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Best 0% Credit Cards

Up to 31 mths' interest-free spending

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Martin

Updated Daily

0% credit cards

Do it right and credit cards are the cheapest way to borrow. You can get 0% for up to 31 months – yet get it wrong and you'll be stuck in debt for years.

This is a step-by-step guide, updated daily, to the cheapest credit cards for new borrowing and how to use them, saving you £1,000s.

The seven golden rules

If you need to borrow for a defined purchase, then used correctly, credit cards are cheaper than loans. This may be for a football season ticket, where it works out cheaper than forking out for individual matches; you may need a new sofa as the old one's kaput; or it might be to pay for a year's car insurance as the insurer's interest rate for paying by the month is huge.

Before you get a 0% purchases card, there are seven things you need to know. Get this wrong and it can cost you large, so please read the following (even if you only have time to read and remember the headlines it should help protect your pocket).

  • Debt's like fire. Used well, it's great. Used badly, you'll get burned

    Unless you're financially disciplined and doing it tactically for stoozing, it's always worth borrowing as little as you need, and where possible, using savings instead of borrowing. Man holding warning sign

    The worst thing to do with a credit card is to use it to fill the gaps your income doesn't meet each month. That will see borrowings constantly grow and can leave you in a debt spiral (see the Stop Spending guide for more).

    If you definitely need a card, watch out for the following...

    Want to cut existing debt costs?

    Don't use cards to supplement day-to-day spending

    Have you budgeted and planned repayments?

  • Make AT LEAST the monthly minimum repayments (preferably more)

    Ensure you set up a direct debit for at least the minimum repayment as soon as you are accepted. Even though you're paying 0%, you still need to make repayments. If you miss one, you'll lose your 0% deal, so the rate will jump and you'll get a £12 charge.

    However, don't almost clear your card in full – clear it IN FULL if you can. For example, if you've £1,000 debt from spending on a credit card and pay off £999, the fact it's not cleared IN FULL means you pay a month's interest on the whole amount.

    So if you can nearly clear your card, do what you can to totally clear it (even if it's a 0% spending card it's a good habit to get into).

  • Clear the card within the 0% period

    Go even one month beyond the promotional period and the rate rockets, so calculate the amount needed to clear the balance by then. For example, borrow £600 on a year's 0% card, divide the spend by the number of months (£600 / 12) to get the monthly repayment – in this case £50 – and set up a direct debit to do that.

    It may seem obvious, but it's incredibly vital you make a note of the 0% end dates to make sure you pay off the debt in time, or be ready to switch to a new Best Balance Transfer deal. If you forget to switch when the deal ends, the interest cost will swiftly outweigh the card's benefit.

    Quick questions

    What can I do if I can't pay off my debt within the 0% period?

  • Use our eligibility calculator before applying for a speedy check of which cards you're most likely to get – and protect your credit score

    Usually, the only way to know if you'll be accepted is to apply, but each application marks your credit file. But our 0% spending eligibility calculator quickly shows your odds of getting almost every top 0% spending card so you can find the ones most likely to accept you, thus minimising applications.

    Quick questions

    How does the eligibility calculator work?

    Will credit scoring affect the deal I get and my credit limit?

  • Or join our Credit Club for a full credit health check, including free your Experian Credit Report, Affordability Score and Credit Hit Rate

    The new MSE Credit Club is a game-changer. For years the credit market has been shrouded in mystery but our revolutionary tool brings together the key components to give you the full picture, and crucially, what it means for your acceptance chances and how to boost your creditworthiness.

    A credit score alone isn't enough to borrow, as there are other factors at play (it's why many with perfect scores still get rejected). Credit Club shows you...

    1. Free Experian Credit Report – your credit accounts and how you've managed them.
    2. Free Experian Credit Score – how lenders rate your past credit behaviour.
    3. MSE Affordability Score – how lenders assess if you can afford a product.
    4. Your Credit Hit Rate –
    how likely you actually are to be accepted when you apply.
    5. Credit Card & Loan Eligibility Calcs
    – what your odds are of getting specific top deals.
    6. How to improve your credit profile – we show where your profile's strong and weak, and how to improve it.

  • Know 'up to' deals mean you might not get the headline deal you apply for

    There's a catch to watch out for. Some card firms give those with lesser credit histories fewer months at 0% than they advertise. You could, say, apply for a 25-month 0% spending deal, be accepted but given a fewer 12 months at 0%.

    We highlight cards that do this by putting 'up to' before their headline offer, and tell you the other 0% lengths they may offer in the write-ups of the products below.

    Quick question

    Is there any way to know what deal I will get before I apply?

    Why do lenders give some applicants worse deals?

  • If you're careful, you can use the card like a loan

    A 0% spending card card be used instead of a loan, and is a cheaper way of borrowing as long as you clear the card before the interest-free period ends. Make sure you spend ONLY your loan amount, consider stashing your card in a waterproof bag, then pop it in a bowl of water and in the freezer (that way you put your spending on the card on ice and won't be tempted to use it again).

    The main difference between a loan and a credit card is that loans have structured repayments. The amount you pay back each month is fixed, so you clear the debt in a set time. Therefore to truly replicate the discipline of a loan, you need to repay a fixed amount each month.

    The easiest way to do this is by setting up a direct debit - divide the total loan amount by the number of 0% months, and set it to pay off that much each month so it's clear by the time the card starts charging interest.

Best BuysLongest 0% credit cards

The main aim is to find the card which will give you the longest 0% introductory deal without charging an annual fee. The 'go to' rate that cards jump to after the 0% periods are also listed. But as it's best to pay these cards off by the time the 0% ends, or balance transfer any remaining debt to another 0% card, this shouldn't affect you.

Sainsbury's card

Longest 0% period and earn £50 in bonus Nectar pts if you spend £350 in Sainsbury's

Sainsbury's* Nectar – 31 months 0% (18.9% rep APR after)

This Sainsbury's* card offers the longest 0% spending period, and if accepted you'll definitely get the full 31 months. You'll also earn Nectar points on all spending.

Plus, you'll get 1,000 bonus Nectar points worth £5 each time you spend £35+ in Sainsbury's in the first two months from receiving your card (max 10,000 points, worth £50). Doing a big shop? You can split it into smaller £35 chunks to max the bonus, getting 1,000 points on each transaction.

Need-to-knows
  • New customers applying by Thu 28 Dec will get 1,000 bonus Nectar points worth £5 each time they spend £35+ in Sainsbury's in the first two months from receiving their card – but don't use this as an excuse to spend more than you normally would.
  • You can also shop online at Sainsbury's to trigger the points bonuses, but buying fuel at Sainsbury's petrol stations doesn't count.
  • You need to give your Nectar card number when you apply for the credit card.
  • The bonus points will be added to your Nectar account within two months of the end of the offer period.
  • You get two points per £1 spent on Sainsbury's shopping and fuel, and one point per £5 spent elsewhere.
  • Make sure you fully clear the card(s) by the end of the 31 months or you'll be charged 18.9% interest on any remaining balance. Poorer credit scorers may get 21.9% or 28.9%.
  • You'll either get the full 31-month deal or you'll get rejected, unlike some cards in this guide where you may be accepted for the card, but given a shorter period at 0%.
  • Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
Eligibility Calculator
(MSE's free tool)
APPLY*
(at lender site)

Protect your credit score and check chances of getting card

Stats box
  • Spending length: 31 months 0% | Card issuer: Mastercard | Min income: N/A
  • Rep variable APR: 18.9% (see Official APR Examples)
  • Minimum repayment: Greater of 1% of balance plus interest, 2.25% or £5
Santander - 30 MONTHS

Long 0% spending card

Santander* – 30 months 0% (18.9% rep APR after)

This Santander* card offers one fewer 0% month than the longest card, but if you're accepted for the card you'll definitely get the full 30 months.

You can also earn cashback at certain retailers of up to 25%, though don't use the offers to tempt you to buy anything you don't need.

Need-to-knows
  • You'll either get the full 30-month deal or you'll get rejected, unlike some cards in this guide where you may be accepted for the card, but given a shorter period at 0%.
  • Make sure you fully clear the card(s) by the end of the 30 months or you'll be charged 18.9% APR on any remaining balance.
  • This card also offers balance transfers for 30 months at 0%, though you'll pay a 2.75% fee to transfer your debt to the card.
  • Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
Eligibility Calculator
(MSE's free tool)
APPLY*
(at lender site)

Protect your credit score and check chances of getting card

Stats box
  • Spending length: 30 months 0% | Card issuer: Mastercard | Min income: £7,500
  • Rep variable APR: 18.9% (see Official APR Examples)
  • Minimum repayment: Greater of 1% of balance plus interest, or £5
Post Office - 30 MONTHS 0%

Long 0% spending card

Post Office* – 30 months 0% (18.9% rep APR after)

This Post Office* card offers the same 0% period as the Santander card above, and like that one will give you the full 0% period if accepted.

Need-to-knows
  • You'll either get the full 30-month deal or you'll get rejected, unlike some cards in this guide where you may be accepted for the card, but given a shorter period at 0%.
  • Make sure you fully clear the card(s) by the end of the 30 months or you'll be charged 18.9% interest on any remaining balance, though some poorer credit scorers could pay 22.9%.
  • This card also offers balance transfers for 30 months at 0%, though you'll pay a 2.75% fee to transfer your debt to the card.
  • Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
Stats box
  • Spending length: 30 months 0% | Card issuer: Mastercard | Min income: £8,000
  • Rep variable APR: 18.9% (see Official APR Examples)
  • Minimum repayment: Greater of 1% of balance plus interest, 2.5% or £5

Best Buys Other long 0% purchase cards

Card 0% length Representative variable APR after Eligibility
Tesco BankTesco Bank Up to 30mths (1) 18.9% -
Halifax*Halifax Up to 30mths (1) 18.9% You can use our eligibility calculator for this card
LloydsMBNA 29mths 18.9% -
Virgin MoneyVirgin Money 28mths 19.9% -
NubaNuba Up to 28mths (1) 18.9% -
MBNAMBNA Up to 28mths (1) 19.9% -
See all Official APR Examples. (1) Poorer credit scorers could get fewer months.

Best Buys 0% credit cards for poor credit

If you've a history of poor credit, the cards above aren't likely to be open to you (use our eligibility calculator first to check). These cards offer short 0% periods and are designed for people with poorer credit histories. If you're just looking for a card to (re)build your credit, read our Credit Cards for Bad Credit guide.

Aqua

Six month 0% spending period

Aqua*

This card from Aqua* is a good option for poorer credit scorers. It offers a six month 0% spending period which can be used to give a respite from existing debts (see below).

Helpfully, our eligibility calculator can tell you if you're pre-approved for this card.

Need-to-knows
  • Even during the 0%, you MUST still make at least the monthly minimum repayments (preferably more) – 0% doesn't mean nothing to pay. If you miss a payment or bust your credit limit you'll get a mark on your credit score and be charged a fee.
  • You need to be super-organised and repay the card IN FULL BEFORE the 0% ends. If you don't clear the card before the six-month 0%-interest period ends you'll be charged a hefty 34.9% representative APR on any balance left. Some people accepted for the card may get even higher APRs, up to 59.9%.
  • Your credit limit will start between £250 and £1,200. If you pay on time and don't bust your limit, Aqua could increase your credit limit on your fourth statement.
  • Marbles (eligibility calc / apply*), issued by the same provider as Aqua, offers a card with 0% for five months (34.9% APR after) – just one month less than this Aqua card.
  • You get free credit reports/alerts with this card, helping you keep track of your credit rating.
  • You won't be able to get this if you already have an Aqua card.

How to use this card for respite from bank charges and payday loans

Eligibility Calculator
(MSE's free tool)
APPLY*
(at lender site)

Protect your credit score and check chances of getting card

Stats box
  • Rate: 34.9% representative APR (see official APR example)
  • Min income: N/A | Card issuer: Mastercard
  • Accepts defaults? Yes, provided they're a year old or more
  • Accepts CCJs? Yes, provided they're a year old or more
  • Accepts bankruptcies? Yes, provided it's 18 months old or more
  • Minimum repayment: Greater of 1% of balance plus interest, or £5
Key questions

What is the free credit report? Aqua appointed Noddle as its credit checker so you'll get access to its online credit report. Noddle does offer free access to a limited credit report, but the one included with the Aqua card typically costs from £5-£15 a month.

You'll also be signed up to receive Noddle Alerts, which highlight any significant changes to your credit report by sending you an email. Finally, you get Noddle Improve, which is a credit score with added tips on how you can improve it if it comes up a little low.

What's pre-approval? Aqua has provided us with info so we can tell many people that they've a 100% chance of getting this exact deal (subject to passing its ID and fraud check). There's no impact on your credit score, though of course if you then apply, that marks your file.

Cap One

Four months 0% spending period while rebuilding your credit

Capital One Classic Complete*

This card from Capital One* can help you repair your credit history and also offers four months 0% on spending. This can be used to give you respite from existing debts (see below on how to do this).

Need-to-knows
  • This card is only available through our link or at MoneySupermarket (we're part of the same group).
  • Even during the 0% period, you MUST still make at least the monthly minimum repayments (preferably more) – 0% doesn't mean nothing to pay.
  • Outside of the 0% period make sure you clear the card IN FULL or you'll pay a horrid 34.9% interest on any balance left over.
  • Credit limits start from £200 to £1,500.
  • This card also offers 0% on balance transfers for four months which could give you a respite from existing debts, though there's a hefty 3% fee.
  • If your credit score improves, see our 0% Spending Cards guide.

How to use this card for respite from bank charges and payday loans

Eligibility Calculator
(MSE's free tool)
APPLY*
(at lender site)

Protect your credit score and check chances of getting card

Stats box
  • Rate: 34.9% representative APR (see official APR example)
  • Min income: N/A | Card issuer: Mastercard
  • Accepts defaults? Yes, provided they're a year or more old
  • Accepts CCJs? Yes, provided they're a year or more old
  • Accepts bankruptcies? Yes, provided it's a year or more old
  • Minimum repayment: Greater of 1% of balance plus interest or £5

Best Buys Cheapest long-term low rate deals

Here, the aim is to get a card where the low rate is for the long term, not just an introductory offer. While it's not 0%, it does mean that you don't have to remember to shift from card to card every few months, and know you've got a deal for the long term.

MBNA Low Rate

Low interest rate for five years, good loan alternative

MBNA* 5 – 4.9% interest for 60 months, 0.5% balance transfer fee

The MBNA 5* credit card offers a low interest rate of 4.9% for five years on purchases made within 60 days of account opening. If you've a big purchase to make, it's a good alternative to a loan as the APR beats the best buys up to around £5,000 – just make sure you budget to pay it off by the end of the 60 months.

Need-to-knows
  • You must make purchases within the first 60 days to get the low 4.9% rate.
  • After your low rate ends, you'll pay 8.9% interest a year on any debt leftover.
  • Some poorer credit scorers getting this card may be given initial interest rates of 9.9%, jumping to 11.9% at the 60 months' end.
  • This card also offers balance transfers and money transfers at 4.9% interest for five years, with a 0.5% fee.
Stats box
  • Spending rate: 4.9% for 60mths then 8.9% (see Official APR Examples)
  • Min income: £20,000
  • Card issuer: Mastercard
  • Min repayment: Greater of 1% of balance plus interest or £25
lloyds

Cheapest low-rate card for life

Lloyds Platinum* – 5.7% rep APR, no fee

The Lloyds* Platinum card gives 5.7% representative APR on all spending, so is a decent option if you want a guaranteed rate for the life of the card.

However, the rate is slightly higher than the MBNA card above, so if you think you'll use the card for less than five years, that could prove a better option.

Need-to-knows
  • Lloyds can increase the rate after a year. But you can reject this rate hike.
  • Not everyone will get the low 5.7% APR. Some will get a higher APR of 14.9%.
  • Always pay at least the monthly minimum payment or you'll get a penalty for late payment and a mark on your credit file.
  • Don't withdraw cash on this card. It usually isn't at the cheap rate and cash withdrawals hit your credit file.
  • You'll also get the same rate on debts shifted to the card. There is no fee to do a balance transfer in the first 90 days (3% fee after).
Eligibility Calculator
(MSE's free tool)
APPLY*
(at lender site)

Protect your credit score and check chances of getting card

Stats box
  • Spending rate: 5.7% APR (see Official APR Examples)
  • Min income: N/A
  • Card issuer: Mastercard
  • Min repayment : Greater of 1% of balance plus interest, or £5
Tesco Low Rate

Cheap long-term, low-rate card

Tesco* 5.9% rep APR, no balance transfer fee

The Tesco* Low APR credit card offers 0% on spending for one month, and then a low-ish 5.9% representative APR on all spending after. It's a good option if you want a guaranteed low rate for the life of the card, plus you can earn Clubcard points on purchases.

Need-to-knows
  • Not everyone will get the low 5.9% APR. Some will get a higher APR of 10.9%.
  • You get Clubcard points on your spending – one point for every full £4 spent at Tesco stores or petrol stations, one point for every £8 elsewhere.
  • Tesco can increase the rate after a year. But you can reject this rate hike.
  • Always pay at least the monthly minimum payment or you'll get a penalty for late payment and a mark on your credit file.
  • Don't withdraw cash on this card. It usually isn't at the cheap rate and cash withdrawals hit your credit file.
  • The card also offers balance transfers at 0% for one month, followed by a rate of 6.054% for the life of the balance.
Eligibility Calculator
(MSE's free tool)
APPLY*
(at lender site)

Protect your credit score and check chances of getting card

Stats box
  • Spending rate: 5.9% APR (see Official APR Examples)
  • Min income: £5,000
  • Card issuer: Mastercard
  • Min repayment : Greater of 1% of balance plus interest or £25

 

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.

0% spending cards Q&A

  • How much could I save?

  • Can these cards be used for balance transfers too?

  • What should I do if I'm worried about being or have been rejected for these cards?

  • I need longer than 31 months to pay off my purchase. Are there any other options?

  • Is there another way to keep my debt at 0% for longer?

Get Our Free Money Tips Email!

For all the latest deals, guides and loopholes - join the 12m who get it. Don't miss out