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)
	Capital One Platinum	0% until October 2009 (3%)	0% until October 2009	-	12.9%

	Halifax	0% for 10 months (3%)	0% for 10 months	-	15.9%

	Capital One Low Rate Balance Transfer	5.5% (3%)	0% until January 2009	-	15.9%

	Barclaycard OnePulse	14.9% (2.5%)	0% for 6 months	-	14.9%

	Royal Bank of Scotland	0% for 13 months (2.9% - min £5)	0% for 6 months	-	15.9%

	Amazon	0% for 9 months (3% - min £3)	0% for 6 months	Earn loyalty points redeemable against Amazon gift certificates	15.9%

	NatWest	0% for 13 months (2.9% - min £5)	0% for 6 months	-	15.9%

	GM Card	0% for 5 months (2% - min £5)	0% for 5 months	Collect Rebate Points and save up to £2,000 off a new Vauxhall car or up to £2,500 off a new Saab car	14.9%

	Capital One Balance Transfer & Purchase	0% until November 2009 (3%)	0% until November 2008	-	15.9%

	Barclaycard Platinum	0% for 14 months (2.9%)	0% for 3 months	-	14.9%

	WWF Charity	0% for 12 months (3%)	0% for 3 months	-	15.9%

	Sony Card	0% for 12 months (3%)	0% for 3 months	Collect SonyCard Pulsebeats towards Sony products	15.9%

	MBNA Premiership Football	0% for 12 months (3%)	0% for 3 months	-	15.9%

	Post Office 2 in 1	0% for 10 months (2.75%)	0% for 3 months	-	15.9%

	National Trust Charity	0% for 12 months (3%)	0% for 3 months	-	15.9%

	Lloyds TSB Platinum	0% for 14 months (3%)	0% for 3 months	-	15.9%

	MBNA Football Association	0% for 12 months (3%)	0% for 3 months	-	15.9%

	Virgin	0% for 15 months (2.98%)	0% for 3 months	Virgin cardholders can take advantage of exclusive instant discounts with money off holidays, wine, music, gym membership, DVDs and insurance	15.9%

	Breakthrough Breast Cancer Charity	0% for 12 months (3%)	0% for 3 months	-	15.9%

	MBNA Platinum Plus	0% until September 2009 (2.9%)	0% until November 2008	-	15.9%

	HSBC Bank	0% for 13 months (2.5% - min £5)	0% for 3 months	-	16.9%

	Egg	0% for up to 15 months (3%)	0% for 3 months	Cash back at selected online retailers	16.9%

	Capital One Low Rate	8.5% (no fee)	8.5%	-	8.5%

	Co-operative Bank Think	7% for 6 months (no fee)	12.9%	-	12.9%

	Barclaycard Breathe	0% for 12 months (2.5%)	14.9%	Low interest rate on most public transport plus special offers and discounts with selected retailers	14.9%

	Barclaycard Platinum with cashback	0% for 12 months (2.5%)	16.9%	4% cashback (up to £15 per month) until 30th September 2008 and 0.5% cashback thereafter (up to £30 per month until 1st January 2010	16.9%

	American Express Platinum MoneyBack	-	18.9%	Up to 5% cashback on purchases	18.9%

	American Express Nectar	-	15.9%	Earn up to 4 Nectar points for every £1 spent, 5,000 bonus points when you first spend £200 and double points for the first 3 months	15.9%

	Aqua	-	35.9%	-	35.9%

	Vanquis Visa	-	39.9%	-	39.9%