0% interest credit cards
Enjoy 0% interest on credit card purchases for up to 25^
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
M&S
Purchase Plus Credit Card
Representative example: If you spend £1,200.00 at a purchase rate of 28.9% (variable) p.a. your representative APR is 28.9% (variable)
Great for
-
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 and fees to those shown here, because these depend on your circumstances
Get 12 months Apple TV subscription. New customers only. Offer ends 10:00 28/05/2026. T&Cs apply. Only available through MONY Group
Barclaycard
Platinum Purchase Offer
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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0% interest on purchases for 24 months from the date you open your account
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0% interest on balance transfers for 21 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
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Register on the Barclays or Barclaycard App to earn cashback on your everyday spending at a range of participating retailers. T&Cs apply
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
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You must transfer a balance within the first 60 days to get the promotional offer
Winner of Credit Card Provider of the Year at the Moneyfacts Awards 2026
Lloyds Bank
0% Purchase and Balance Transfer Credit Card
Representative example: If you spend £1,200.00 at a purchase rate of 24.94% (variable) p.a. your representative APR is 24.9% (variable)
Great for
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If you're accepted, you'll get the interest rate and promotional period shown.
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Purchases and balance transfers will be at the promotional rate, providing you make them within the first 60 days of account opening
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Earn up to 15% cashback with selected retailers on your Credit Card purchases by registering for MBNA Smart Rewards. Retailer offers and cashback amounts vary. T&Cs apply
But be aware that
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You cannot transfer a balance from another credit card issued by MBNA. Balance transfers and purchases must be made within the first 60 days to get the promotional offers
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When the promotional offer ends and for purchases and balance transfers made after the first 60 days, your standard variable rates and fees at that time will apply
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If you need to update or change any information once on the lender's website, this could change their decision to offer this product
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
Winner of Credit Card Provider of the Year at the Moneyfacts Awards 2026
Lloyds Bank
0% Purchase and Balance Transfer Credit Card
Representative example: If you spend £1,200.00 at a purchase rate of 26.94% (variable) p.a. your representative APR is 26.9% (variable)
Great for
-
If you're accepted, you'll get the interest rate and promotional period shown.
-
Purchases and balance transfers will be at the promotional rate, providing you make them within the first 60 days of account opening
-
Earn up to 15% cashback with selected retailers on your Credit Card purchases by registering for MBNA Smart Rewards. Retailer offers and cashback amounts vary. T&Cs apply
But be aware that
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You cannot transfer a balance from another credit card issued by MBNA. Balance transfers and purchases must be made within the first 60 days to get the promotional offers
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When the promotional offer ends and for purchases and balance transfers made after the first 60 days, your standard variable rates and fees at that time will apply
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If you need to update or change any information once on the lender's website, this could change their decision to offer this product
With a Tesco Bank Credit Card, you’re guaranteed to get the promotional rate and APR shown if you are accepted. Just make sure the information you have provided is accurate
Tesco Bank
Purchase Credit Card
Representative example: If you spend £1,200.00 at a purchase rate of 29.9% (variable) p.a. your representative APR is 29.9% (variable)
Great for
-
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
-
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
-
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
-
You must earn at least £5,000 a year to be eligible for this card
With a Tesco Bank Credit Card, you’re guaranteed to get the promotional rate and APR shown if you are accepted. Just make sure the information you have provided is accurate
Tesco Bank
Purchase Credit Card
Representative example: If you spend £1,200.00 at a purchase rate of 31.9% (variable) p.a. your representative APR is 31.9% (variable)
Great for
-
Collect Tesco Clubcard points almost everywhere you use your card, on top of your usual Clubcard points in Tesco. Minimum spend applies.
-
You're eligible to apply for this card even if you've already got another Tesco Bank credit card.
-
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
-
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
-
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
-
You must earn at least £5,000 a year to be eligible for this card
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% interest credit cards from 23^ FCA-authorised providers
Why compare 0% cards at MoneySuperMarket?
We compare 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.
of MoneySuperMarket users were pre-approved for an interest free credit card.
for MoneySuperMarket users searching for a 0% credit card.
How much can a 0% card save you?
Use our calculator to see how much a 0% 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 family holiday and spreading the cost over time without incurring interest.
According to MoneySuperMarket data, the average credit limit for someone looking for an interest-free credit card is £2000
For example, if you purchase something for £2,000 on a card with a 33 month interest free period, you would have 33 months to repay the balance.
How do they work?
Apply for a credit card: You’ll be asked for personal details, such as your name and address, when you apply. You should also expect questions about your financial situation, such as your employment status and salary.
Introductory period spending: 0% credit cards offer a limited-time window where you won't pay interest on certain transactions, like purchases or balance transfers.
After the introductory period: Once the 0% period ends, you'll start paying interest at the standard APR on any remaining balance. To work out a budget for clearing your balance, use our credit card repayment calculator.
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 18 May 2026 by
Accurate as of 18 May 2026.
Selected providers. SuperSaveClub restrictions and T&Cs apply. Click here for details.
YouGov Survey 1st July 2024 to 30th June 2025. 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=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Based on the median guaranteed credit limit of users searching for credit cards to have interest free spending through MoneySuperMarket in April 2026, by the highest eligibility rating returned.
The number of providers for travel insurance in August 2025
Using the 10th percentile of premiums, based on a daily rate for an individual aged 30 with no pre-existing medical conditions, taking single trip cover for 3 days to France. Using Moneysupermarket policies sold between February 2026 and April 2026. Moneysupermarket data correct as of 2026-05-18.
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Data based on the median price of travel insurance sold through MoneySuperMarket in April 2026.
Based on an individual aged 30 with no pre-existing medical conditions, taking European cover. Cover starts on 12th April . Moneysupermarket data correct as of 09/04/2026
Data based on the average price of travel insurance sold through MoneySuperMarket for single trip cover in April 2026.
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
T&Cs and restrictions apply, see here for more information
Selected providers. SuperSaveClub restrictions and T&Cs apply. Click here for details.
Accurate as of 18 May 2026.
Based on the credit card enquirys with the aim to have interest free spending through MoneySuperMarket between February 2026 and April 2026.
