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0% Intro Purchases

Best 0% Intro Purchase credit cards in United Kingdom

0% intro purchase credit cards in United Kingdom charge no interest on new purchases for a promotional period after you open the account.

*a card is filed here when the issuer's own page says, in a sentence about this card, that purchases carry a 0% rate for a set number of months. A menu link, a footnote or a line about another card does not count, and neither does an interest-free grace period ("up to 55 days") or a promotion at a single merchant. In the US a card is also filed here when the issuer reports a 0% introductory purchase APR in a CFPB survey period that ended within the last seven months; in Australia, when the bank's Consumer Data Right product data does. We keep each quote and its source on the card's record and re-read the source every week. When the line is gone, a card filed on it leaves this list; a source we cannot re-read stops counting after 60 days (a CFPB survey, 14 months after the period it reports). The offer can change at any time, so confirm it on the issuer's page.

30
0% Intro Purchase cards filed
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AllLow Interest54Rewards45Balance Transfer42Business38No Annual Fee36Cash Back300% Intro Purchases30Credit Building23Premium22Travel19No FX Fee15Travel Insurance14Store & Retail12Gas & Fuel10Lounge Access10Points8Airline7Welcome Bonus5Groceries4Student3Secured2Dining1Hotel1
The ledger

All 0% Intro Purchase cards in United Kingdom

30 cards
Santander UK№ 1

All in One Credit Card

Mastercard issued by Santander UK.

Balance TransferCash Back
Annual fee£3/month£36/yr
Top earn rateNot confirmed
Ulster Bank№ 2

Balance Transfer Credit Card

Enjoy 0% interest for up to 11 months on balance transfers and no balance transfer fee

Balance TransferLow Interest
Annual fee£0per year
Top earn rateNot confirmed
Royal Bank Of Scotland№ 3

Balance Transfer Credit Card

Enjoy 0% interest for up to 11 months on balance transfers and no balance transfer fee

Balance TransferLow Interest
Annual fee£0per year
Top earn rateNot confirmed
Nationwide Building Society№ 4

Balance Transfer Credit Card

With introductory offers of 0% interest on balance transfers for 30 months and 0% interest on purchases for 3 months.

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Co Operative Bank№ 5

Balance Transfer Credit Card

Visa card issued by Co Operative Bank.

Balance TransferLow Interest
Annual fee£0per year
Top earn rateNot confirmed
Barclaycard№ 6

Barclaycard Forward

Credit card issued by Barclaycard.

Balance TransferCredit Building
Annual feeNot confirmed
Top earn rateNot confirmed
first direct№ 12

first direct Gold Card

Visa card issued by first direct.

Low InterestNo Annual Fee
Annual fee£0per year
Top earn rateNot confirmed
HSBC UK№ 15

HSBC Rewards Credit Card

Mastercard issued by HSBC UK.

Balance TransferPoints
Annual feeNot confirmed
Top earn rateNot confirmed
Ulster Bank№ 16

Longer Balance Transfer Card

Credit card issued by Ulster Bank.

Balance TransferLow Interest
Annual fee£0per year
Top earn rateNot confirmed
Royal Bank Of Scotland№ 17

Longer Balance Transfer Credit Card

Mastercard issued by Royal Bank Of Scotland.

Balance TransferLow Interest
Annual fee£0per year
Top earn rateNot confirmed
Marks & Spencer (M&S) Bank№ 18

M&S Credit Card Purchase Plus

Mastercard issued by Marks & Spencer (M&S) Bank.

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
NatWest№ 19

NatWest Balance Transfer Credit Card

Enjoy 0% interest for up to 11 months on balance transfers and no balance transfer fee

Balance TransferLow Interest
Annual fee£0per year
Top earn rateNot confirmed
PayPal№ 22

PayPal Credit card

Credit card issued by PayPal.

0% Intro Purchases
Annual feeNot confirmed
Top earn rateNot confirmed
Capital One UK№ 23

Post Office Credit Card

Credit card issued by Capital One UK.

Balance Transfer0% Intro Purchases
Annual feeNot confirmed
Top earn rateNot confirmed
Ulster Bank№ 24

Purchase & Balance Transfer Card

Credit card issued by Ulster Bank.

Balance TransferLow Interest
Annual fee£0per year
Top earn rateNot confirmed
Nationwide Building Society№ 26

Purchase and Balance Transfer Credit Card

With introductory offers of 0% interest on purchases and balance transfers for 15 months.

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Vanquis Banking Group№ 27

Purchase Credit Card

Credit card issued by Vanquis Banking Group.

No Annual FeeNo Credit History
Annual fee£0per year
Top earn rateNot confirmed
Santander UK№ 28

Santander World Elite™ Mastercard®

If you’re a Santander Select or Santander Private banking customer, you may be eligible for £90 cashback when you open a Santander World Elite Mastercard credit card during the offer period starting 26 March 2026.

Balance TransferLounge Access
Annual fee£15/month£180/yr
Top earn rateNot confirmed
Barclaycard№ 29

The Amazon Barclaycard

Visa card issued by Barclaycard.

RewardsStore & Retail
Annual feeNot confirmed
Top earn rateNot confirmed
Vanquis Banking Group№ 30

Vanquis Balance Transfer Credit Card

Visa card issued by Vanquis Banking Group.

Balance TransferLow Interest
Annual fee£0per year
Top earn rateNot confirmed
Questions

Frequently asked

What is the best 0% intro purchase credit card in United Kingdom?

The best 0% intro purchase card in United Kingdom depends on your spending and goals. We list every 0% intro purchase card we hold — 30 in total — with the issuer's published fees, networks, and welcome offers, so you can compare on the facts rather than the marketing.

How do I choose a 0% intro purchase credit card?

Compare the annual fee against the value you will actually use, check the network and any welcome offer, and weigh it against your top spending categories. Open any card below for the full breakdown, or use the Compare tool to line up two or three side by side.

Can I combine a 0% intro purchase card with other cards?

Yes. Many people pair a 0% intro purchase card with a complementary card so each handles the categories it earns most on. Holding cards from different issuers is common and can raise your overall rewards.

How do I know these 0% intro purchase card details are current?

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.