Best Credit Card Purchase Rates - Longest 0% Rates for Purchases

Credit Card Purchase Rates

There are many cards offering new customers a period of free interest for new card purchases. The intro period is typically 6 months, but some cards offer longer.

Some people switch to a 0 per cent rate specifically to make a large purchase such as a car or furniture, and use their months of grace to clear the debt in full or part. Others may switch cards more than once to spread the repayment over a longer period without charge.

Below is a summary of some of the best credit card deals for purchases.

Credit Seeker - Search Results

Credit Card Click card for more details or to apply		Promotional Rate for Balance Transfers (Balance transfer fee rates in brackets)	Promotional Rate for Purchases	Cashback	Typical APR (variable)
	Virgin Purchases	0% for 12 months (2.98%)	0% for 12 months	-	18.9%

	Halifax All In One	0% for 10 months (3% - min £3)	0% for 10 months	-	15.9%

	Bank of Scotland All In One	0% for 10 months (3% - min £3)	0% for 10 months	-	15.9%

	AA Credit Card	0% for 12 months (3% - min £3)	0% for 10 months	Collect AA Rewards Points and exchange them for a range of motoring products and services	16.9%

	Sony Card	0% for 12 months (3% - min £3)	0% for 6 months	Collect SonyCard Pulsebeats towards Sony products	16.9%

	Express Rewards	17.9% (3%)	0% for 6 months	Earn up to 3 points for every £1 spent at major UK supermarkets, 2 points for every £1 at UK department stores and 1 point for every £1 elsewhere. Exchange points for gift vouchers at favourite high street stores and online retailers	17.9%

	Virgin	0% for 14 months (2.98%)	0% for 3 months	Cardholders can take advantage of exclusive instant savings across the Virgin group with discounted holidays, wine, gym membership, experience days and more	16.6%

	NatWest Platinum	0% for 16 months (2.9% - min £5)	0% for 3 months	-	16.9%

	UNICEF Charity	0% for 12 months (3% - min £3)	0% for 3 months	-	16.9%

	HSBC Bank	0% for 15 months (2.9% - min £5)	0% for 3 months	-	16.9%

	British Heart Foundation Charity	0% for 12 months (3% - min £3)	0% for 3 months	-	16.9%

	WWF Charity	0% for 12 months (3% - min £3)	0% for 3 months	-	16.9%

	RBS Platinum	0% for 16 months (2.9% - min £5)	0% for 3 months	-	16.9%

	Barclaycard Platinum	0% for 15 months (2.9%)	0% for 3 months	-	16.9%

	MBNA Rewards	0% for 13 months (2.9% - min £3)	0% for 3 months	Collect 1 reward point for every £1 spent. Reward points can be redeemed for travel and entertainment offers or high street vouchers	16.9%

	Dogs Trust	0% for 12 months (3% - min £3)	0% for 3 months	-	16.9%

	RSPCA Platinum	0% for 12 months (3% - min £3)	0% for 3 months	-	16.9%

	Breakthrough Breast Cancer Charity	0% for 12 months (3% - min £3)	0% for 3 months	-	16.9%

	National Trust Charity	0% for 12 months (3% - min £3)	0% for 3 months	-	16.9%

	MBNA Platinum Plus	0% for 13 months (2.9%)	0% for 3 months	-	16.9%

	Egg	0% until September 2011 (3%)	0% until October 2010	Up to 10% cash back at selected online retailers	17.9%

	Capital One Progress	-	34.9%	-	34.9%

	Barclaycard Initial	-	29.9%	-	29.9%

	British Airways American Express	-	19.9%	Earn 1 BA Mile for virtually every £1 you spend. BA Miles can be redeemed for flights on British Airways mainline services	19.9%

	MBNA Rate for Life	5.9% for the life of the balance (2% - min £3)	16.9%	-	16.9%

	Barclaycard Simplicity	6.8% (no fee)	6.8%	-	6.8%

	Lloyds TSB Airmiles Duo Credit Card Account	0% for 6 months (3%)	15.9%	Get two free flights with the Lloyds TSB Airmiles Duo Credit Card Account. Collect one mile for almost every £10 spent on the Lloyds TSB Airmiles Duo American Express® Card, giving you accelerated earnings. The Lloyds TSB Airmiles Duo MasterCard® Card is accepted in 29.9 million places worldwide and you will collect one mile for almost every £50 spent	15.9%

	NatWest	19.9% (no fee)	4.9% for 9 months	-	19.9%

	Royal Bank of Scotland	19.9% (no fee)	4.9% for 9 months	-	19.9%

	American Express Platinum Cashback	-	19.9%	Up to 5% cashback on purchases	19.9%