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:
- 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.
- 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%.
- Virgin Money All Round Credit Card offers one month less of 0% interest but has a slightly lower APR thereafter of 18.9%.