Make purchases strategically
If you're planning a large purchase, make it on the first day of your billing cycle to maximise the interest-free period.
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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Compare 0% interest credit cards from 22^ FCA-authorised providers
Most users see cards they’re likely to be accepted for
70%^
of MoneySuperMarket users were pre-approved for an interest free credit card.
Average guaranteed credit limit of
£1000^
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 cardOur best 0% interest credit cards
Showing 8 out of 98 0% interest credit cards, sorted by the longest interest-free 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
-
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
-
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
-
Purchases and balance transfers must be made within the first 90 days to get the promotional offer
-
You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances
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
-
Contactless payments for items up to £100
-
You may be eligible to apply for this card even if you've already got another Lloyds credit card. Excludes Student and Classic credit card customers, conditions apply
But be aware that
-
Balance transfers must be made within the first 90 days to get the promotional offer
-
You can't transfer a balance from another card issued by Lloyds
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
-
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
-
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
-
Purchases and balance transfers must be made within the first 90 days to get the promotional offer
-
You might get different interest rates and promotional periods and fees to those shown here, because these depend on your circumstances
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
-
Contactless payments for items up to £100
But be aware that
-
Balance Transfers must be made within the first 90 days to get the promotional offer
-
You can't transfer a balance from another card issued by Lloyds
Pay no interest from account opening with 23 months on balance transfers and 23 months on purchases you make in the first 60 days.
MBNA
Dual 0% Transfer and Purchase 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
-
Pay no interest for 9 months from account opening on the money transfers you make in the first 60 days. Each money transfer is subject to a 4% fee
-
Earn up to 15% cashback with selected retailers on your credit card purchases by registering for MBNA Smart Rewards. T&Cs apply
-
You could earn cashback with MBNA Smart Rewards - see provider site for more details
But be aware that
-
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
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
-
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
-
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
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
-
0% interest on purchases for 24 months from the date you open your account
-
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
-
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
-
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 from account opening with 24 months on balance transfers and 24 months on purchases you make in the first 60 days.
MBNA
Dual 0% Transfer and Purchase 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
-
Transferring money to your current account with 0% interest for 9 months (4% fee applies)
-
Earn up to 15% cashback with selected retailers on your credit card purchases by registering for MBNA Smart Rewards. T&Cs apply
-
You could earn cashback with MBNA Smart Rewards – see provider site for more details
But be aware that
-
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
Showing our top 3 0% interest credit cards, ordered by longest 0% period. To compare all 98, check your eligibility.
What 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 £1000
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.
What to consider before getting a 0% interest credit card
If you don't pay back the minimum amount each month you may lose your promotional rate
Set up a direct debit to regularly pay the minimum monthly repayment.
Stay within your agreed credit limit, as this can also result in fees and a loss of any promotional rate.
Note when your promotional rate ends, as you might have a big balance to clear as interest kicks in
Plan ahead so you aren't taken by surprise with a big balance and no time to clear it
If, for example, you use your full credit limit of £2,000, divide that figure by how many months are left on your promotional rate and try and pay back that each month if you can
Your promotional interest free period will only apply to certain transactions
Most interest-free credit cards are for purchases, so withdrawing cash, transferring it to a current account, or making a balance transfer will incur interest.
Consider if an alternative credit card suits your needs better, like a balance transfer card or a money transfer card.
How to choose the best 0% interest card for spending
-
Look for the longest 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.
-
Check the revert-to rate
Once the interest-free period comes to an end the interest rate is likely to jump up to something closer to the base rate
^ . Try to pay off the balance before the higher rate kicks in or consider transferring your remaining balance to a new card. -
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.
What are the pros and cons of 0% interest credit cards?
-
Advantages
0% interest on your spending can help you spread the cost of larger purchases
If you buy something over £100 and under £30,000, you're protected through Section 75 of the Consumer Credit Act
Generally offer the option to transfer debt from high-interest credit cards
-
Disadvantages
At the end of the interest-free period, your purchase card will revert to a much higher interest rate
If you exceed your credit limit, or use it for any other purpose (like withdrawing cash), you'll start paying interest
If you miss a payment, you may lose your 0% deal and could face a charge
Am I eligible for a 0% interest credit card?
To be eligible for a 0% credit card in the UK, you’ll need to meet the following criteria:
Aged 18 years old or older
Hold a UK bank account
Be a UK resident
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.
Can I get an interest free credit card with bad credit?
While it might be possible to get a 0% credit card with a poor credit score, the terms will probably be less favourable:
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
Is an interest free purchase card right for me?
An interest-free purchase card can be a good option for you if:
Have existing credit card debt: A 0% purchase card can help you consolidate your existing debt and make larger, planned purchases
Can repay within the 0% period: If you have a solid plan to repay the balance before the interest-free period ends, the card can be a smart financial tool
Need a short-term credit option: 0% purchase cards are ideal for short-term borrowing, especially for large, planned purchases
However, it's 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.
How to use 0% credit cards
Here are some of the ways to get the most out of your interest free card:
-
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Avoid cash withdrawals
Using a credit card for cash withdrawals is not part of the 0% deal and will typically incur interest charges.
-
Plan your repayments
Calculate the required monthly repayment by dividing the purchase across the number of 0% interest months and pay the minimum repayment amount on time each month to avoid charges.
Want rewards, cashback and free experiences? We've got you....
-
Earn up to £20^ every time you buy
We’ll reward you every time you make a purchase. Exchange your earnings for a gift card for Amazon.co.uk
^ , Sainsbury’s & more -
Free experiences
A year's worth of free experiences across the UK. From London Zoo and Go Ape, to Hussle Swimming and English Heritage, there’s an adventure for everybody. Worth £180
^ . -
Cashback
Whether you're buying clothing, homewares or takeaways, earn up to 10%
^ cashback from brands like Just Eat, eBay & Argos. -
Refer a friend
You and your friends each get up to £20 when they join the Club and make a qualifying purchase. Win-Win!
Our expert says…
A 0% interest credit 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. Just make sure you pay attention to the small print.
Kara Gammell Personal Finance & Insurance Expert
What are the alternatives to 0% purchase cards?
Here are some other options to interest free purchase credit cards:
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Balance transfer cards
These 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.
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Money transfer cards
These cards allow you to transfer funds from your bank account to the credit card and avoid interest on that transfer for a limited time.
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Rewards credit cards
Earn points or cash back on purchases, providing value through perks rather than low interest rates; best for those who pay in full monthly.
How to compare 0% interest credit cards with MoneySuperMarket
-
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
-
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
-
Pick the card you want
You'll be shown a range of cards, which you'll be able to sort according to APR, features and your chances of being approved
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MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
Credit card guides and expert tips
For more expert guidance on managing a credit card, stay up to date with our latest guides.
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 22 Apr 2026 by
Accurate as of 21 April 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 March 2026, by the highest eligibility rating returned.
The base rate or 'Bank Rate' is the official interest rate set by the Bank of England that guides banks and lenders.
The base rate is currently 3.75%, following a .25% cut in December 2025.
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
T&Cs and restrictions apply, see here for more information
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information
Accurate as of 21 April 2026.
Based on the credit card enquirys with the aim to have interest free spending through MoneySuperMarket between January 2026 and March 2026.
