- 15%Cashback via 'Everyday Offers'
The Lloyds Bank 0% Purchase and Balance Transfer Credit Card generally does not offer a direct cash-in-hand welcome bonus or cashback for new applicants.
Key rewards include 15% cashback via 'Everyday Offers' and specialized perks for Platinum account holders.
24.94% Variable APR
The Lloyds Bank Platinum Purchase and Balance Transfer Credit Card stands out as the top choice because it offers an impressive 0% interest on purchases for up to 25 months and balance transfers for up to 23 months, making it ideal for those looking to manage their finances without incurring interest.
Pros:
- Long 0% interest period on purchases and balance transfers
- No annual fee
Cons:
- No direct welcome bonus
- Balance transfer fee applies
- 1%Points earned at M&S
- 0.2%Points earned elsewhere
The M&S Purchase Plus Credit Card focuses on long-term 0% interest rather than a direct, high-value voucher welcome bonus.
Earn 1 point for every £1 spent at M&S and 1 point for every £5 spent elsewhere.
24.9% Variable APR
What sets the M&S Purchase Plus Credit Card apart is its long 0% interest period on purchases for up to 25 months, allowing cardholders to spread the cost of their spending while earning rewards points for future savings at M&S.
Pros:
- 0% interest on purchases for up to 25 months
- Collect M&S Rewards points
Cons:
- No significant welcome bonus
- Limited to M&S for maximum rewards
3.Barclaycard Platinum Purchase Credit Card
Barclaycard
- No rewards breakdown available
0% interest on purchases for up to 24 months.
N/A
24.9% Variable APR
This card shines for its long 0% interest period on purchases, making it a great option for those looking to finance larger purchases without incurring interest.
Pros:
- Long 0% interest period on purchases
- No annual fee
Cons:
- No rewards program
- Higher APR after promotional period
4.TSB Credit Card
TSB
- No rewards breakdown available
As of January 2026, TSB does not appear to offer a direct cash welcome bonus specifically for new credit card applications.
N/A
24.9% Variable APR
The standout feature here is the long 0% interest on purchases, allowing cardholders to manage their spending effectively without immediate interest charges.
Pros:
- 0% interest on purchases for up to 25 months
- No annual fee
Cons:
- No direct welcome bonus
- Variable APR
- 15%Cashback with selected retailers
The MBNA 0% Transfer and Purchase Card offers up to 23-24 months of 0% interest on both balance transfers and new purchases made within the first 60-90 days.
Access to MBNA Smart Rewards, offering up to 15% cashback with selected retailers.
24.94%-29.94% Variable APR
A key differentiator is the dual benefit of 0% interest on both purchases and balance transfers, making it a versatile choice for managing debt and new spending.
Pros:
- Long 0% interest period on purchases and transfers
- No annual fee
Cons:
- Variable APR after promotional period
- Transfer fee applies
Final Words
As you consider the best 0% APR credit cards this February, remember that choosing the right card can significantly impact your finances. Take time to compare your options carefully and make informed decisions to maximize your benefits.
Frequently Asked Questions
The Lloyds Bank 0% Purchase and Balance Transfer Credit Card generally does not offer a direct cash-in-hand welcome bonus or cashback for new applicants.
Key rewards include 15% cashback via 'Everyday Offers' and specialized perks for Platinum account holders.
With the M&S Purchase Plus Credit Card, you earn 1 point for every £1 spent at M&S and 1 point for every £5 spent elsewhere.
The Barclaycard Platinum Purchase Credit Card offers 0% interest on purchases for up to 24 months, providing a significant period to manage your spending without incurring interest.
A 0% APR credit card allows you to carry a balance without paying interest for a promotional period, which can be beneficial for large purchases or debt consolidation.
While many 0% APR credit cards have no annual fees, it's important to review the terms for potential balance transfer fees or late payment penalties that could apply.
Consider factors like the length of the 0% introductory period, any available rewards, annual fees, and your spending habits to find the card that aligns with your financial goals.
