How long is the longest 0% purchase deal available?

Related FAQ's & Guides Q. Are all purchases included in the 0% purchase rate? A. All purchases will be included in a 0% purchase deal - only cash transactions or balance transfers won't be included. Q. What transactions aren't included in the 0% purchase deal? A. Credit cards classify different types of card use into different transactions - and different account balances - so not all transactions are classified as purchases and it’s these that won't be included in the 0% purchase deal. Q. Are there any hidden charges with a 0% purchase deal? A. In short, the answer is no. But as with any credit card deal most 'hidden' charges or fees will appear depending upon how you use the card - in other words, they can often be avoided. Q. How much will I have to pay back of my 0% purchase spend each month? A. As with any credit card, and 0% purchase credit cards are no different, you need to pay back at least the minimum amount required each month as stated in the terms and conditions of the credit card. Q. What happens at the end of the 0% purchase period? A. When the 0% purchase period ends on a credit card - any purchase balance remaining on your account will revert to the standard interest rate - which is on average around 16.9% per annum.

The longest 0% purchase credit card period has been recently been upped to 12 months - which is available with the HSBC credit card.

0% purchase periods range from 3 months right up to a whole year, obviously it’s best to choose the longest 0% period available so you have more time to repay your purchases without incurring any interest charges.

You can compare 0% purchase credit cards and see which cards are offering the best deals for zero interest purchasing.

0% purchase credit cards
With a 0% purchase credit card you can enjoy an extended interest free period on any purchases that you make on the card, which means that you can enjoy more affordable credit for an introductory period.

These cards are a great way to spread repayments on your spending without being hit by interest payments. Some things that you should remember about 0% purchase credit cards include:

• The interest free period on these cards can vary from card to card.
• The 0% deal does not apply to cash withdrawals or any cash transactions.
• You should make sure that you clear the balance before the end of the 0% period or look at transferring any outstanding balance to a 0% balance transfer credit card.

Getting a good deal on your 0% purchase credit card
One of the main things that you need to look at when selecting a 0% purchase credit card is the length of the interest free period being offered on the card.

The longer the 0% purchase period offered on the card the more time you will have to repay any balance that you accrue on purchases as well as to continue using the card to make interest free purchases.

The interest free period offered on 0% purchase credit cards can vary from one credit card to another, and therefore it is important that you compare a number of cards to ensure that you are getting the longest interest free period possible.

You should not use these cards to make cash transactions, withdrawals, or balance transfers, as these are not included in the 0% deal unless otherwise stated.

There are a number of credit card companies that are able to offer fairly long 0% purchase deals, and this means that you can look forward to having more time to enjoy this form of interest free credit.

The world of credit cards is very competitive these days, and therefore credit card companies are regularly trying to outdo each other by offering more impressive deals such as longer 0% purchase periods.

For those looking for a good deal on a 0% purchase credit card there are a number of options available.

HSBC, one of the leading banks in the UK, offers a 0% purchase credit card with twelve months interest free credit.

The Capital One Platinum credit card also offers 0% for 12 months on purchases with an equal length 0% balance transfer deal too – making the card suitable to use for both.

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