The average representative APR is 24.90%[6]
You should aim to clear your balance before the 0% term ends, otherwise you'll start paying interest on your balance.
0% interest credit cards
Enjoy 0% interest on credit card purchases for up to 26[1] months.
MoneySuperMarket is a credit broker not a lender. You must be 18 or over and a UK resident. Representative 24.9% APR
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Our best 0% interest credit cards
Compare our best interest free credit cards, sorted by the longest 0% period. Check your eligibility now to compare all cards.
M&S
Purchase Plus Credit Card
Representative example: If you spend £1,200.00 at a purchase rate of 24.9% (variable) p.a. your representative APR is 24.9% (variable)
Great for
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1 point will be earned for every £5 spent
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Points will be converted into reward vouchers four times a year and sent to the customers with the Loyalty statement. Remaining points will be carried over to the next collection period
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Rewards vouchers can be redeemed in all Marks and Spencer's UK stores and online. Points cannot be exchanged for cash or gift vouchers. 1 point = 1p (min 100pts)
But be aware that
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Purchases and balance transfers must be made within the first 90 days to get the promotional offer
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You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances
HSBC
Purchase Plus Credit Card
Representative example: If you spend £1,200.00 at a purchase rate of 24.9% (variable) p.a. your representative APR is 24.9% (variable)
Great for
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If you’re accepted, you’ll get 20 months at 0% on purchases and 17 months at 0% balance transfers, as long as you transfer the balance in the first 60 days
But be aware that
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You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances. Balance transfers must be made within the first 60 days to get the promotional offer
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You can't transfer a balance from another card issued by HSBC, First Direct or M&S Bank. You must earn at least £6,800 a year to be eligible for this card
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You'll have to pay a balance transfer fee of 3.49% or £5, whichever is higher
Tesco Bank
Purchase Credit Card
Representative example: If you spend £1,200.00 at a purchase rate of 26.9% (variable) p.a. your representative APR is 26.9% (variable)
Great for
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Collect Tesco Clubcard points almost everywhere you use your card, on top of your usual Clubcard points in Tesco. Minimum spend applies.
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You're eligible to apply for this card even if you've already got another Tesco Bank credit card
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0% interest on purchases for the first 22 months. 0% interest on money transfers for the first 9 months (for transfers made within the first 90 days from account opening). Money transfer fee of 3.99%
But be aware that
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Unless you are pre approved, you might get a different interest rate or promotional period to those shown here, because this depends on your circumstances
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Money transfers must be made within the first 90 days to get the promotional offer. You can transfer up to 95% of your available credit limit
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You must earn at least £5,000 a year to be eligible for this card
Virgin Money
All Round Credit Card
Representative example: If you spend £1,200.00 at a purchase rate of 24.9% (variable) p.a. your representative APR is 24.9% (variable)
Great for
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Earn up to 15% cashback at selected top retailers. You’ll just need to sign up for Virgin Money Cashback in the Virgin Money app
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Contactless payments on purchases up to £100
But be aware that
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You cannot transfer a balance from another Nationwide Building Society or Virgin Money credit card or from non-UK financial organisations, or store cards which don’t have VISA or Mastercard logo
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Balance transfers and Money Transfers must be made within the first 60 days to get the promotional offer
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You must earn at least £7,000 a year to be eligible for this card
Santander
All in One Credit Card
Representative example: If you spend £1,200.00 at a purchase rate of 23.9% (variable) p.a. your representative APR is 29.8% (variable)
Great for
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No fee for transferring a balance. No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency. A cash withdrawal fee of 3% (minimum £3) applies
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Earn 0.5% cashback (up to £10 a month) on all your purchases
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Get cashback, vouchers, prize draws and other offers personalised with Santander Boosts
But be aware that
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There is a £3 monthly fee
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You can't transfer a balance from another card issued by Santander, including Cahoot
Vanquis Bank
Vanquis 9 month Purchase Credit Card
Representative example: If you spend £1,200.00 at a purchase rate of 30.5% (variable) p.a. your representative APR is 30.5% (variable)
Great for
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0% interest on purchases for 9 months. First purchase must be made within 3 months of opening your account to receive the 9 month purchase offer
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A range of card colours to choose from
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Manage your account 24/7 in the Vanquis app wherever you are. Plus access your card and add it to your digital wallet before it arrives in the post
But be aware that
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You will not be eligible for a Vanquis Credit Card if you already have an Aquis, Chrome, Origin, Vanquis, thimbl or Granite credit card
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Purchases must be made within the first 9 months to get the promotional offer
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To apply you cannot be currently bankrupt or have an active Individual Voluntary Agreement (IVA). You must be 18 years or older to apply.
The following is an example of a 0% credit card deal you may be able to get with a bad credit score. The actual terms you get will depend on your individual circumstances.
Example
Interest free credit card representative example
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Interest free period
0% for 5 months then 29.9% p.a. Variable thereafter
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Representative APR
29.9% APR
Representative example: if you spend £1,200 at a purchase rate of 29.9% p.a. (variable) your representative rate will be 29.9% APR (variable)
Compare 0% purchase credit cards from 24[1] FCA-authorised providers
Why compare 0% cards at MoneySuperMarket?
MoneySuperMarket compares cards from leading UK providers to help you find a 0% deal that suits your spending plans.
You can check your eligibility with a soft search that won’t affect your credit score, and compare cards by promotional period, rewards, and approval chances. We’ll only show cards from FCA-regulated providers, so you can compare with confidence.
Want to know more? Find out more about MoneySuperMarket or read our editorial guidelines.
What can you expect from our 0% purchase cards?
These figures are based on MoneySuperMarket 0% credit card comparisons and are for guidance only. The credit limit, interest rate, and 0% period you’re offered will depend on your credit history, financial circumstances and the lender’s criteria.
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The average credit limit is £1000[7]
Your credit limit is the maximum amount you can borrow and will depend on your circumstances and the lender’s assessment.
How much can a 0% card save you?
Use our calculator to see how much a 0% purchase credit card can save you, and how much quicker the balance will be paid off compared to a regular credit card.
This calculator assumes a 0% period of 25 months.
£
%
This rate of interest determines how much it costs for you to borrow on the credit card.
You should be able to find it on your statement, usually in a summary box on the back. Unless you have changed cards recently, it's likely to be between about 14.9% and 29.9%.
If you can't find it, get in touch with your card provider - they will be able to tell you simply and quickly.
£
Enter the size of the payment you expect to make each month.
Please enter a valid number
You'll need to repay more each month to pay off the card within the next 20 years
Results
You could save £200 by using an interest free credit card.
| Regular credit card | Interest free credit card | |
|---|---|---|
| Monthly cost | ‐ | ‐ |
| Time to clear balance | ‐ | ‐ |
| Last installment | ‐ | ‐ |
| Interest cost | ‐ | ‐ |
| Total cost | ‐ | ‐ |
* If you do not pay off your balance within the promotional period, you will then be charged interest. For calculation purposes, we've used the interest rate you entered above.
Find a cardWhat is a 0% interest credit card?
An interest-free credit card lets you make purchases without being charged interest for a fixed period.
These cards are ideal for making bigger purchases like furniture or a family holiday and spreading the cost over time without incurring interest.
According to MoneySuperMarket data, the average guaranteed credit limit for users comparing 0% cards is £1000[7].
How do they work?
Use the card to make eligible purchases during the 0% interest period
Make at least the minimum repayment each month
Pay off the balance before the 0% offer ends to avoid interest charges
Am I eligible for a 0% credit card?
To be eligible you will need to:
Be aged 18 years old or older
Be a UK resident with a UK bank account
Have a regular income
Your credit score and financial history also play a factor in whether or not you'll be eligible for an interest free card.
Our expert says…
A useful way to spread the cost of a large purchase
A 0% interest credit card can be a useful way to spread the cost of a large purchase without paying interest. If you clear the balance within the promotional period, you’re effectively borrowing for free.
Before applying, make sure you have a plan to repay the balance before the 0% offer ends, as interest charges can increase significantly afterwards.
It’s also important to make at least the minimum monthly repayment and check the terms carefully, as the promotional rate may only apply to certain types of spending.
Kara Gammell Personal Finance & Insurance Expert
Is an interest free purchase card right for me?
A 0% purchase card could suit you if you:
Want to spread the cost of a planned purchase
Can repay the balance before the 0% period ends
Need a short-term borrowing option without interest charges
But keep in mind:
Interest rates can be high after the promotional period
Missing repayments could end your 0% offer
It may not be suitable for long-term borrowing
An interest free purchase card is not a suitable choice for everyone, and you need to be aware of potential downsides, including the high interest rates that kick in after the promotional period and the risk of overspending.
Alternatives to 0% purchase cards
Here are some other options to interest free purchase credit cards:
Balance transfer cards are designed to help you transfer existing credit card debt and avoid interest on that balance for a set period, making repayments more affordable.
Money transfer cards allow you to transfer funds from your bank account to the credit card and avoid interest on that transfer for a limited time.
Rewards credit cards allow you to earn points or cash back on purchases, providing value through perks rather than low interest rates; best for those who pay in full monthly.
Learn more about credit cards
Want to understand more about how credit cards work? Explore our guides on credit card protection, refunds, and repayments.
Compare more than just interest free credit cards
What happens after the interest free period ends?
Once the 0% period ends, the interest rate will go back to the variable interest rate. This means you’ll be charged the variable rate on your unpaid balance and future purchases.
Your credit card company should notify you when the interest-free period is coming to an end so you’re not caught off guard. It’s important to remember that once the 0% period finishes, using your credit card may be more expensive if you don’t clear your balance in full.
It’s a good idea to prepare for the 0% period ending by clearing your balance and making sure your future credit card payments are manageable.
What happens if I miss a repayment?
If you miss a repayment on your 0% interest purchase credit card, you’ll likely lose your 0% interest rate – which means you’ll be put on your lender’s standard variable instead, which is usually much higher. You may also have to pay a fee or charge, depending on your lender.
What does APR mean?
APR stands for annual percentage rate, and it represents the total cost of the loan – including the interest you’ll pay as well as any additional fees and charges.
How can I increase my credit limit?
If you want to increase your credit limit you can contact your lender and ask them to raise it, but you should only do this once you’ve used your card for a while and demonstrated that you can borrow and repay money sensibly.
Your lender may offer a credit limit increase if you’ve been with them for a long period of time, but you don’t always have to accept – you can ask them for a smaller increase, or reject it altogether.
Am I protected if I pay by credit card?
Yes, credit card purchases over £100 and under £30,000 are protected by Section 75. This consumer protection means your credit card provider shares equal responsibility with the seller if there’s an issue with what you bought, or the company you’ve purchased from goes bust.
What’s the difference between a 0% purchase card and a balance transfer card?
A 0% purchase card is designed for new spending, letting you spread the cost of purchases without paying interest for a set period. A balance transfer card helps you move existing debt from one or more cards to a new card with a 0% interest rate, so you can pay it off more cheaply.
Reviewed on 15 Oct 2026 by
Sources and supporting information
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[1]
Accurate as of 13 October 2026.
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[2]
SuperSaveClub restrictions and T&Cs apply. Click here for details.
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[3]
Selected providers. SuperSaveClub restrictions and T&Cs apply. Click here for details.
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[4]
YouGov Survey 1st July 2025 to 30th June 2026. Net Recommend score derived from "Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?" Base: Current Customers of (MoneySuperMarket n=17,883, Compare the Market n=16,193, Go.Compare n=8,523, Confused.com n=7,918, Uswitch n=514)
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[5]
Based on the credit card enquiries with the aim to have interest free spending through MoneySuperMarket between July 2026 and September 2026.
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[6]
Based on the median Representative APR of users searching for credit cards to have interest free spending through MoneySuperMarket on 12 October 2026, by the highest eligibility rating returned.
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[7]
Based on the median guaranteed credit limit of users searching for credit cards to have interest free spending through MoneySuperMarket in September 2026, by the highest eligibility rating returned.
