Best 0% Credit Cards
Up to 26 mths' interest-free spending

Do it right and credit cards are the cheapest way to borrow. You can get 0% for up to 26 months on new purchases – yet get it wrong and you'll be stuck in debt for years. We've all the key info...
How do 0% spending cards work?
A 0% spending card is simply a card you can use to make purchases that you pay no interest on for a set number of months (length varies by card). If you need to borrow, eg, to replace a worn sofa or old fridge, then used correctly, 0% cards are cheaper than loans. But make sure you read our golden rules below to prevent a debt nightmare.
Use our eligibility calculator to find cards you're most likely to get, without hitting your credit score
Making an application is recorded on your credit file. While a single one is not a big problem, especially if you've a good credit score, lots in a short time are problematic.
So use our 0% Spending Cards Eligibility Calculator to show cards you're most likely to get, so you don't waste an application. And it's NOT recorded as a hard search on your credit report, though it will be if you then go on to apply on the lender's site.
Best 0% credit cards
Here are the top deals, though you'll need a good credit score to get 'em. If yours is patchy, there are cards for poorer scorers in the section below. But, it's worth using our 0% Spending Cards Eligibility Calculator before applying for any of them to see which cards are likely to accept you. And, don't worry, using it doesn't affect your credit score.
Longest 0% period as long you spend in the first 60 days, but you could get fewer interest-free months
This card from MBNA* offers a long 0% period on spending of up to 26 months, but crucially only on purchases made in the first 60 days – so don't spend on it after that. However, if you've a poorer credit score, you could be accepted and offered 15 months at 0%, which isn't as good a deal.
Important: Clear card in full by end of 0% period to avoid interest (always pay at least the monthly minimum repayment or you'll lose the 0% deal)
Minimum repayment: Greater of 1% of balance plus interest or £25
See how likely it is you'll get this card
Or just go straight to the lender
Long 0% period, but you could get fewer interest-free months
This Barclaycard* offers a long 0% period on spending of up to 25 months, though you could be accepted and offered fewer months at 0% (you won't be accepted if you've had a Barclaycard in the last six months).
0% spending length: Up to 25 months
Important: Clear card in full by end of 0% period to avoid interest (always pay at least the monthly minimum repayment) & don't withdraw cash on this card
Minimum income: N/A
Representative APR (variable): 21.9% (See Official APR Examples)
Minimum repayment: Greatest of 1% of balance plus interest, 2.5% of balance or £5
See how likely it is you'll get this card
Or just go straight to the lender
More long 0% purchase cards
CARD | 0% LENGTH | REPRESENTATIVE VARIABLE APR AFTER | ELIGIBILITY |
---|---|---|---|
Bank of Ireland UK | 24 mths | 19.9% | - |
Tesco Bank | Up to 24 mths (1) | 19.9% | - |
Sainsbury's Bank* - Plus up to £37.50 in Nectar points (1) | Up to 22 months (2) | 20.9% | You can use our eligibility calculator for this card |
See all Official APR Examples. (1) Poorer credit scorers could get fewer months. (2) You could be accepted and offered fewer (18 or 14) 0% months. |
Best 0% credit cards for poor credit scorers
If that's you, the cards above aren't likely to be open to you (use our eligibility calculator first to check). Yet the cards below give some options but offer short 0% periods. To help (re)build your credit, also read our Credit Cards for Bad Credit guide.
The Capital One Classic Complete* is a good option for poorer credit scorers. It offers new customers a four-month 0% spending period which can be used to give a respite from existing debts (see below).
Representative APR (variable): 34.9% (see Official APR Examples)
Minimum income: N/A
Important: Repay IN FULL every month to avoid interest, and don't miss a payment or bust your credit limit as you'll be charged a fee and get a mark on your credit file
Accepts CCJs? Yes, provided they're a year old or more
Accepts bankruptcies? Yes, provided it's a year old or more
Minimum repayment: Greater of 3% of balance plus interest or £5
See how likely it is you'll get this card
Or just go straight to the lender
This card from Amazon is a good option for poorer credit scorers. It offers new customers a £20 Amazon voucher upon acceptance and a three-month 0% spending period.
Representative APR (variable): 29.9% (see Official APR Examples)
Minimum income: N/A
Important: Repay in full before the end of the 0% period to avoid interest, then pay off IN FULL every month. Plus, don't miss a payment or bust your credit limit as you'll be charged a fee and get a mark on your credit file
Minimum repayment: Greater of 1% of balance plus interest, or £5
Go straight to the lender
Cashback sites may pay you for signing up
As an extra boon, members of specialist cashback websites can be paid when they sign up to some financial products. Do check that it's exactly the same deal though, as terms can be different. And remember the cashback is never 100% guaranteed until it's in your account.
Full help to take advantage of this and pros and cons in our Top Cashback Sites guide.
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