A purchase credit card is designed to help you shop. Whether it’s everyday essentials or bigger buys, these credit cards allow you to spread the cost over a period of time. Creditors even offer interest-free periods when you charge expenses to your card. This is an excellent way to save money.

If you’re considering applying for your first purchase credit card online, here’s an overview of the process that will hopefully make it less daunting:

Sainsbury’s Bank Purchase Credit Card

The Sainsbury’s Bank Purchase Credit Card has one of the longest 0% interest introductory periods. So if you are looking to make a large purchase and spread the cost over a year without having to pay interest, this card is ideal for you.

Before you apply, use the credit card eligibility checker on the website. All you have to do is answer a few simple questions to find out how good your chances are of being approved.

Next, complete the 2-step online application process – it only takes 10 minutes and is encrypted and secure. You will be asked to provide your Nectar card number during the application process (if you have one). You will also need to enter a mobile phone number, email address, and residential address along with details of your annual income.

Once you click ’Submit’, Sainsbury will carry out identity checks and/or make any other necessary inquiries. If your application is approved, you will receive confirmation of the same shortly.

MBNA Purchase Credit Card

To be eligible for an MBNA purchase credit card, you need to be a UK resident, aged 18 or over, with a regular income. Start the application process with Clever Check to find out if you’re eligible for a purchase card without affecting your credit rating. The check is completed in seconds and will show you your estimated credit limit, along with the MBNA credit cards you’re eligible to apply for. You may even get a pre-approved offer.

You can then compare your options and once you’ve found the right card, you can begin filling out your application.

The application process is simple and secure. If approved, your new card and PIN will be delivered within 7 days. Once it arrives in the mail, you’ll need to activate your card online.