In theory, yes, even non-zero-interest loan can be good. In practice, I'd rather not bother given how easy it is to make a mistake and end up overpaying massively because you failed to read some fine print or account for some obscure rule of how purchases combine and accrue interest. Zero is easy. Non-zero is complex and you are not in the position of advantage there as they know their rules much better than you, so in most cases it's not worth it. You can do it right if you have the knowledge, but then surely advice from some random guy on the internet is not going to change your opinion anyway :)