Low Interest Credit Cards For Purchases

Credit cards offering the longest introductory 0% rate for purchases

Credit cards with the lowest standard APR for purchases

Introductory Purchase Rates
Many credit cards now come with an introductory interest free period for any purchases you make using the card.

Long Term Low Interest Rates For Purchases
The introductory 0% offers are "teaser" rates, to attract new customers. After the introductory period, you're switched to the standard rate. Depending on your circumstances this may be more expensive over the long term than selecting a card that doesn't offer an introductory rate but has a lower standard rate.

Credit cards offering the longest introductory period for purchases are listed first.

Card	Intro Rate Balance Transfers	Balance Transfer Fee	Intro Rate Purchases	Cashback / Rewards	Typical APR (variable)
Virgin Purchases	0% for 12 months	2.98%	0% for 12 months	Exclusive savings across the Virgin group and beyond	18.9%	Details / Apply
Halifax All In One	0% for 10 months	3% - min £3	0% for 10 months	-	15.9%	Details / Apply
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%	Details / Apply
Bank of Scotland All In One	0% for 9 months	3% - min £3	0% for 9 months	-	15.9%	Details / Apply
Sony Card	0% for 12 months	3% - min £3	0% for 6 months	-	16.9%	Details / Apply
Express Rewards Spend £500 in the first 3 months and receive 6,000 bonus points	17.9%	3%	0% for 6 months	Collect points and exchange them for gift vouchers	17.9%	Details / Apply
Virgin Suitable for homeowners with a good credit history, aged at least 25 and in full time employment	0% for 14 months	2.98%	0% for 3 months	-	16.6%	Details / Apply
NatWest Platinum 1% off the APR for Advantage Gold customers	0% for 16 months	2.9% - min £5	0% for 3 months	-	16.9%	Details / Apply
UNICEF Charity Help every child reach their full potential with the UNICEF card	0% for 12 months	3% - min £3	0% for 3 months	-	16.9%	Details / Apply
HSBC Bank This product is only available to existing HSBC customers	0% for 15 months	2.9% - min £5	0% for 3 months	-	16.9%	Details / Apply
British Heart Foundation Charity	0% for 12 months	3% - min £3	0% for 3 months	-	16.9%	Details / Apply
Breakthrough Breast Cancer Charity	0% for 12 months	3% - min £3	0% for 3 months	-	16.9%	Details / Apply
RBS Platinum 1% off the APR for Royalties Gold customers	0% for 16 months	2.9% - min £5	0% for 3 months	-	16.9%	Details / Apply
Barclaycard Platinum	0% for 15 months	2.9%	0% for 3 months	-	16.9%	Details / Apply
MBNA Rewards	0% for 13 months	2.9% - min £3	0% for 3 months	-	16.9%	Details / Apply
Dogs Trust Help abandoned, abused and stray dogs with the Dogs Trust card	0% for 12 months	3% - min £3	0% for 3 months	-	16.9%	Details / Apply
MBNA Platinum Plus	0% for 13 months	2.9%	0% for 3 months	-	16.9%	Details / Apply
WWF Charity	0% for 12 months	3% - min £3	0% for 3 months	-	16.9%	Details / Apply
National Trust Charity	0% for 12 months	3% - min £3	0% for 3 months	-	16.9%	Details / Apply
RSPCA Platinum	0% for 12 months	3% - min £3	0% for 3 months	-	16.9%	Details / Apply
Egg	0% until September 2011	3%	0% until October 2010	Cash back at selected online retailers	17.9%	Details / Apply
Barclaycard Simplicity	6.8%	no fee	6.8%	-	6.8%	Details / Apply
Lloyds TSB Airmiles Duo Credit Card Account Get two free flights with the Lloyds TSB Airmiles Duo Credit Card Account	0% for 6 months	3%	15.9%	Collect Airmiles on purchases and balance transfers and redeem them for flights and hotels	15.9%	Details / Apply
MBNA Rate for Life	5.9% for the life of the balance	2% - min £3	16.9%	-	16.9%	Details / Apply
NatWest This offer is only available to existing NatWest customers	19.9%	no fee	4.9% for 9 months	-	19.9%	Details / Apply
British Airways American Express Receive 1,000 bonus BA Miles when you spend £500 within the first 3 months	-	-	19.9%	-	19.9%	Details / Apply
American Express Platinum Cashback	-	-	19.9%	Up to 5% cashback on purchases	19.9%	Details / Apply
Royal Bank of Scotland This offer is only available to existing RBS customers	19.9%	no fee	4.9% for 9 months	-	19.9%	Details / Apply
Barclaycard Initial	-	-	29.9%	-	29.9%	Details / Apply
Capital One Progress The credit card that can shrink your interest rate as low as 19.9%	-	-	34.9%	-	34.9%	Details / Apply
Capital One Classic More tolerant of individuals with poor credit history	-	-	34.9%	-	34.9%	Details / Apply
Aqua	-	-	35.9%	-	35.9%	Details / Apply
Vanquis Visa Suitable for people new to credit or people with poor credit record	-	-	39.9%	-	39.9%	Details / Apply

Credit cards with the lowest standard / typical APR listed first.

Card	Intro Rate Balance Transfers	Balance Transfer Fee	Intro Rate Purchases	Cashback / Rewards	Typical APR (variable)
Barclaycard Simplicity	6.8%	no fee	6.8%	-	6.8%	Details / Apply
Halifax All In One	0% for 10 months	3% - min £3	0% for 10 months	-	15.9%	Details / Apply
Lloyds TSB Airmiles Duo Credit Card Account Get two free flights with the Lloyds TSB Airmiles Duo Credit Card Account	0% for 6 months	3%	15.9%	Collect Airmiles on purchases and balance transfers and redeem them for flights and hotels	15.9%	Details / Apply
Bank of Scotland All In One	0% for 9 months	3% - min £3	0% for 9 months	-	15.9%	Details / Apply
Virgin Suitable for homeowners with a good credit history, aged at least 25 and in full time employment	0% for 14 months	2.98%	0% for 3 months	-	16.6%	Details / Apply
NatWest Platinum 1% off the APR for Advantage Gold customers	0% for 16 months	2.9% - min £5	0% for 3 months	-	16.9%	Details / Apply
UNICEF Charity Help every child reach their full potential with the UNICEF card	0% for 12 months	3% - min £3	0% for 3 months	-	16.9%	Details / Apply
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%	Details / Apply
MBNA Rate for Life	5.9% for the life of the balance	2% - min £3	16.9%	-	16.9%	Details / Apply
HSBC Bank This product is only available to existing HSBC customers	0% for 15 months	2.9% - min £5	0% for 3 months	-	16.9%	Details / Apply
British Heart Foundation Charity	0% for 12 months	3% - min £3	0% for 3 months	-	16.9%	Details / Apply
Breakthrough Breast Cancer Charity	0% for 12 months	3% - min £3	0% for 3 months	-	16.9%	Details / Apply
RBS Platinum 1% off the APR for Royalties Gold customers	0% for 16 months	2.9% - min £5	0% for 3 months	-	16.9%	Details / Apply
Barclaycard Platinum	0% for 15 months	2.9%	0% for 3 months	-	16.9%	Details / Apply
Sony Card	0% for 12 months	3% - min £3	0% for 6 months	-	16.9%	Details / Apply
MBNA Rewards	0% for 13 months	2.9% - min £3	0% for 3 months	-	16.9%	Details / Apply
Dogs Trust Help abandoned, abused and stray dogs with the Dogs Trust card	0% for 12 months	3% - min £3	0% for 3 months	-	16.9%	Details / Apply
MBNA Platinum Plus	0% for 13 months	2.9%	0% for 3 months	-	16.9%	Details / Apply
WWF Charity	0% for 12 months	3% - min £3	0% for 3 months	-	16.9%	Details / Apply
National Trust Charity	0% for 12 months	3% - min £3	0% for 3 months	-	16.9%	Details / Apply
RSPCA Platinum	0% for 12 months	3% - min £3	0% for 3 months	-	16.9%	Details / Apply
Egg	0% until September 2011	3%	0% until October 2010	Cash back at selected online retailers	17.9%	Details / Apply
Express Rewards Spend £500 in the first 3 months and receive 6,000 bonus points	17.9%	3%	0% for 6 months	Collect points and exchange them for gift vouchers	17.9%	Details / Apply
Virgin Purchases	0% for 12 months	2.98%	0% for 12 months	Exclusive savings across the Virgin group and beyond	18.9%	Details / Apply
NatWest This offer is only available to existing NatWest customers	19.9%	no fee	4.9% for 9 months	-	19.9%	Details / Apply
British Airways American Express Receive 1,000 bonus BA Miles when you spend £500 within the first 3 months	-	-	19.9%	-	19.9%	Details / Apply
American Express Platinum Cashback	-	-	19.9%	Up to 5% cashback on purchases	19.9%	Details / Apply
Royal Bank of Scotland This offer is only available to existing RBS customers	19.9%	no fee	4.9% for 9 months	-	19.9%	Details / Apply
Barclaycard Initial	-	-	29.9%	-	29.9%	Details / Apply
Capital One Progress The credit card that can shrink your interest rate as low as 19.9%	-	-	34.9%	-	34.9%	Details / Apply
Capital One Classic More tolerant of individuals with poor credit history	-	-	34.9%	-	34.9%	Details / Apply
Aqua	-	-	35.9%	-	35.9%	Details / Apply
Vanquis Visa Suitable for people new to credit or people with poor credit record	-	-	39.9%	-	39.9%	Details / Apply