The best 0% purchase deals in the run-up to Christmas

With just five weeks until Christmas Day and the shops already full of Black Friday deals, time is running out to get all the Christmas shopping done. For consumers who are wondering how they will be able to afford all the Christmas costs, it is fortunately not too late to take advantage of a competitive 0% purchase credit card deal.

Here we’ve taken a look at some of the best 0% deals currently available in our charts.

Two lenders are offering credit cards that offer interest-free purchases for a 26-month term. MBNA Limited’s 0% Transfer and Purchase Credit Card Mastercard offers 0% interest for 26 months on purchases made within the first 60 days. Outside the interest-free offer, the card charges 20.9% APR on transactions and it is only available to those with a minimum income of £14,000.

Santander also offers 0% interest for 26 months on its All in One Credit Card Mastercard, which charges 15.9% per annum outside the interest-free offer. Although there is a £3 monthly fee, this card has the added incentive of 0.5% cashback on purchases. This card is only available to those with a minimum income of £7,500.

This week, Barclaycard increased the standard APR on its Platinum All-Rounder Visa to 21.9%, although it continues to offer 0% on purchases for 25 months and is the second-longest term in the chart. This card is only available to those with a minimum income of £20,000.

M&S Bank’s Shopping Plus Mastercard is offering one point for every £1 spent in Marks and Spencer’s UK stores and online, as well as one point earned for every £5 spend outside of Marks and Spencer. This card offers 0% interest on purchases for 20 months and, outside the interest-free offer, charges 19.9% APR.

Those who regularly shop in Tesco will find Tesco Bank’s Clubcard Credit Card Purchases Mastercard offering a good rewards deal. This card offers one point per £4 spent (from a £4 minimum) in Tesco and one point per £8 spent (from a £8 minimum) outside Tesco, which are then converted to Tesco vouchers. This card also offers 0% interest for 24 months on purchases. Outside of the interest-free offer, it charges 19.9% APR and this card is only available to those with a minimum income of £5,000.

Regular Sainsbury’s shoppers can also get a 0% purchase card that offers rewards. Sainsbury’s Bank’s Dual Offer Credit Card Mastercard earns two Nectar points per £1 spent on Sainsbury’s shopping and fuel and earns one Nectar point for every £5 spent elsewhere. This card offers 0% on purchases for 22 months and 20.9% APR on transaction outside the interest-free deal offer. This card is only available to those with a minimum income of £10,000.  

The lowest APR rate comes from Nationwide Building Society, which offers 15.9% APR on its Select Credit Card Visa. This card offers 0% interest on purchases made within the first 12 months. The card is only available to existing customers and who have a minimum income of £5,000.

The card offering the lowest APR that is open to all and that offers a 0% deal for more than three months comes from Bank of Ireland UK with its Ulster Rugby Affinity Mastercard. This card offers 17.9% APR, as well as 0% interest for six months on purchases. There is no minimum income needed for this card.