What is a 0% purchase credit card?
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In short: A card charging no interest on new purchases for a promotional period — often 12–24 months. Minimum payments still apply; standard APR hits any balance left when the promo ends.
Last reviewed:
Reviewed by Kaiser Khan
Best for planned spending you can clear within the window — not for long-term debt.
Do not confuse with 0% balance transfer cards, which charge on new spending.
See 0% credit cards explained.
Primary source: fca.org.uk/consumers/credit-cards
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