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Compare 0% balance transfer & purchase cards

We have found 75 out of 159 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 21.7% APR 66%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.
41 months 3 months 20.9% APR 70%Good

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 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.
40 months 3 months 20.9% APR 70%Good

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 6 months 18.9% APR 68%Good

Halifax 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% balance transfer fee applies with a 1.31% refund within 90 days, so the effective fee is 1.69% (Terms and conditions apply).
40 months 3 months 18.9% APR 66%Fair

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).
39 months 6 months 18.9% APR 67%Fair

Bank of Scotland Platinum 39 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% balance transfer fee applies with a 1.4% refund within 90 days, so the effective fee is 1.6% (Terms and conditions apply).
39 months 6 months 18.9% APR 66%Fair

Lloyds Bank Platinum 39 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% balance transfer fee applies with a 1.4% refund within 90 days, so the effective fee is 1.6% (Terms and conditions apply).
38 months 3 months 20.9% APR 70%Good

Virgin Money 38 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.
37 months 3 months 18.9% APR 68%Good

Halifax 37 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% balance transfer fee applies with a 1.61% refund within 90 days, so the effective fee is 1.39% (Terms and conditions apply).
37 months 6 months 18.9% APR 66%Fair

Barclaycard Platinum 37 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 1.40% by a refund (Terms and conditions apply).
36 months 3 months 20.9% APR 70%Good

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 66%Fair

Lloyds Bank Platinum 35 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% balance transfer fee applies with a 1.51% refund within 90 days, so the effective fee is 1.49% (Terms and conditions apply).
35 months 3 months 18.9% APR 66%Fair

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 68%Good

Halifax 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.
33 months 3 months 18.9% APR 66%Fair

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 0.91% so the overall fee is 0.59%. 3% balance transfer fee afterwards (minimum £3 at all times).
32 months 3 months 19.9% APR 70%Good

Virgin 32 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.
32 months 3 months 18.9% APR 69%Good

Tesco Bank Clubcard 32 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. The 0% offer is applied to any balances transferred within the first 90 days of account opening.
32 months 12 months 18.9% APR 67%Fair

Bank of Scotland Platinum 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.