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Compare 0% balance transfer & purchase cards

We have found 49 out of 131 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.
36 months 3 months 20.9% APR 70%Good

Virgin Money 36 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.
36 months 3 months 19.9% APR 66%Fair

Lloyds Bank Platinum 36 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.94% (variable), representative 19.9% APR (variable). Credit available subject to status.
35 months 3 months 19.9% APR 68%Good

Halifax 35 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.95% (variable), representative 19.9% APR (variable). Credit available subject to status.
35 months 6 months 19.9% APR 66%Fair

Barclaycard Platinum 35 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. A fee of 3.5% will be applied, then reduced to 1.85% by a refund. Refunds will be made within 28 days. (Terms and conditions apply).
32 months 3 months 20.9% APR 70%Good

Virgin 32 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.
32 months 12 months 19.9% APR 66%Fair

Lloyds Bank Platinum 32 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.94% (variable), representative 19.9% APR (variable). Credit available subject to status.
32 months 3 months 18.9% APR 63%Fair

HSBC Advance 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 3 months 18.9% APR 63%Fair

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.
30 months 3 months 20.9% APR 70%Good

Virgin 30 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.
30 months 12 months 19.9% APR 68%Good

Halifax 30 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.95% (variable), representative 19.9% APR (variable). Credit available subject to status.
30 months 6 months 19.9% APR 66%Fair

Barclaycard Platinum 30 Month Balance Transfer

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. A fee of 3.5% will be applied, then reduced to 0.55% by a refund. Refunds will be made within 28 days. (Terms and conditions apply).
30 months 6 months 18.9% APR 66%Fair

Sainsbury's Bank 30 Month Balance Transfer Credit Card

@Sainsbury's Bank

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.
30 months 30 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.
29 months 29 months 18.9% APR 68%Good

Halifax 29 Month Balance Transfer and Purchase 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.
29 months 29 months 18.9% APR 67%Fair

Bank of Scotland Platinum 29 Month Purchase and 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.
29 months 29 months 18.9% APR 66%Fair

Lloyds Bank Platinum 29 Month Purchase and 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.
28 months 28 months 18.9% APR 70%Good

Virgin 28 Month All Round 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.
27 months 27 months 19.9% APR 66%Fair

Barclaycard Platinum 27 Month Balance Transfer and Purchase 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. 3.5% Balance Transfer Fee applies but this is reduced to 1.45% by a refund. Refunds will be made within 28 days. (Terms and conditions apply).
27 months 27 months 18.9% APR 66%Fair

Sainsbury's Bank Dual Offer Credit Card

@Sainsbury's Bank

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.
27 months 3 months 18.9% APR 66%Fair

Santander Everyday 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.