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£40 Amazon Gift Card

Claim a £40 Amazon Gift Card if your application is accepted. T&Cs apply.

Santander All in One Credit Card

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Balance Transfer offer duration
26 mths
0% Purchase offer duration
20 mths
Representative % APR (variable)
23.7% APR
Transfer Fee
0%
You'll save £1,220

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 17.9% p.a. (variable) with an annual fee of £36 your representative APR will be 23.7% APR (variable)

M&S Shopping Plus Credit Card

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Balance Transfer offer duration
22 mths
0% Purchase offer duration
22 mths
Representative % APR (variable)
21.9% APR
Transfer Fee
2.9%
You'll save £1,038

Representative Example

Tooltip

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)

MBNA 21 Month Balance Transfer and Purchase Card

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Balance Transfer offer duration
21 mths
0% Purchase offer duration
21 mths
Representative % APR (variable)
21.9% APR
Transfer Fee
2.99%
You'll save £998

Representative Example

Tooltip

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)

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

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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

Representative Example

Tooltip

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

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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

Representative Example

Tooltip

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

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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

Representative Example

Tooltip

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)

Capital One Complete 15 month Credit Card - Guaranteed 24.9% APR

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Balance Transfer offer duration
15 mths
0% Purchase offer duration
15 mths
Representative % APR (variable)
24.9% APR
Transfer Fee
2.9%
You'll save £729

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 24.93% p.a. (variable) your representative APR will be 24.9% APR (variable)

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

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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

Representative Example

Tooltip

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)

Post Office Classic 12 month Dual Credit Card

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Balance Transfer offer duration
12 mths
0% Purchase offer duration
12 mths
Representative % APR (variable)
24.9% APR
Transfer Fee
2.9%
You'll save £628

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 24.93% p.a. (variable) your representative APR will be 24.9% APR (variable)

M&S Bank Reward Plus Credit Card

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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

Representative Example

Tooltip

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)

Capital One Complete 12 month Credit Card

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Balance Transfer offer duration
12 mths
0% Purchase offer duration
12 mths
Representative % APR (variable)
24.9% APR
Transfer Fee
2.9%
You'll save £595

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 24.93% p.a. (variable) your representative APR will be 24.9% APR (variable)

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

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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

Representative Example

Tooltip

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 23.9% APR

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Balance Transfer offer duration
28 mths
0% Purchase offer duration
3 mths
Representative % APR (variable)
23.9% APR
Transfer Fee
1%
You'll save £907

Representative Example

Tooltip

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 28 Month Balance Transfer Card - Guaranteed 25.9% APR

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Balance Transfer offer duration
28 mths
0% Purchase offer duration
3 mths
Representative % APR (variable)
25.9% APR
Transfer Fee
1%
You'll save £907

Representative Example

Tooltip

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)

£40 Amazon Gift Card

Claim a £40 Amazon Gift Card if your application is accepted. T&Cs apply.

Santander Everyday Long Term Balance Transfer Credit Card

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Balance Transfer offer duration
31 mths
0% Purchase offer duration
3 mths
Representative % APR (variable)
20.9% APR
Transfer Fee
2.75%
You'll save £898

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 20.9% p.a. (variable) your representative APR will be 20.9% 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.

Coronavirus help and support

You can find more information about coronavirus help and support here.

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.

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TotallyMoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Trading Address and Registered Office: Chapter House, 16 Brunswick Place, London N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.

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