0% ends and interest begins.Clear or plan before interest starts.
Get a reminder before the promotional period ends so you can plan what happens to any remaining balance.
Get a renewal reminder- No bank access required
- Just the dates you already know
- 100% independent
How a 0% credit card deal ending works
A 0% purchase deal applies interest-free for a fixed promotional period from card opening.
The promotional period has a fixed end date set at the start of the deal.
If no balance is cleared and no further action is taken, interest typically starts the day after the deal ends.
Interest is charged at the card's standard purchase APR, which is usually substantially higher than 0%.
The deal end date sits on the card account from day one.
Promotion mechanism
Fixed-date interest trigger
Common 0% deal-end outcomes
These outcomes are predictable — and avoidable if you act before the promotion ends.
Interest begins on remaining balance
Any unpaid balance from the promotional period typically begins accruing interest at the standard purchase APR.
The decision window ends at the promotion end date.
Minimum payment trap
Paying only the minimum after the promotion ends means the balance reduces slowly while interest builds.
Renewal is the natural moment to plan a clearance.
Balance transfer option
Some cardholders use a balance transfer to a new 0% deal as a structured next step before interest starts.
The end-of-deal review is the moment to weigh the options.
Easy to miss the date
Promotion end dates can be easy to overlook in busy months.
After the end date, interest applies.
How Onremind protects you
Add the renewal date
The one listed in your policy or renewal email.
We track the countdown
Independently, in the background.
You get alerted early
While review, comparison and switching are still possible.
Illustrative 0% deal-end pattern
Deal end pattern (illustrative)
Illustrative pattern only — not a real user case. Without action before the deal end date, interest would have started on the remaining balance.
0% credit card research and updates
Evidence, timing guidance and current developments relevant to 0% credit card promotion end dates.
UK 0% Credit Card Ending Report 2026
Research on promotion end dates, post-promotion interest and why cardholders still need to plan ahead.
Read the 0% credit card ending reportWhat to do before your 0% credit card ends
A short checklist for balance clearance, balance transfer and minimum payments before the end date.
Read the 0% credit card end guide0% credit card deal ending — what it means
A summary of what happens at the end of a 0% promotion and what to plan before interest starts.
Read the latest 0% credit card updateRelated credit card dates
Other credit card end dates you can protect with a date-based reminder:
A 0% deal end is a date risk.
The standard purchase APR is the default once the promotion ends.
A reminder before the end date keeps the balance under deliberate review.
See the matching balance transfer ending reminder for the transferred-balance side of the same decision.
See all how Onremind works, browse common questions, or read the UK Renewal Rip-Off Report for the wider picture.