You can make a large purchase and pay it off interest free over several months with a 0% purchase credit card.

Some of the longest 0% deals last for more than two years, and if you pay off the balance before it ends you will pay no interest at all.

How to choose the best interest free credit card

Our comparison will help you choose a 0% period that will give you enough time to pay off the balance.

You can select how much you want to borrow and either:

  • How much you will pay back each month

  • How long you need to repay the balance

We will then show you how much each deal could cost.

Do you need to make any repayments?

Yes, you will still need to make at least the minimum payment each month even though your card will not charge any interest during the 0% period.

If you fail to pay this amount you will be charged around £12 and the 0% deal could be withdrawn, meaning you will be charged expensive interest every month.

Does the interest rate matter?

Yes, you will pay interest on your spending if:

  • You keep using the card once it is no longer interest free

  • You still have an outstanding balance on the card when the interest free period ends

If you want to keep the card after the 0% period ends, make sure you choose one with a low APR so you can pay it off as cheaply as possible.

Alternatively, you could move what you owe to a new card that offers 0% balance transfers to give yourself more time to pay it off interest free.