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M&S Bank Credit Card
M&S Bank Credit Card Image
Balance Transfer offer duration
20 months
0% Purchase offer duration
20 months
Rep % APR (variable)
19.9 % APR
Transfer Fee
2.9 %
Check My Eligibility
See more details

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

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)

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HSBC Purchase Plus Credit Card
HSBC Purchase Plus Credit Card Image
Balance Transfer offer duration
18 months
0% Purchase offer duration
18 months
Rep % APR (variable)
22.9 % APR
Transfer Fee
2.9 %
Check My Eligibility
See more details

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

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)

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Guaranteed Rate

You are guaranteed to get the rate shown if you're accepted

Virgin Money 18 Month All Round Card - Guaranteed 21.9% APR
Virgin Money 18 Month All Round Card - Guaranteed 21.9% APR Image
Balance Transfer offer duration
18 months
0% Purchase offer duration
15 months
Rep % APR (variable)
21.9 % APR
Transfer Fee
2.9 %
Check My Eligibility
See more details

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

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)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money 18 Month All Round Card - Guaranteed 23.9% APR
Virgin Money 18 Month All Round Card - Guaranteed 23.9% APR Image
Balance Transfer offer duration
18 months
0% Purchase offer duration
15 months
Rep % APR (variable)
23.9 % APR
Transfer Fee
2.9 %
Check My Eligibility
See more details

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

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)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money 18 Month All Round Card - Guaranteed 25.9% APR
Virgin Money 18 Month All Round Card - Guaranteed 25.9% APR Image
Balance Transfer offer duration
18 months
0% Purchase offer duration
15 months
Rep % APR (variable)
25.9 % APR
Transfer Fee
2.9 %
Check My Eligibility
See more details

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

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)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money 15 Month All Round Card - Guaranteed 27.9% APR
Virgin Money 15 Month All Round Card - Guaranteed 27.9% APR Image
Balance Transfer offer duration
15 months
0% Purchase offer duration
12 months
Rep % APR (variable)
27.9 % APR
Transfer Fee
2.9 %
Check My Eligibility
See more details

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 27.9% p.a. (variable) your representative APR will be 27.9% APR (variable)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money 27 Month Balance Transfer Card - Guaranteed 23.9% APR
Virgin Money 27 Month Balance Transfer Card - Guaranteed 23.9% APR Image
Balance Transfer offer duration
27 months
0% Purchase offer duration
3 months
Rep % APR (variable)
23.9 % APR
Transfer Fee
1.45 %
Check My Eligibility
See more details

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

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)

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Your matches will continue below

Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money 27 Month Balance Transfer Card - Guaranteed 25.9% APR
Virgin Money 27 Month Balance Transfer Card - Guaranteed 25.9% APR Image
Balance Transfer offer duration
27 months
0% Purchase offer duration
3 months
Rep % APR (variable)
25.9 % APR
Transfer Fee
1.45 %
Check My Eligibility
See more details

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

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)

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Your matches will continue below

Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money 16 Month Balance Transfer Card - Guaranteed 27.9% APR
Virgin Money 16 Month Balance Transfer Card - Guaranteed 27.9% APR Image
Balance Transfer offer duration
16 months
0% Purchase offer duration
3 months
Rep % APR (variable)
27.9 % APR
Transfer Fee
3 %
Check My Eligibility
See more details

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 27.9% p.a. (variable) your representative APR will be 27.9% APR (variable)

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M&S Bank Reward Plus Credit Card
M&S Bank Reward Plus Credit Card Image
Balance Transfer offer duration
6 months
0% Purchase offer duration
6 months
Rep % APR (variable)
19.9 % APR
Transfer Fee
2.9 %
Check My Eligibility
See more details

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

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)

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What do 'pre-approved' and 'card 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.

Card approved means that you will get accepted for the card, providing the information you give is accurate and you pass the lender's checks, but could be offered a different rate to that advertised.

Exclusive Offer

Exclusive to the TotallyMoney comparison platform. This offer may appear on sites that we power or advertise through, including MSN and Noddle.

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.