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Compare 0% balance transfer & purchase cards

We have found 80 out of 154 credit cards that offer 0% on balance transfers and purchases.

Transfer existing borrowing and pay no interest, plus get interest-free spending for a limited period.

Benefits
Combine your existing credit debt and any new spending on one credit card without paying any interest.
Pitfalls
0% deals tend to be much shorter than separate balance transfer and 0%-on-purchases credit cards.
43 months 6 months 18.9% APR 66%Fair

Halifax 43 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. An initial 3.5% fee applies with a refund of 0.22% within 90 days, so the effective fee is 3.28% (Terms and conditions apply).
42 months 6 months 18.9% APR 64%Fair

Barclaycard Platinum 42 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status. A fee of 3.5% will be applied, then reduced to 2.99% by a refund (Terms and conditions apply).
42 months 6 months 18.9% APR 62%Poor

Lloyds Bank Platinum 42 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.94% (variable), representative 18.9% APR (variable). Credit available subject to status. An initial 3% fee applies with a refund of 0.65% within 90 days, so the effective fee is 2.35% (Terms and conditions apply).
42 months 3 months 18.9% APR 62%Poor

Sainsbury’s Bank 42 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. 4% balance transfer fee refunded to 2.35% on transfers made in the first 3 months. (3% thereafter, £3 fee minimum at all times).
41 months 3 months 18.9% APR 72%Good

AA Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.
41 months 3 months 18.9% APR 66%Fair

Post Office Money Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.
41 months 3 months 20.9% APR 66%Fair

Virgin 41 Month Balance Transfer Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 20.9% (variable), representative 20.9% APR (variable). Credit available subject to status.
41 months 6 months 21.7% APR 64%Fair

Santander All in One Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
  2. This credit card has a high annual fee of more than £25, making it more expensive to use overall than others with the same APR.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 15.9% (variable), with a £36 annual fee, representative 21.7% APR (variable). Credit available subject to status.
40 months 3 months 20.9% APR 66%Fair

Virgin 40 Month Balance Transfer Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 20.9% (variable), representative 20.9% APR (variable). Credit available subject to status.
40 months 3 months 18.9% APR 65%Fair

Tesco Bank Clubcard Credit Card for Balance Transfers and Money Transfers

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status. The 0% offer is applied to any balances or money transferred within the first 90 days of account opening.
40 months 6 months 18.9% APR 64%Fair

Bank of Scotland Platinum 40 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. An initial 3% fee applies with a refund of 1.12% within 90 days, so the effective fee is 1.88% (Terms and conditions apply).
40 months 6 months 18.9% APR 64%Fair

Barclaycard Platinum 40 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status. A fee of 3.5% will be applied, then reduced to 1.93% by a refund (Terms and conditions apply).
40 months 3 months 18.9% APR 62%Poor

Sainsbury's Bank Nectar 40 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. Nectar cardholders only - You'll pay a 2.89% fee to transfer a balance to this card in the first 3 months. Sainsbury's will then refund 1.11%, so the overall fee is 1.78%. 3% balance transfer fee applies afterwards (minimum £3 at all times).
38 months 6 months 18.9% APR 64%Fair

Barclaycard Platinum 38 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status. A fee of 3.5% will be applied, then reduced to 1.45% by a refund (Terms and conditions apply).
36 months 3 months 20.9% APR 66%Fair

Virgin 36 Month Money Transfer Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 20.9% (variable), representative 20.9% APR (variable). Credit available subject to status.
35 months 3 months 18.9% APR 62%Poor

Sainsbury's Bank 35 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. You'll pay a 1.5% fee to transfer a balance to this card in the first 3 months. 3% balance transfer fee afterwards (minimum £3 at all times).
33 months 3 months 18.9% APR 62%Poor

Sainsbury's Bank 33 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. You'll pay a 1.5% fee to transfer a balance to this card in the first 3 months. Sainsbury's will then refund 0.81% so the overall fee is 0.69%. 3% balance transfer fee afterwards (minimum £3 at all times).
33 months 3 months 18.9% APR 62%Poor

Sainsbury's Bank Nectar 33 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. Nectar cardholder exclusive. You'll pay a 1.5% fee to transfer a balance to this card in the first 3 months. Sainsbury's will then refund 0.88% so the overall fee is 0.62%. 3% balance transfer fee afterwards (minimum £3 at all times).
32 months 3 months 18.9% APR 68%Good

HSBC Visa Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.
32 months 12 months 18.9% APR 66%Fair

Halifax 32 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status.