Best Credit Cards For Purchases

If you use your credit card simply for purchases and are not concerned about balance transfers and other perks, you need to look at any interest-free purchase promotional period, followed by an ongoing generous low APR. Filtering results on money.co.uk for longest purchases shows:

  1. Sainsbury’s Bank Dual Offer Credit Card, which boasts 0% interest on all purchases for a hefty 28 months, followed by a representative APR of 20.9%. Use the card in Sainsbury’s, and you’ll also earn additional Nectar points.
  2. Barclaycard Platinum with Balance Transfers but you can ignore the balance transfer if you wish and simply enjoy the 27 months of 0% on all purchases, followed by an APR of 19.9%.
  3. Virgin Money All Round Credit Card offers one month less of 0% interest but has a slightly lower APR thereafter of 18.9%.