Zero percent interest credit cards offer interest-free purchases for up to 24 months

Zero percent interest credit cards allow users to make purchases without paying interest for a promotional period, which can last up to 24 months. This feature helps consumers manage large expenses, especially during costly times like Christmas. Borrowers must make at least the minimum monthly payments to maintain the zero percent rate. Missing payments can lead to losing the promotional offer, and interest will apply after the promotional period ends. Currently, the longest zero percent purchase deal is offered by Tesco Bank for 24 months, while other providers like Barclaycard and M&S Bank offer terms of up to 22 months. Some cards also provide rewards like points or cashback.