card.

Advantages of 0% credit cards

There are many advantages to a 0% interest credit card. Here are the key benefits:

  • No interest for a set time: You’ll pay no interest on purchases during the introductory period. This period can be anything from a few months to several years and applies to purchases, and sometimes balance transfers as well.
  • Ideal for a large purchase: If you want to make a large purchase, for example a car or a holiday, but would like to pay it off over time, a 0% interest credit card can help. For a certain time, you can pay off this balance with no added interest charges.

Disadvantages of 0% credit cards

Cards that have a 0% interest introductory period are a great tool if used correctly. But even with this wonderful interest-free period, missteps can be costly.

  • Remaining balance when the 0% period ends: The biggest risk with a card like this is having a remaining balance on the card when the interest-free introductory period ends. Any balance left on the card will incur interest charges at the card’s standard rate.
  • Minimum monthly payment: In order to keep your promotional introductory rate, most cards require you to make your minimum monthly payments. If you miss any payments, you could lose your 0% APR offer. At that point, interest on balances will be charged at the standard APR.
  • Credit score: Although your debt is temporarily not accruing interest, it is still a debt and will affect your credit score. This means that if you apply for other credit cards or loans, the balance on your 0% card will show up for these lenders when considering your application. If it’s a reasonable sum, it may not be a problem. But if you’ve racked up a lot of debt on your 0% card, it could lead to a higher interest rate on your new loan, or mean that you don’t get approved at all.

What to consider when choosing a 0% purchase credit card

As we mentioned above, not everyone’s personal situation is the same. So while our ratings are a good starting place for picking out a 0% new purchase credit card, it’s important to know how to compare cards yourself. That way, you can make sure that a given card is right for your situation.

Here are some tips for considering the different features of a 0% purchase credit card:

  • The length of the 0% period – It might seem obvious to simply look for the card with the longest 0% period. But there can be drawbacks of focusing just on the 0% period. For one, the cards with the longest 0% periods often don’t include other features or benefits that may be useful to you. In addition, the longest interest-free periods could encourage you to rack up more debt than is prudent or put off paying down your balance.
  • The standard APR – The APR you’re offered will depend a lot on your credit rating. And it’s important to remember that the representative rate that you see for a card is only guaranteed to 51% of applicants. So, you may get offered a higher standard APR than the representative rate. As a general rule, looking for a lower APR is better. This can make it a bit less painful if you don’t clear your balance by the time the interest-free period runs out.
  • 0% balance transfer period – If you have an existing balance that you’re currently paying a high rate of interest on, this could be a nice addition on your new card. Do bear in mind that having a card with two 0% offers of differing lengths can get tricky as you try to keep track while paying them down. For that reason, we tend to view the best options as either finding a card with equal 0% APR periods for both purchases and balance transfers or simply getting separate cards — that is, a 0% purchase card and a separate balance transfer card.
  • Annual fee and other fees – The good news is that 0% spending cards rarely have an annual fee. So if you find yourself considering a card that does have a fee, it might be a good idea to keep looking. You can likely find an offer just as good that doesn’t have an annual fee. On the other hand, most 0% cards do have foreign transaction fees. There are a few 0% purchase cards that do offer no fees on foreign transactions, but you can also consider a travel card for when you’re heading abroad. Finally, if you’re considering a 0% purchases card that also has a 0% balance transfer period, you should take note of the balance transfer fee as well.
  • Other perks – When choosing between a few cards with similar 0% interest offers, this can be a great differentiator, help you save money or even put cash in your pocket! Rewards are most commonly seen with retailers, but, depending on the programme, many of the rewards schemes have gotten much more flexible in recent times. Some cards also offer discounts on travel money and holiday bookings or travel insurance.

Who is eligible for a 0% new purchase card?

Whether or not you are eligible for a 0% purchases credit card will depend on several factors:

  • Your income
  • Your employment status (some cards won’t accept someone who is self-employed)
  • Your credit score

If you have a chequered credit history, you may struggle to qualify for the most competitive 0% deals. In order to be eligible for the top cards on the market, it could be a good idea to work on improving your credit score before applying.

Is a 0% purchase card offer right for you?

It could be a good choice for you if…

You’re making a large purchase: If you are looking to make a large purchase, would like to spread the cost over a period of time and have a good or excellent credit score, then a card that offers a 0% introductory APR on purchases could be the right choice.

You want payment protection: Another point in favor of a 0% purchase card is that it gives you payment protection for purchases between £100 and £30,000 — which, if you are planning to use the card for a large purchase, could come in handy.

Consider an alternative if…

You have an existing balance: If you are struggling with an existing credit card balance that already has interest, then it may be better to look at a good 0% balance transfer offer.

You want to avoid debt: As with any credit card, it is possible to find yourself in difficulty, so the key things to be aware of when taking out a 0% purchase card are that you know when the introductory interest-free period expires and are confident you can repay your balance before that date. Additionally, work out what your minimum monthly payments would be in advance. Then you can keep to your repayment schedule and protect any promotional rates that you have been given.

Ratings methodology for the top-rated 0% new purchase cards

When reviewing the top 0% purchases offers, we took numerous factors into account. The length of the 0% interest period is obviously important. But our aim is to look at these cards in their entirety, and help you understand how all of the card features come together to create a great (or not so great) offer.

It is important to remember that everyone’s individual financial situation will be a little bit different. So, while our ratings might be a good starting place for you, it’s important to consider the card features on your own, to make sure that a given card fits your own personal situation.

  • Length of the 0% introductory period – This is the central feature of a 0% purchase credit card, and so it’s a very important rating factor. In general, the longer the interest-free period, the better. However, in our ratings, the longest interest-free period doesn’t guarantee a card a top rating. That’s because many cards with long 0% periods sacrifice other valuable features.
  • The representative APR for the card after the introductory period – The aim is to clear your balance before the 0% APR period runs out. However, sometimes circumstances will arise that make it difficult or impossible to pay down the balance in full. For that reason, we prefer cards that have lower standard APRs, even with a 0% promotional period.
  • Inclusion and length of a 0% balance transfer offer – A 0% purchase offer means that you’ll pay 0% interest for a period of time on new purchases. But if you also have a balance on another credit card that you’re paying interest on, a 0% balance transfer offer can help. So we give extra points to cards that provide 0% APR periods for both purchases and balance transfers.
  • Fees, including annual fees, balance transfer fees and non-sterling transaction fees – The fewer fees you pay, the better. So we give better ratings to cards that have no annual fee, low or no non-sterling transaction fees (for spending abroad) and, if there is a 0% balance transfer offer, have low or no fee for transferring a balance.
  • Additional benefits, such as reward schemes, cashback or credit report services – Perks such as rewards or cashback may not be the focus for 0% spending cards, but these extra features can provide cardholders with real value. So all else equal, we definitely prefer cards that include additional benefits.

Frequently Asked Questions

What should I look for in a 0% purchase credit card?

If making a large transaction (or more) that will need several months to pay off then a 0% new purchase credit card is well positioned for this purpose, since it will have a period of zero interest for new spending.

How do 0% purchase credit cards work?

These cards offer a promotional period of 0% interest on new purchases. While you have to continue at least making the minimum payment on these credit cards, you won’t be charged interest during the 0% promotional period.

Is there a minimum payment on a 0% for purchases credit card?

Yes, and it’s important that you not only take note of the minimum payment, but make sure to pay at least the minimum payment every month. Failure to pay the minimum payment could lead to losing the 0% promotional offer.

Can I transfer a loan to a 0% new purchases credit card?

No. If you are paying high interest on an outstanding credit card balance on another card, you can use a balance transfer credit card to help with that. For a loan though, a money transfer credit card may be a good choice. A credit card with a 0% APR period for purchases is only good for avoiding interest on new purchases.

Do I need 0% on balance transfers as well?

This depends on what you are looking to use a card for. If you plan to use the card solely for making a large purchase and then paying it off, having a 0% introductory APR on purchases would suffice. If you already have an existing balance on another card, it could be worth getting a card that also includes 0% on balance transfers, so that you can consolidate your debt. Just make sure to check for any balance transfer fees and the length of the interest-free period for balance transfers.

Can I get 0% APR on my existing credit card?

Each credit card is designed to appeal in a particular way. If one needs a credit card for a different purpose than the initial reason, then it follows that a brand-new card better meeting one’s current requirements would likely be more suitable than keeping the original.

How do I extend my 0% APR on a credit card?

While it’s not often possible, you can try to request an extension by speaking directly to the card provider. What the company might do instead is offer you a lower interest rate rate for a period than the one due to kick in after your introductory 0% APR rate ends, but that’s at the provider’s discretion.

What is the difference between 0% purchases and 0% on balance transfers?

When a card offers a 0% introductory APR on purchases, it means you will not be charged interest on any balances you incur by making a purchase with the card for a certain period of time after opening the account.

You may also see 0% interest offers for balance transfers. In this case, any credit card balances you transfer to your new card will not be subject to interest charges for some pre-determined period of time. Since the offers and considerations for these cards is slightly different, we have a separate page for comparing balance transfer offers.

Some cards offer both a 0% APR on purchases and a 0% APR on balance transfers, although the introductory periods may differ in length.

The Motley Fool receives compensation from some advertisers who provide products and services that may be covered by our editorial team. It’s one way we make money. But know that our editorial integrity and transparency matters most and our ratings aren’t influenced by compensation. The statements above are The Motley Fool’s alone and have not been provided or endorsed by bank advertisers. The Motley Fool has recommended shares in Lloyds, Tesco and Barclays.