Compare balance transfer and purchases credit cards

Choose a card that could save you money by offering 0% interest on both balance transfers and purchases.

Find the cards most likely to say yes

See which cards you are most likely to be accepted for without affecting your credit score.

48 results found, sorted by most popular. How we order our comparisons.
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Barclaycard Platinum Balance Transfer & Purchase Credit Card
Balance transfers
0% for 20 months with a 2.9% fee
Purchases
0% for 21 months
Representative APR (variable)
21.9% APR
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with no fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
Sainsbury's Bank No Balance Transfer Fee Credit Card (21 Mths)
Balance transfers
0% for 21 months with no fee
Purchases
0% for 3 months
Representative APR (variable)
20.9% APR
No balance transfer fee applies to transfers made within the first 3 months. For transfers made after this period, the fee may vary.
Balance Transfer fee of 0% or 1% applies to transfers made within your first three months, depending on your individual circumstances. The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 17 or 13 months instead, depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
M&S Bank Shopping Plus Credit Card
Balance transfers
0% for 22 months with a 2.9% fee (£5 min.)
Purchases
0% for 22 months
Representative APR (variable)
21.9% APR
Transfer a balance within 90 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 2.9% fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Barclaycard Platinum Balance Transfer (15 Mths)
Balance transfers
0% for 15 months with no fee
Purchases
0% for 6 months
Representative APR (variable)
21.9% APR
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with no fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
Barclaycard Forward Credit Card
Balance transfers
33.9% p.a. variable
Purchases
0% for 3 months
Representative APR (variable)
33.9% APR
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
The rate shown here is the rate you will receive if accepted for the card. Not available to applicants who already have a Barclaycard credit card.
Representative Example: The standard interest rate on purchases is 33.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 33.9% (variable).
Eligibility
CCJs Allowedonly one allowed
Credit Ratingpoor
History of Bankruptcyfalse
Minimum Age18 years
Minimum Income£3,000
UK Resident
Lloyds Bank 0% Purchase and Balance Transfer Card
Balance transfers
0% for 18 months with a 2.99% fee
Purchases
0% for 21 months
Representative APR (variable)
21.9% APR
Balance Transfers must be completed within the first 90 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Virgin Money Balance Transfer Credit Card (27 Mths) (21.9%)
Balance transfers
0% for 27 months with a 1.2% fee
Purchases
0% for 3 months
Representative APR (variable)
21.9% APR
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Sainsbury's Bank Balance Transfer 30 Months Credit Card
Balance transfers
0% for 30 months with a 1.5% fee (£3 min.)
Purchases
0% for 3 months
Representative APR (variable)
19.9% APR
Balance Transfer fee of 1.5% applies to transfers made at application (£3 minimum). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 30 or 24 months depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 19.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 19.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Sainsbury's Bank Dual Offer Credit Card
Balance transfers
0% for 22 months with a 3% fee (£3 min.)
Purchases
0% for 22 months
Representative APR (variable)
20.9% APR
A 3% fee is applied to balance transfers at application (minimum £3). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period of 22 or 14 months instead depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
HSBC Balance Transfer Credit Card
Balance transfers
0% for 20 months with no fee
Purchases
21.9% p.a. variable
Representative APR (variable)
21.9% APR
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with no fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£6,800
UK Resident
Virgin Money All Round Credit Card (19m) (21.9%)
Balance transfers
0% for 19 months with a 2.9% fee
Purchases
0% for 19 months
Representative APR (variable)
21.9% APR
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Halifax Long 0% Balance Transfer Credit Card
Balance transfers
0% for 29 months with a 2.7% fee
Purchases
0% for 9 months
Representative APR (variable)
21.9% APR
Balance Transfers must be completed within the first 90 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Capital One Classic Complete Card
Balance transfers
0% for 4 months with a 3% fee
Purchases
0% for 4 months
Representative APR (variable)
34.9% APR
Once the 0% deal ends the balance transfer rate will be 34.94% p.a. variable with a 3% fee.
Representative Example: The standard interest rate on purchases is 34.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% (variable).
Eligibility
CCJs Allowed
Credit Ratingpoor
History of Bankruptcynot in last 12 months
Minimum Age18 years
UK Resident
Virgin Atlantic Reward Credit Card
Balance transfers
0% for 6 months with a 3% fee
Purchases
22.9% p.a. variable
Representative APR (variable)
22.9% APR
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 22.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 22.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 22.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
MBNA Long 0% Money Transfer Card
Balance transfers
0% for 12 months with a 4% fee
Purchases
22.94% p.a. variable
Representative APR (variable)
22.9% APR
Balance Transfers and Money Transfers must be completed within the first 60 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 22.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 22.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident

We are classed as a credit broker for consumer credit, not a lender.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

Last updated: 13 July 2021

Can you get balance transfers and purchases credit cards?

Although you could get two cards – one for making purchases and another to make a balance transfer – having just one makes it easier to keep track of what you owe and repay it.

You can cover all your needs with a single card if you choose one that offers long enough 0% deals for both balance transfers and purchases. These are also often known as all rounder cards.

  • Balance transfers can save you money by cutting the interest you pay on an existing credit card balance. However, leading balance transfer cards do not always offer competitive deals for making purchases because many will charge you interest or come with a much shorter 0% period for spending.

  • 0% purchase cards offer an interest free period when you spend money on your new card but rarely offer competitive balance transfer deals.

Read more about what you need to know about balance transfers

Mistakes to avoid when using a 0% balance transfer and purchases card

Only making the minimum repayment: For any purchases you make on your credit, you are required to pay at least the minimum monthly repayment/ This is often a set amount like £5 or a percent of you balance. Often it depends on the size of your balance.

However, if you only make the minimum amount each month, you won't be able to to repay your full balance before the 0% offer period ends. You’ll end up being charged the revert rate on your remaining balance, which is much higher and thus make it hard for you to pay off your balance.

Not taking advantage of the entire offer period: The 0% offer is available as soon as your card is approved, not from when you make your first purchase. So if your card offers a 0% offer for 12 months but you don’t make a purchase or any repayments for the three months, you’ll only have nine months of your interest free period left to make use of. If you have to make a large purchase, make it as soon as you get your credit card, and start making repayments to make the most of the interest free period.

Click here to find the cards you are most likely to be accepted for, without affecting your credit score.

How balance transfer and purchases credit cards work

Having a single credit card for transferring your existing balances and making purchases can simplify your finances. It might be unnecessary and inconvenient to have two separate cards.

If you have existing credit card debt, you could look for a card with a very low initial interest period for balance transfers. Some cards will go as low as 0% interest, while some will offer introductory rates for as long as three years. This should make it easier to pay off your debts and even save while you repay.

Once you get your new card, you should transfer the balance from any existing credit cards you own to the new card. Your new card should have a lower rate of interest than your existing cards.

Alternatively, you could look for a top purchase card. These will usually come with an introductory three-month window in which you can make purchases without interest.

Be aware that once any 0% interest period ends, you will likely be charged a significantly higher APR on your remaining balance.

Advantages and disadvantages of a balance transfer and purchases credit card

Advantages

  • It is easier to pay off your outstanding credit card debt

  • You can spread the cost of expensive purchases without paying interest

  • You can spread the cost of expensive purchases without paying interest

Disadvantages

  • Missing payments could mean you lose your 0% interest rate

  • Your 0% interest period for purchases may end at a different time to the period for balance transfers, which could be confusing

  • When you make a balance transfer you will likely have to pay a percentage of the amount transferred as a one-off fee

Balance transfer and purchases cards FAQs

Some cards come with an interest free period of several months, so you can spread the cost of a purchase without paying interest.

You can transfer what you owe on a credit card to a new deal with a better interest rate or up to a few years interest free - here is how

Too many credit cards can hurt your credit record, but having cards for different uses can suit some people. Work out how many is right here.

Yes, looking at it helps lenders decide whether to accept you as well as what APR and credit limit they offer you.

Paying the full amount by direct debit means you never miss a payment or pay interest. Here are all the ways to repay.

About our credit cards comparison

Our comparison tables include providers we have commercial arrangements with. The number of listings in our tables can vary depending on the terms of those arrangements, as well as other market developments. They are all from lenders regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.

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