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Purchase credit cards

Need a little help finding the perfect shopping partner? Whether you’re looking for a 0% purchase card or a cashback card, we’ve got something that could help.

Our 0% purchase card lets you make purchases without paying any interest on the balance for a certain length of time. This means you can make a purchase and spread the cost over months or years.

To keep any 0% rate, you’ll need to make sure you stay within your credit limit and make at least your minimum payment on time.

More help

Card finder 
A little help finding the right Barclaycard

Promotional rates 
Find out how promotional rates work and how to keep them

All cards 
See our full range of cards

Barclaycard Rewards

Cashback on your everyday spend.

  • 0.25% cashback on all your spend until 31 August 2023 
  • No fees on purchases abroad until 31 August 2023 - as long as you pay in the local currency then you won’t pay fees on non-sterling purchases

Representative example - most accepted customers get

Representative APR
22.9% APR (variable)
Purchase rate
22.9% p.a. (variable)
Based on a
£1,200
credit limit
Annual Fee
No annual fee

The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered. The interest rates may differ from those shown. 

Our great all-rounder Platinum card

A flexible card you can use for balance transfers and purchases.

  • 0% interest on purchases for up to 25 months from the date you open your account
  • 0% interest for up to 25 months on balance transfers from the date you open your account. Transfers must be made within 60 days to benefit from the 0% offer
  • 2.7% balance transfer fee (terms apply)

Representative example - most accepted customers get

Representative APR
21.9% APR (variable)
Purchase rate
21.9% p.a. (variable)
Based on a
£1,200
credit limit
Annual Fee
No annual fee

The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered. The balance transfer period and interest rates, may differ from those shown. 

What is a 0% purchase credit card?

A 0% purchase card is a credit card that lets you make purchases on it without charging you any interest on the balance for a set period of time.

If you used our Platinum card and it had a 28 month 0% interest rate period, for instance, you could pay upfront for a purchase and not pay any interest until the 28 month period has finished.

Things to remember

When using a purchase credit card, it’s important to remember that:

You’ll only keep the 0% interest offer if you make at least the minimum repayments each month and keep within your credit limit.

Once the promotional period has finished, you’ll start being charged interest at the standard rate if you have any remaining balance.