Stoozing is spending on a 0% interest credit card instead of your debit card, then putting the money you would have spent into a savings account earning interest. You pay off the card before the 0% period ends and keep the interest as profit.

How much can you earn from stoozing?

With a typical 0% purchase card (24 months, £3,000 spending) and a savings rate of 4.5%, you could earn around £270 in interest. If using a balance transfer card with a 3% fee, your net profit would be lower after deducting the fee.

Is stoozing worth it?

Yes, if you're disciplined. You must never miss a minimum payment (or the 0% deal is voided) and you must pay off the full balance before the 0% period ends. The profit is essentially free money for being organised.

Stoozing Calculator

Calculate how much you could earn by spending on a 0% credit card and putting the money in a savings account.

0% credit card amount

How much you'll spend on the 0% card instead of your debit card

0% period (months)

Length of the 0% interest-free period

Savings account rate (% AER)

Rate on the savings account where you park the money

Current BoE base rate: 3.75% (as of 29 Jul 2026)

Typical easy-access savings rate: ~3.50% (approximate, base rate minus ~0.25%)

Balance transfer fee (%)

Set to 0% if using a 0% purchase card (no fee)

£270.00

Total profit over 24 months

£270.00

Interest earned in savings

£0.00

Transfer fee cost

See today's best 0% cards

Save this scenario & get card-deadline alerts

Track your 0% card end dates, get reminders 60/30/7 days out, never miss a deadline and pay interest.

How it works

Monthly profit£11.25/mo

Amount on 0% card£3,000

Saved at 4.5% AER£270.00

Transfer fee (0%)-£0.00

0% credit card amount

How much you'll spend on the 0% card instead of your debit card

0% period (months)

Length of the 0% interest-free period

Savings account rate (% AER)

Rate on the savings account where you park the money

Balance transfer fee (%)

Set to 0% if using a 0% purchase card (no fee)

£270.00

Total profit over 24 months

£270.00

Interest earned in savings

£0.00

Transfer fee cost

See today's best 0% cards

Save this scenario & get card-deadline alerts

Track your 0% card end dates, get reminders 60/30/7 days out, never miss a deadline and pay interest.

How it works

Monthly profit£11.25/mo

Amount on 0% card£3,000

Saved at 4.5% AER£270.00

Transfer fee (0%)-£0.00

What is stoozing?

Stoozing is a UK money strategy where you spend on a 0% interest credit card instead of your debit card. The money you would have spent stays in a savings account earning interest. Before the 0% period ends, you pay off the card in full. You keep the interest as profit.

How to maximise your stoozing profit

Use a 0% purchase card (no transfer fee) rather than a balance transfer card where possible
Park the money in the highest-rate easy access savings account or Premium Bonds
Set up a direct debit for at least the minimum payment so you never miss one
Set a reminder 2-3 months before the 0% period ends to pay off the balance
Don't overspend — only put normal spending on the card, not extra purchases

Risks to watch out for

Missing a minimum payment voids the 0% deal immediately — you'll pay the revert rate (typically 22-25% APR)
Forgetting to pay off the balance before the 0% period ends
Cash withdrawals on credit cards are never 0% and incur fees
Applying for multiple credit cards in a short period can temporarily affect your credit score

0% credit card amount

How much you'll spend on the 0% card instead of your debit card

0% period (months)

Length of the 0% interest-free period

Savings account rate (% AER)

Rate on the savings account where you park the money

Current BoE base rate: 3.75% (as of 29 Jul 2026)

Typical easy-access savings rate: ~3.50% (approximate, base rate minus ~0.25%)

Balance transfer fee (%)

Set to 0% if using a 0% purchase card (no fee)

£270.00

Total profit over 24 months

£270.00

Interest earned in savings

£0.00

Transfer fee cost

See today's best 0% cards

Save this scenario & get card-deadline alerts

Track your 0% card end dates, get reminders 60/30/7 days out, never miss a deadline and pay interest.

How it works

Monthly profit£11.25/mo

Amount on 0% card£3,000

Saved at 4.5% AER£270.00

Transfer fee (0%)-£0.00