7 best interest-free purchase cards.
Best 0% Purchase Credit Cards
Frequently Asked Questions
Can You Get 0% Interest on Credit Cards?
Yes. An interest-free credit card allows you to make purchases, balance transfers, and money transfers for a set time. Most credit providers will offer an introductory period of up to 24 months when you make purchases. However, an APR will apply to the account after this period.
How Many 0% Credit Cards Can One Person Have?
As many as you want, or as many as your credit utilisation allows you to have. However, having many open credit card accounts at once isn’t recommended. One or two credit cards are ideal for emergency use and building your credit report. Every time you make a new credit application, a search on your credit report leaves a mark.
Which Credit Card is Best for Low Spenders?
The Barclaycard Platinum Credit Card is ideal for low spenders as you can get a credit limit starting from £50; this is ideal if you’re looking to build your credit score over time. The credit limit when opening the account will depend on your financial circumstances and credit history.
Are Zero Interest Purchase Credit Cards Worth it?
Yes. An interest-free purchase credit card allows you to spread the cost of purchases without worrying about paying interest for up to 24 months. They’re ideal if you want to make big purchases, as they can make paying for it more manageable. If you continue to repay the balance of your card, you increase your credit rating.
Will My Credit Score be Affected if I Cancel My Credit Card?
You can cancel a credit card without harming your credit score. As long as you’ve paid your balance in full, your credit history won’t be affected. It will reduce your credit utilisation which may help you further down the line when opening new lines of credit.
Get Bank Deals & More
Sign up for our email updates on the best bank deals, money savings tips and more.