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Best 0% credit cards compared: interest free for 20 months 2019-1-8 · This Sainsbury's Bank card (apply via our eligibility calculator) offers up to 20 months 0% for spending, though poorer credit scorers could be accepted and offered 16 or 12 interest-free months. You'll need to have had a Nectar card for at least six months to apply. Compare Our Best Credit Cards | MoneySuperMarket