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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

Good for earning cashback on your purchases

  • 0.25% cashback on your everyday spend*
  • No fees abroad – you’ll be able to withdraw cash from an ATM or buy your souvenirs without any charges and benefit from Visa’s competitive exchange rate

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. 

*You’ll earn cashback on new purchases that you make. You won’t earn cashback on balance transfers, money transfers, cash withdrawals, buying currency or traveller’s cheques, or any cash-like transactions you make such as money orders or wire transfers. It also doesn’t include gaming-related transactions such as gambling, betting and buying lottery tickets.

Our great all-rounder Platinum card

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

  • 0% interest on purchases for up to 18 months from the date you open your account
  • 0% interest for up to 18 months on balance transfers from the date you open your account. Transfers must be made within 60 days to benefit from the 0% offer
  • 1.9% balance transfer fee (terms apply)

Representative example - most accepted customers get

Representative APR
20.9% APR (variable)
Purchase rate
20.9% 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.