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Post Office credit card offers best-buy interest-free purchases for more than two years to help spread the cost of big ticket items

Published: 05:21 EST, 24 July 2015 | Updated: 10:17 EST, 24 July 2015


Post Office Money has launched a new best-buy credit card, which charges no interest on purchases for more than two years -  and could help spread the cost of big ticket items.

The Matched Credit Card charges 0 per cent on purchases for 25 months. Balance transfers are also interest-free for the first 16 months, although a 2.98 per cent transfer cost applies.

The card has no annual fee and charges interest at 18.9 per cent after the promotional periods come to an end. Savvy shopping: Cardholders can take advantage of interest-free purchases for two years

Post Office Money says the card must be used to make a payment within three months of the account opening to qualify for the 25 month interest free purchase period.

If not, the window will be shortened to 16 months.

The card could be useful for those planning home improvements or large purchases and wanting to spread out repayments without adding to the debt.

As long as you are confident you can pay off the full amount within 25 months to avoid high interest rates, a 0 per cent purchase card could be a good option for you.

Customers can sign up online or at selected Post Office Branches across the UK.




Other credit card providers are offering similar interest-free deals on spending, but for slightly shorter time periods.

The Virgin All Round Credit Card charges 0 per cent interest for 24 months on both purchases and balance transfers, with a lower transfer fee of 1 per cent. The Virgin card also has a rate of 18.9 per cent after the promotion.

If you were looking for a slightly shorter purchase period and wanted to do balance transfers, this would be a cheaper deal than the Post Office card. Barclaycard Platinum is offering 0 per cent interest on balance transfers for three years

Another decent option is the Santander 123 Card which offers interest free purchases for 23 months.

There is no interest or fee for balance transfers for the same time period, and the card also offers cashback on certain spending.

There is a £24 annual fee, but there are ways of getting around this. Find out more here.

Meanwhile, customers who only need a short interest free purchase period but want to use ongoing back transfers could be better off elsewhere.

The Barclaycard Platinum Credit card with extended balance transfer offers interest free purchases for six months, but charges 0 per cent interest on balance transfers for three years, with a 2.39 per cent fee.

Customers must transfer a balance to the card within 60 days of opening the account to qualify.

Remember, the most attractive deals, such as Post office Money's latest offering, will naturally be the most popular - meaning providers get the pick of the bunch when it comes to accepting applications.

This can mean if you have a less-than-perfect credit rating you may not be accepted.

Providers only actually have to offer the advertised deal to 51 per cent of successful applicants, and Post office Money could offer higher interest than advertised, even to those accepted for the card.

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Post Office credit card offers interest-free purchases for 25 months to help spread the cost of big ticket items
 










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