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Message: <blockquote data-quote="vishamacharya" data-source="post: 30446894" data-attributes="member: 564005">If you have a good credit history, you should be able to get a 0% card in the UK easily. In UK, customer loyalty is penalised not rewarded.What I've done:<ul> <li data-xf-list-type="ul">Santander 0% for 23 months - (previously switched from Sainsburys 0% for 18-months and next switch to Natwest or Virgin Money 0% in 2026. - This card is for purchases. Limit £14,000</li> <li data-xf-list-type="ul">Lloyds World Elite Mastercard (22.9%) but comes with unlimited priority pass airport lounge access. I always maintain near-zero balance on this card. Limit is £11,000 has a fee of £180pa.</li> <li data-xf-list-type="ul">Amex Preferred Rewards Gold (30.7%) - has a number of perks including cashback for air tickets and other purchases. Also generates points which can be transferred to airmiles. I have a £15,000 limit but with a fee of £195.</li> </ul>I'm maintaining the Santander for purchases and other two for rewards.</blockquote>

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