Our 0% Purchase Credit Card
The credit card designed for purchases that need a little longer to pay back.
- 0% interest on purchases for up to 12 months
- 0% interest on balance transfers for up to 12 months (2.9% transfer fee)
- Up to £4,000 starting credit limit
Representative example: Assuming a credit limit of £1,200 and an interest rate on purchases of 34.94% p.a. variable, you will receive a 34.9% APR representative variable.
The 0% period doesn't apply to cash withdrawals or foreign spending fees.
What is a 0% purchase credit card?
0% purchase credit cards (sometimes called interest-free cards) are credit cards where you don’t pay interest on new purchases for a set period of time.
Think of it as a way to spread out the cost of a big purchase, without paying a penny extra for borrowing the money.
How does the 0% interest period work?
No interest for up to 12 months
From the point you're accepted, any purchase you make will be interest-free for 6 or 12 months (depending on what you're eligible for).
Minimum monthly payments
You'll still need to pay at least the minimum amount. We'll walk you through how to in the mobile app.
You'll be charged interest when it ends
Once the 0% period ends, interest will be charged straight away on any balance left on the card.
No impact on your credit score
One credit card, lots of uses
Spreading big costs
Whether it’s home repairs or planning a trip. You can buy what you need now, then split the cost into interest-free monthly payments.
Check if you’re eligible
Everyday spending
Keep things simple by only using your card for the essentials. Things like food shops, fuel and everyday spending.
Check if you’re eligible
Rainy day safety net
Boiler broken down? Car failed its MOT? You’ll be able to handle it without dipping into savings or breaking the bank.
Check if you’re eligible
It's easy to check if you're eligible
Tell us about yourself
Fill in a few details and we'll let you know if you're eligible, without affecting your credit score.Get a straight yes or no
We'll tell you if you'll be accepted on the spot, so you can decide if you want to apply.Apply for your card
If you're eligible and you think the card's right for you, you can apply in one tap of a button.
No impact on your credit score
Representative example: Assuming a credit limit of £1,200 and an interest rate on purchases of 34.94% p.a. variable, you will receive a 34.9% APR representative variable.
Good to know about our 0% Purchase Credit Card
You'll get extra protection on purchases
Buy something between £100 and £30,000 on a credit card and you’re legally covered by what’s called Section 75. That means if something goes wrong with your purchase, you could get the money back.
'Purchases' just means shopping
The 0% interest period doesn't apply to things like cash withdrawals or foreign spending fees.
Try to pay over the minimum if you can
While paying the minimum keeps your account active and protects your 0% promo rate, it will rarely clear the full balance before the 0% period ends.
How a 0% card could help with emergency costs and planned purchases
Planned big purchases
Funding home improvements or big buys can drain your savings. Instead, you can spread the cost over time with a 0% card.Surprise emergency costs
Whether it’s sudden car repairs or unexpected bills. A 0% purchase card could help cover the costs without dipping into your rainy day fund.No more high-interest credit
If you don’t clear your balance every month, the interest you’re paying can start to build up. 0% cards can help by not charging for what you borrow.
No impact on your credit score
Why go with Capital One for a 0% purchase card?
Check if you're eligible before applying
Get a straight 'yes' or 'no' answer, in about 60 seconds, with no impact on your credit score.
No yearly fees or card charges
We won’t charge you an annual fee for using the card. Plus the APR you’re offered after checking your eligibility is always the one you’ll get.
Extra protection on purchases
Buy something between £100 and £30,000 on a credit card and you’re legally covered by what’s called Section 75. That means if something goes wrong with your purchase, you could get the money back.
Representative example: Assuming a credit limit of £1,200 and an interest rate on purchases of 34.94% p.a. variable, you will receive a 34.9% APR representative variable.
0% interest credit card FAQs
What happens if I miss a monthly payment?
You need to avoid missing a payment. You won’t lose your 0% interest period, but you’ll likely be charged late fees and it could affect your credit score.
What happens when the 0% interest period ends?
Once the 0% interest period wraps up, any balance left over on your card will start accruing interest at your standard rate (we’ll show you this before you apply). Try to plan ahead, and pay over the minimum if you can.
How does Section 75 protect my large purchases?
When you use your credit card for a purchase between £100 and £30,000, your spends are legally protected under Section 75 of the Consumer Credit Act. It means that if a retailer goes bust, items aren't delivered, or goods are faulty, we are jointly responsible with the seller to refund your money. This gives you an added layer of security over debit cards or cash for big purchases. Things like home renovation costs, holiday bookings, or car repairs.
Can I use a 0% purchase card at a cash machine?
Technically yes you can, but that doesn’t mean you should. The 0% interest rate only applies to purchases, so you’ll be charged the standard interest rate (plus a fee) for taking cash out.
Can I transfer a balance to a 0% purchase card?
You can. Our 0% purchase cards also come with up to 12 months interest-free on balance transfers. That means that if you’ve got a big balance on a different credit card, you can move it over and pay no interest for up to a whole year.
Will applying for a 0% purchase card affect my credit score?
Checking your eligibility won’t affect your credit score. This is what’s known as a ‘soft search’. If you go on to apply however, that will be registered as a ‘hard search’ so will likely affect your score.
It’s easy in the app
Log in securely
Open the app using your face or fingerprint, no passwords needed.
Get PIN reminders
Check your PIN in the app, if it ever slips your mind.
Pay your way
Make payments fast with Pay by Bank or set up a Direct Debit. It’s up to you.
Guides and useful reads
How to choose a credit card
A credit card can play different roles in your financial life, depending on how you use it.
How does credit card interest work?
It's important to understand how it's calculated, as it can add up fast if you don't pay off your balance in full.
What is a credit check?
Find out everything you need to know, including the difference between soft and hard checks.