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Compare The UK’s Top Cards for
Balance Transfer & Purchase

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Santander All in One Credit Card
Santander All in One Credit Card Image
Balance Transfer offer duration
30 months
Transfer Fee
0 %
0% Purchase offer duration
30 months
Representative % APR (variable)
21.7 % APR
See more details

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 15.9% p.a. (variable) with an annual fee of £36 your representative APRRepresentative APRThe 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. Remember, 0% interest offers don't incur interest charges.  will be 21.7% APR (variable)

Virgin Money 28 Month All Round Credit Card
Virgin Money 28 Month All Round Credit Card Image
Balance Transfer offer duration
28 months
Transfer Fee
2.9 %
0% Purchase offer duration
28 months
Representative % APR (variable)
18.9 % APR
See more details

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative APRRepresentative APRThe 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. Remember, 0% interest offers don't incur interest charges.  will be 18.9% APR (variable)

Barclaycard Platinum Purchase 27/27 Balance Transfer Card
Barclaycard Platinum Purchase 27/27 Balance Transfer Card Image
Balance Transfer offer duration
27 months
Transfer Fee
1.45 %
0% Purchase offer duration
27 months
Representative % APR (variable)
19.9 % APR
See more details

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative APRRepresentative APRThe 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. Remember, 0% interest offers don't incur interest charges.  will be 19.9% APR (variable)

MBNA All Round Credit Card
MBNA All Round Credit Card Image
Balance Transfer offer duration
30 months
Transfer Fee
2.72 %
0% Purchase offer duration
30 months
Representative % APR (variable)
19.9 % APR
See more details

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative APRRepresentative APRThe 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. Remember, 0% interest offers don't incur interest charges.  will be 19.9% APR (variable)

Lloyds Bank 32 Month Balance Transfer Card
Lloyds Bank 32 Month Balance Transfer Card Image
Balance Transfer offer duration
32 months
Transfer Fee
1.4 %
0% Purchase offer duration
12 months
Representative % APR (variable)
19.9 % APR
See more details

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative APRRepresentative APRThe 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. Remember, 0% interest offers don't incur interest charges.  will be 19.9% APR (variable)

Halifax 30 Months Balance Transfer Card
Halifax 30 Months Balance Transfer Card Image
Balance Transfer offer duration
30 months
Transfer Fee
1.2 %
0% Purchase offer duration
12 months
Representative % APR (variable)
19.9 % APR
See more details

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative APRRepresentative APRThe 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. Remember, 0% interest offers don't incur interest charges.  will be 19.9% APR (variable)

M&S Bank Credit Card
M&S Bank Credit Card Image
Balance Transfer offer duration
25 months
Transfer Fee
2.9 %
0% Purchase offer duration
25 months
Representative % APR (variable)
18.9 % APR
See more details

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative APRRepresentative APRThe 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. Remember, 0% interest offers don't incur interest charges.  will be 18.9% APR (variable)

Tesco Bank Low Balance Transfer Fee Credit Card
Tesco Bank Low Balance Transfer Fee Credit Card Image
Balance Transfer offer duration
15 months
Transfer Fee
0.85 %
0% Purchase offer duration
15 months
Representative % APR (variable)
18.9 % APR
See more details

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative APRRepresentative APRThe 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. Remember, 0% interest offers don't incur interest charges.  will be 18.9% APR (variable)

Nationwide Credit Card
Nationwide Credit Card Image
Balance Transfer offer duration
12 months
Transfer Fee
0 %
0% Purchase offer duration
12 months
Representative % APR (variable)
17.9 % APR
See more details

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 17.9% p.a. (variable) your representative APRRepresentative APRThe 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. Remember, 0% interest offers don't incur interest charges.  will be 17.9% APR (variable)

Tesco Bank 12 month All Round Credit Card
Tesco Bank 12 month All Round Credit Card Image
Balance Transfer offer duration
12 months
Transfer Fee
0 %
0% Purchase offer duration
12 months
Representative % APR (variable)
18.9 % APR
See more details

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative APRRepresentative APRThe 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. Remember, 0% interest offers don't incur interest charges.  will be 18.9% APR (variable)

Virgin Money Travel Credit Card
Virgin Money Travel Credit Card Image
Balance Transfer offer duration
12 months
Transfer Fee
0 %
0% Purchase offer duration
12 months
Representative % APR (variable)
19.9 % APR
See more details

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative APRRepresentative APRThe 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. Remember, 0% interest offers don't incur interest charges.  will be 19.9% APR (variable)

Barclaycard Freedom Rewards
Barclaycard Freedom Rewards Image
Balance Transfer offer duration
12 months
Transfer Fee
0.15 %
0% Purchase offer duration
12 months
Representative % APR (variable)
21.9 % APR
See more details

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APRRepresentative APRThe 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. Remember, 0% interest offers don't incur interest charges.  will be 21.9% APR (variable)

Barclaycard Platinum 30 Month Balance Transfer
Barclaycard Platinum 30 Month Balance Transfer Image
Balance Transfer offer duration
30 months
Transfer Fee
0.55 %
0% Purchase offer duration
6 months
Representative % APR (variable)
19.9 % APR
See more details

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative APRRepresentative APRThe 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. Remember, 0% interest offers don't incur interest charges.  will be 19.9% APR (variable)

Barclaycard Platinum 26 Month Balance Transfer Card
Barclaycard Platinum 26 Month Balance Transfer Card Image
Balance Transfer offer duration
26 months
Transfer Fee
0 %
0% Purchase offer duration
6 months
Representative % APR (variable)
19.9 % APR
See more details

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative APRRepresentative APRThe 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. Remember, 0% interest offers don't incur interest charges.  will be 19.9% APR (variable)

Barclaycard Platinum 35 Month
Barclaycard Platinum 35 Month Image
Balance Transfer offer duration
35 months
Transfer Fee
1.85 %
0% Purchase offer duration
6 months
Representative % APR (variable)
19.9 % APR
See more details

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative APRRepresentative APRThe 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. Remember, 0% interest offers don't incur interest charges.  will be 19.9% APR (variable)

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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.