Best 0% interest credit cards

If you’re looking to spread the cost of big purchases, then a 0% credit card can help you if used correctly. We list the best 0% credit card deals available right now

A credit card balanced on the edge of a shelf
(Image credit: Getty images)

Zero percent credit cards are a great tool to help you spread the cost of big purchases as you do not have to pay interest, as long as you keep up with minimum payments.

With surging inflation and rising energy costs, paying as little interest as possible on your debts has never been more important. 

To help you find the best deals, here are the best 0% credit card deals available now. And if you want to know more about how these cards work, then we explain that further below.

But remember, the rate you get will depend on the strength of your credit score; our links take you to an eligibility checker on our sister site Gocompare, so that you can see if you will be accepted for the deal before you apply.

Here are the best 0% credit card deals available right now.

Best 0% credit cards

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Marks & Spencer (opens in new tab) | 24 months 0% | M&S points on spending | 21.9% once 0% period over

This Marks & Spencer credit card offers the longest definite 0% period - in other words, anyone accepted for this credit card gets the full 24 months at 0%. It also gives you M&S points - one point (worth 1p) is given per £5 spend while a more generous one point per £1 spent at M&S is given. Points are converted into vouchers to spend at M&S.

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Sainsbury’s (opens in new tab) | Up to 24 months 0% | Nectar points on spending | 21.9% once 0% period over

This credit card offers up to 24 months at 0%. It also lets you earn two Nectar points per £1 spent in Sainsbury’s, plus 500 points (worth £2.50) per £35 spend in the first two months (maximum 5,000 points). You’ll get one point per £5 spent elsewhere.


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Barclaycard (opens in new tab) | Up to 24 months 0% | 21.9% once 0% period over

While this credit card offers up to 24 months at 0%. Our eligibility calculator will indicate whether you could get the full 24 months or if it is more likely you could get just 12 months at 0%.


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Tesco (opens in new tab) | 23 months 0%  | Clubcard points on spending | 20.9% once 0% period over

This credit card offers 23 months at 0%. The card pays Clubcard points when you spend at Tesco online or instore and also when you spend on Tesco petrol. Spending £100, for example, at tesco online or instore or on petrol will give you £3.50 in vouchers to spend at tesco - or £10.50 to spend at a Tesco partner like Pizza Express, Legoland or Cineworld.


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HSBC (opens in new tab) | 23 months 0% | 22.9% once 0% period over

This credit card offers 23 months as a definite 0% period - in other words, anyone accepted for this credit card gets the full 23 months at 0%. 

This list is updated regularly, with guidance from data analyst Moneyfacts (opens in new tab).

What is a 0% interest purchase credit card?

A 0% purchase credit card can be a cheap way to borrow money as long as you always make the minimum repayments each month. This type of credit card comes with zero interest for a set period of time – usually anything from three months to two years or more. 

You can use a 0% purchase card to spread the cost of an expensive item without paying interest. 

When the 0% period ends, you’ll be charged interest on any balance on the card.

Who can get a 0% interest credit card?

You’ll need a good credit score to get a 0% interest credit card – and you’ll definitely need a good score to get the best deals on offer.

Dennis Hussey, money adviser at National Debtline, said: “Low or 0% interest is hard to get if you do not have a good credit rating – and as is the case with any borrowing there are risks involved. If you are already behind on other payments, you should seek debt advice.” 

Before you apply for a 0% credit card, it’s a good idea to use an online eligibility checker, like the one from our sister site GoCompare (opens in new tab), before making an application. You can also check your credit score with any one of the three credit reference agencies like Experian (opens in new tab), Equifax (opens in new tab) or TransUnion (opens in new tab).

Legally, credit card firms only need to give their advertised deals to 51% of successful applicants, so you may be offered a shorter 0% interest period than advertised if your score is not strong.

Are 0% credit cards a good idea?

Interest-free credit cards mean you can borrow money for free. But that doesn’t necessarily mean they are the right option for everyone.

Even though there is no interest charged, you still have to repay the money you borrow on a 0% credit card. If you fail to make the minimum payment each month, the credit card company is likely to cancel the 0% offer and you’ll start being charged interest.

Katie Binns
Katie Binns

Katie is staff writer at The Money Edit. She was the former staff writer at The Times and The Sunday Times. Her experience includes writing about personal finance, culture, travel and interviews celebrities.  Her investigative work on financial abuse resulted in a number of mortgage prisoners being set free - and a nomination for the Best Personal Finance Story of the Year in the Headlinemoney awards 2021.