0% Purchase Credit Cards
Want to buy yourself something special or have big expenses coming up? With a 0% purchase credit card, you can spend now and pay no interest on purchases for up to 15 months. We help you calculate how much you could save, so finding the best 0% purchase credit card is easier than ever.
Simply enter how much you plan to plan to spend in the first month, your current annual fee and interest rate, and look at the savings column to discover how much you can save on interest charges by switching to a new card.
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The promotional purchase rate offer refers to the interest rate applied to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the indicated purchase rate and standard interest-free period of the card.
The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.
Total annual fees charged for the number of years the card is held (based on your input above). An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.
All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.
Savings is an estimate of the amount saved on interest charges and annual fees during the interest-free period, as a result of making a purchase on a 0% purchase card, rather than on your existing card.
The savings estimate is based on a daily compound interest rate formula, taking into consideration your inputs above, as well as the annual fee, along with the following assumptions:
• The purchase amount is incurred in the first month
• No additional purchases or withdrawals are made
• A minimum 3% balance repayment is made each month
• Annual fees for the current year are charged in the first month
• If applicable, the annual fee refund is processed in the month eligibility is met
• There are 30 days in each month
• Your existing card will be closed and will incur no further fees
• Other fees are excluded
All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.
Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.
More info links to a detailed product page on our site.
