Best 0% Purchase Credit Cards UK 2026
A 0% purchase card lets you make purchases and pay no interest for a set introductory period — typically 12 to 26 months. It is ideal for financing a large planned purchase without paying extra.
Top 0% Purchase Cards Right Now
| Card | 0% Period | APR After |
|---|---|---|
| Barclaycard Avios Plus | Up to 26 months | 23.9% variable |
| MBNA Long 0% | Up to 24 months | 21.9% variable |
| NatWest Purchase Card | Up to 22 months | 22.9% variable |
| Halifax Purchase Card | Up to 20 months | 21.95% variable |
How to Use It Correctly
Divide the purchase total by the number of 0% months. Pay at least that amount each month to reach zero before the offer ends. A £2,400 purchase on a 24-month 0% card requires £100 per month.
What Happens When 0% Ends
Any remaining balance immediately starts accruing interest at the standard APR — typically 20 to 25%. Set a calendar reminder one month before expiry to pay off the remaining balance or transfer it to another 0% card.
Best Uses
New furniture, home improvements, a laptop, a holiday already budgeted for, or large unexpected but necessary expenses. Not for ongoing everyday spending without a clear repayment plan.
APR figures are correct as of April 2026 and subject to change.