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0% Interest Credit Cards

Compare interest free purchase credit cards

  • Spread the cost of larger purchases interest free

  • See your personalised chance of being accepted

  • Representative 34.9% APR

MoneySuperMarket is a credit broker not a lender. You must be 18 or over and a UK resident. Representative 34.9% APR.

Check your eligibility today

Our best interest free credit cards

Discover our best 0% credit cards, sorted by the longest 0% period. Check your eligibility now.

Accurate as of Tuesday, 25 June 2024

Earn up to 15% cashback automatically when you spend at a range of participating retailers with Barclaycard Cashback Rewards. This is a new benefit, available to all Barclaycard Visa credit card customers. T&Cs apply

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Barclaycard

Platinum Purchase Offer

  • Purchases

    0% 21 months, then 24.9%

  • Rewards

    Entertainment


Representative example: If you spend £1,200 at a purchase rate of 24.9% (variable) p.a. your representative APR is 24.9% (variable)


Great for

  • 0% interest on purchases for 21 months from the date you open your account
  • 0% interest on balance transfers for 20 months from the date you open your account (3.45% fee applies). Transfers must be made within 60 days to benefit from the 0% offer
  • Earn up to 15% cashback automatically when you spend at a range of participating retailers with Barclaycard Cashback Rewards. This is a new benefit, available to all Barclaycard Visa credit card customers. T&Cs apply.

But be aware that

  • You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances
  • You must transfer a balance within the first 60 days to get the promotional offer

Pay no interest for 21 months from account opening on purchases and balance transfers you make in the first 60 days. Earn up to 15% cashback with selected retailers on your Credit Card purchases by registering for MBNA Smart Rewards. T&C’s Apply

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MBNA

Dual 0% Transfer and Purchase Credit Card

  • Purchases

    0% 21 months, then 24.9%

  • Rewards

    Cashback


Representative example: If you spend £1,200 at a purchase rate of 24.94% (variable) p.a. your representative APR is 24.9% (variable)


Great for

  • Transferring money to your current account with 0% interest for 12 months (4% fee applies)
  • Contactless payments for items up to £100
  • You could earn cashback with MBNA Smart Rewards – see provider site for more details

But be aware that

  • You might get different interest rates and promotional periods and fees to those shown here, because these depend on your circumstances
  • Balance transfers, money transfers and purchases must be made within the first 60 days to get the promotional offers
  • You can't transfer a balance from another card issued by MBNA

Pay no interest for 21 months from account opening on purchases and balance transfers you make in the first 60 days. Earn up to 15% cashback with selected retailers on your Credit Card purchases by registering for MBNA Smart Rewards. T&C’s Apply

provider logo

MBNA

Dual 0% Transfer and Purchase Credit Card

  • Purchases

    0% 21 months, then 26.9%

  • Rewards

    Cashback


Representative example: If you spend £1,200 at a purchase rate of 26.94% (variable) p.a. your representative APR is 26.9% (variable)


Great for

  • Pay no interest for 12 months from account opening on the money transfers you make in the first 60 days. Each money transfer is subject to a 4% fee
  • Contactless payments up to £100
  • You could earn cashback with MBNA Smart Rewards - see provider site for more details 

But be aware that

  • You might get different interest rates and promotional periods and fees to those shown here, because these depend on your circumstances
  • Balance transfers, money transfers and purchases must be made within the first 60 days to get the promotional offers
  • You can't transfer a balance from another card issued by MBNA

This is a selection of our top 3 interest free cards, ordered by longest 0% period.

We're 100% independent, working only for our customers

4.9 out of 5240,741 reviews

What is an interest-free credit card?

An interest free credit card lets you make purchases without being charged interest for a fixed period, such as three months, six months or even one year. That's in contrast to standard credit cards that add interest every month.

According to MoneySuperMarket data, the average credit limit for someone looking for an interest free credit card is £1500i, and our range of interest free cards can help you to spread the cost of that big-ticket purchase.

How do 0% credit cards work?  

  • Make that big purchase When you open a new 0% purchase credit card, you’ll usually have a few months to buy something interest free. After that, you’ll be charged interest. 

  • Zero interest for a fixed period Once you’ve made your purchase the card provider won’t apply interest for a fixed period. This could last for a few months, or up to almost two years. 

  • Pay it off in good time Do your best to pay off your balance within the 0% interest period. If you leave it too late, your interest rate shoots up and you could end up worse off. 

What are the pros and cons of interest free credit cards? 

Before you commit to a 0% interest card, it's vital you're aware of their pros and cons. Here's our whistlestop guide...

  • Tick

    Advantages

  • Cross

    Disadvantages

    • At the end of the interest-free period, your purchase card will revert to a much higher APR

    • If you exceed your credit limit you'll start paying interest

    • If you miss a payment, you may lose your 0% deal and could face a charge

How to choose the best purchase credit card

With so many different 0% purchase credit cards on the market it can be difficult to find the one that suits you best. Think about the following factors when you’re on the hunt for a new purchase card:

  • 1

    The interest-free period

    The more time you have to pay off your balance, the larger the purchase you can make. Remember, it is only purchases that are interest-free during this introductory period. 

  • 2

    The revert-to rate

    Once the interest-free period comes to an end the interest rate is likely to jump up. Try to pay off the balance before the higher rate kicks in or consider transferring your remaining balance to a new card. 

  • 3

    Look out for fees and penalties

    Some cards charge for late repayments or exceeding your limit, and others have usage fees. Check you’re happy with these fees. Then consider setting up a direct debit to avoid missing a monthly payment.   

Know where you stand with a pre-approved credit card

Applying for a credit card can sometimes feel daunting, because it’s not always clear what deal you’ll get, or if you’ll be accepted. But when you’re pre-approved for a credit card you can relax, because you know the deal you see is the deal you’ll get. You’ll know where you stand, with the facts at your fingertips to help you make the right choice for you.

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    Apply with confidence

    When you’re pre-approved, the interest rate, interest-free period and fee (if there is one) are all confirmed – the only thing not guaranteed is your credit limit.

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    Tailored to you

    You’ll see your unique, personalised chance of being approved for all credit cards, so you can easily compare all your options at a glance.

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    You’re in safe hands

    Knowing all this upfront puts you in the driving seat. You’re less likely to be turned down when you apply, so your credit score is protected.

Your credit score plays a part in the deal you get

When you apply for a 0% credit card, the lender will use your credit rating to decide whether to accept you, and what rates to offer you. Find out where you stand with our free Credit Monitor tool

Credit Monitor
Victoria Russell

Our expert says

"

A 0% purchase card gives you the option of paying for a big purchase without paying any interest. If you pay off the item within the 0% period, you are essentially borrowing the money for free.  That said, if you can’t pay it off in the 0% period, you will start paying interest on the balance and it’s likely to be expensive. If you won’t clear the card within the 0% card, it might not be the best option for you. As interest rates are currently at a 16 year-high, now could be an ideal time to this type of card, just make sure you pay attention to the small print.

"
- Victoria Russell , Money & Personal Finance Expert

We're 100% independent, working only for our customers

4.9 out of 5240,741 reviews

How to compare credit cards with MoneySupermarket

If you feel that a 0% purchase credit card could be right for you, the next step is to use the MoneySuperMarket Eligibility Checker to see what cards are available – and which are most likely to approve you

  • Icon-Clipboard-110x110

    Tell us about yourself

    We'll ask you a handful of simple questions about you and your financial circumstances, and what you need from a credit card

  • Icon-Search-110x110

    We browse the market

    We'll  sift through dozens of credit cards offers from across the market, and show you the cards we think will suit you best

  • Icon-Cards-110x110

    Pick the card you want

    You'll be shown a range of credit cards, which you'll be able to sort according to APR, features and your chances of being approved

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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.

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.

It's hard to say for sure if you'll get a 0% purchase card with bad credit. Here's what you need to know...

  • If you’ve had problems with debt in the past, such as missed repayments, you may find it harder to get a 0% purchase credit card with ideal terms

  • If you have a fair credit score you may find that you’re eligible for purchase credit cards with lower limits or shorter interest-free windows

  • You may not be eligible for any 0% interest card if your score is too low. Luckily you can build up your credit score with a credit card for bad credit

Representative 34.9% APR

0% interest purchase credit cards are only available to people over 18 years old, with a UK bank account, permanent UK address and a regular income. 

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.

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.

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