0% spending card or personal loan ?

Hi experts, I am looking to borrow £2k to upgrade my car, I have been told current car will need major work soon so needs to go. I can cover most of it through savings and part exchange but need to borrow 2k, either through a 0% spending card or taking out a 2k personal loan.

I have a very good credit rating and I have been pre approved for a MBNA 0% spending card (20 months) with a limit over the 2k needed.
would I be better to take out the card and then pay it off over 18 months, or should I take out a personal loan, again over 18 months.
On paper the MBNA CC looks the better deal, but it seems to be too good to be true, am I missing something ? I am mortgage free and confident I can make the payments, I also have an account that is due to payout over 10k in 11 months.  

Thanks for reading


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