Compare the Best 0% Balance Transfer and Spending Cards

Santander All in One Credit Card

Balance Transfer offer duration

26 mths

0% Purchase offer duration

23 mths

Representative % APR (variable)

24.7% APR

Transfer Fee

0%

You'll save £1,277

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with an annual fee of £36 your representative APR will be 24.7% APR (variable)

MBNA Dual 0% Transfer and Purchase Credit Card

Balance Transfer offer duration

24 mths

0% Purchase offer duration

24 mths

Representative % APR (variable)

21.9% APR

Transfer Fee

2.89%

You'll save £1,105

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 21.94% p.a. (variable) your representative APR will be 21.9% APR (variable)

M&S Shopping Plus Credit Card

Balance Transfer offer duration

24 mths

0% Purchase offer duration

24 mths

Representative % APR (variable)

21.9% APR

Transfer Fee

2.9%

You'll save £1,105

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

HSBC Purchase Plus Credit Card

Balance Transfer offer duration

23 mths

0% Purchase offer duration

23 mths

Representative % APR (variable)

22.9% APR

Transfer Fee

2.9%

You'll save £1,072

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) your representative APR will be 22.9% APR (variable)

Virgin Money 19 Month All Round Card - Guaranteed 21.9% APR

Balance Transfer offer duration

19 mths

0% Purchase offer duration

19 mths

Representative % APR (variable)

21.9% APR

Transfer Fee

2.9%

You'll save £993

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

Virgin Money 19 Month All Round Card - Guaranteed 23.9% APR

Balance Transfer offer duration

19 mths

0% Purchase offer duration

19 mths

Representative % APR (variable)

23.9% APR

Transfer Fee

2.9%

You'll save £993

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) your representative APR will be 23.9% APR (variable)

Virgin Money 19 Month All Round Card - Guaranteed 25.9% APR

Balance Transfer offer duration

19 mths

0% Purchase offer duration

19 mths

Representative % APR (variable)

25.9% APR

Transfer Fee

2.9%

You'll save £993

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 25.9% p.a. (variable) your representative APR will be 25.9% APR (variable)

Virgin Money 12 Month All Round Card - Guaranteed 29.9% APR

Balance Transfer offer duration

12 mths

0% Purchase offer duration

12 mths

Representative % APR (variable)

29.9% APR

Transfer Fee

2.9%

You'll save £643

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 29.9% p.a. (variable) your representative APR will be 29.9% APR (variable)

M&S Bank Reward Plus Credit Card

Balance Transfer offer duration

12 mths

0% Purchase offer duration

12 mths

Representative % APR (variable)

19.9% APR

Transfer Fee

2.9%

You'll save £613

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative APR will be 19.9% APR (variable)

Virgin Money 34 Month Balance Transfer Card - Guaranteed 21.9% APR

Balance Transfer offer duration

34 mths

0% Purchase offer duration

3 mths

Representative % APR (variable)

21.9% APR

Transfer Fee

2.7%

You'll save £930

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

Virgin Money 34 Month Balance Transfer Card - Guaranteed 23.9% APR

Balance Transfer offer duration

34 mths

0% Purchase offer duration

3 mths

Representative % APR (variable)

23.9% APR

Transfer Fee

2.7%

You'll save £930

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) your representative APR will be 23.9% APR (variable)

Virgin Money 34 Month Balance Transfer Card - Guaranteed 25.9% APR

Balance Transfer offer duration

34 mths

0% Purchase offer duration

3 mths

Representative % APR (variable)

25.9% APR

Transfer Fee

2.7%

You'll save £930

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 25.9% p.a. (variable) your representative APR will be 25.9% APR (variable)

M&S Transfer Plus Card

Balance Transfer offer duration

32 mths

0% Purchase offer duration

3 mths

Representative % APR (variable)

21.9% APR

Transfer Fee

1.99%

You'll save £928

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

Santander Everyday Long Term Balance Transfer Credit Card

Balance Transfer offer duration

33 mths

0% Purchase offer duration

3 mths

Representative % APR (variable)

21.9% APR

Transfer Fee

2.65%

You'll save £922

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

Virgin Money 28 Month Balance Transfer Card - Guaranteed 21.9% APR

Balance Transfer offer duration

28 mths

0% Purchase offer duration

3 mths

Representative % APR (variable)

21.9% APR

Transfer Fee

1%

You'll save £907

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

What are the different types of credit card?

You can find out more information about the different types of credit card in our guide

What does 'pre-approved' mean?

Pre-approved means you will get accepted for the card, and at the rate advertised, providing the information you give is accurate and you pass the lender's checks (which may include a responsible lending check using open banking information).

Exclusive Offer

Exclusive to the TotallyMoney comparison platform. This offer may appear on sites that we power or advertise through.

Pre-population

When you click to go to a lender we may pass over your details to help speed up the application process

Can't see a particular card?

We frequently update our product offering meaning the cards shown on this table may change. If you can't find what you are looking for, this may be because we have recently updated our table and removed a particular product.

Understanding 0% balance transfer and purchase cards

A combined balance transfer and purchase card is effectively two cards in one.

Providing the best of both, it offers a combination of an interest-free period on balance transfers and a 0% interest period on new spending.

This means that there’s no excuse for paying interest on your existing credit card debt or new purchases. Plus, you’ll only need to apply for one credit card.

Is this card right for me?

A combined balance transfer and purchase card can be useful in certain situations, but there may be a better card out there. Follow these rules to work out if it's the right card for you.

If you want one card for all of your credit needs, a combined balance transfer and purchase card is an effective tool. You won’t have to monitor several credit card accounts or make multiple credit card applications.

However, if you’re looking for the cheapest way to clear your debt this isn't it. You will get a much longer 0% period if you opt for a balance transfer credit card. While you may not be able to use a balance transfer card to spend, they do tend to offer a cheaper transfer fee too – find a balance transfer card.

If you don’t have any existing credit card debt and are looking for a cheap way to spend, try a 0% purchase card instead. The interest-free period is likely to be longer and you're likely to be better off – check your eligibility for a 0% purchase card.

Similarly, if you clear your balance in full each month, a rewards or cashback card will better suit your spending habits.

How to make a combined card work for you

Use a combined balance transfer and purchase card carefully and you can borrow money without paying a penny. Here’s how:

Never miss a payment: Set up a direct debit to cover at least the minimum payment on your card. Missing even one payment will have a negative effect on your credit rating and your provider could even stop your 0% interest deal.
Cancel your old cards: Improve your credit rating in the process by cancelling your old cards. Lenders look at how much credit you have available to you, even if you’ve since transferred your balance.
Clear your debt in time: Don’t leave debt on a combined credit card after the 0% period ends. The interest charges will cancel out the benefit of using the card in the first place. If you can’t clear your balance in time, it can pay to move your debt to another 0% deal.
Remember the deal end date: Avoid paying interest by making a note or setting a reminder of when the 0% period ends.

Compare balance transfer & purchase offer credit cards

Calculate savings

Santander All in One Credit Card

26 mths

23 mths

24.7% APR

0%

You'll save £1,277

MBNA Dual 0% Transfer and Purchase Credit Card

24 mths

24 mths

21.9% APR

2.89%

You'll save £1,105

M&S Shopping Plus Credit Card

24 mths

24 mths

21.9% APR

2.9%

You'll save £1,105

HSBC Purchase Plus Credit Card

23 mths

23 mths

22.9% APR

2.9%

You'll save £1,072

Virgin Money 19 Month All Round Card - Guaranteed 21.9% APR

19 mths

19 mths

21.9% APR

2.9%

You'll save £993

Virgin Money 19 Month All Round Card - Guaranteed 23.9% APR

19 mths

19 mths

23.9% APR

2.9%

You'll save £993

Virgin Money 19 Month All Round Card - Guaranteed 25.9% APR

19 mths

19 mths

25.9% APR

2.9%

You'll save £993

Virgin Money 12 Month All Round Card - Guaranteed 29.9% APR

12 mths

12 mths

29.9% APR

2.9%

You'll save £643

M&S Bank Reward Plus Credit Card

12 mths

12 mths

19.9% APR

2.9%

You'll save £613

Virgin Money 34 Month Balance Transfer Card - Guaranteed 21.9% APR

34 mths

3 mths

21.9% APR

2.7%

You'll save £930

Virgin Money 34 Month Balance Transfer Card - Guaranteed 23.9% APR

34 mths

3 mths

23.9% APR

2.7%

You'll save £930

Virgin Money 34 Month Balance Transfer Card - Guaranteed 25.9% APR

34 mths

3 mths

25.9% APR

2.7%

You'll save £930

M&S Transfer Plus Card

32 mths

3 mths

21.9% APR

1.99%

You'll save £928