Compare balance transfer & purchase credit cards

Save money on balance transfers and retail purchases with MoneySupermarket's comparison of the best credit cards with 0% on balance transfers and 0% on purchases. Some of them even give you rewards as well! Nobody wants a wallet full of credit cards.

Featured balance transfer & purchases - sorted by longest combined balance transfer and purchase offer

Apply for the cards below today or search all balance transfer & purchase cards

  1. Market leading

    Market leading combined purchase and balance transfer credit card

    Great for
    Managing your card online using Online Banking and Mobile Banking
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  2. Great for
    Transferring money to your current account with 0% interest for 24 months (1.9% fee applies)
    If approved, you will get the advertised offer
    Access to a range of great Virgin offers
    But be aware that
    You cannot transfer a balance from another credit card issued by Virgin Money
    The promotional period applies to transfers made in the first 60 days

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  3. 2015 SUPERS

    Winner of the best overall provider

    Great for
    Earning monthly cashback on your everyday spending. 3% cashback on fuel, National Rail and TfL, 2% cashback at department stores and 1% cashback at supermarkets
    1|2|3 Current Account holders existing and new: Receive a refund of your first years annual fee on this card
    Subject to status. You will receive the exact rate and offer advertised if your application is accepted
    But be aware that
    There is a £24 annual fee - refunded for the first year for existing 1|2|3 Santander current account customers

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 12.7% p.a. (variable) with a £24 annual Fee your representative rate will be 16.5% APR (variable).

  4. Great for
    Transferring money to your current account with 0% interest for 20 months (4% fee applies, min £3)
    But be aware that
    The 1.5% fee only applies to balance transfers within the first 60 days
    The product, APR and promotional offer are dependent on your personal circumstances
    You cannot transfer balances between MBNA accounts

    Representative Example:

    If you spend £1,200 at a puchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  5. Great for
    Eligibility check: Find out if you are eligible before applying for this card
    Transferring money to your current account with 0% interest for 20 months (4% fee applies, min £3)
    Contactless payments for items up to £20
    But be aware that
    You cannot transfer balances between MBNA accounts
    The product, APR and promotional offer are dependent on your personal circumstances
    The balance transfer and money transfer offers are only valid for the first 60 days

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  6. Great for
    3% fee applies, but is reduced to 1.99% by a refund
    Paying 0% interest on balance transfers for 20 months
    Paying 0% on purchases for 20 months
    But be aware that
    If you have a balance transfer you will pay interest on all purchases made once the 0% purchase rate for 20 months has expired, unless you repay your entire balance in full each month
    The APR and length of the promotional offer are dependent on your personal circumstances

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  7. Exclusive

    You won't get this card on any other comparison site.

    Great for
    Apply online and get a decision within 60 seconds
    If accepted, the length of promotional offer will be as stated
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Tesco Credit Card
    Card only available if you apply online

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  8. Great for
    Keep track of your purchases with TSB Money Planner
    Internet fraud protection
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You won’t be able to transfer a balance that’s already on a TSB card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) your representative rate will be 18.9% APR (variable).

  9. Great for
    Managing your card online using Online Banking and Mobile Banking
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) your representative rate will be 18.9% APR (variable).

  10. Great for
    Managing your card online using Internet Banking and Mobile Banking
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  11. Great for
    Collect two Nectar points per £1 spent on Sainsbury's shopping and fuel
    Collect one Nectar point for every £5 spent on your card elsewhere
    No cash advance fee on Sainsbury's Travel Money purchases
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Sainsbury’s Credit Card
    You cannot transfer a balance from another Sainsbury's Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  12. 2015 SUPERS

    Winner of the best overall provider

    Great for
    0% for 15 months on purchases and balance transfers
    No fee to transfer a balance
    But be aware that
    You cannot transfer a balance from another Santander card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  13. Great for
    Apply online and get a decision within 60 seconds
    If accepted, the length of promotional offer will be as stated
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Tesco Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  14. Great for
    Collect two Nectar points per £1 spent on Sainsbury's shopping and fuel
    Collect one Nectar point for every £5 spent on your card elsewhere
    No cash advance fee on Sainsbury's Travel Money purchases
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Sainsbury’s Credit Card
    You cannot transfer a balance from another Sainsbury's Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  15. Great for
    Apply online and get a decision within 60 seconds
    If accepted, the length of the promotional offer will be as stated
    But be aware that
    The APR is subject to status, so may vary
    You cannot apply if you currently hold another Tesco Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

Balance transfer & purchases guide

Nobody wants a wallet full of credit cards. For a start, it can be tricky to manage, plus you could be more likely to run up debts.

Two cards in one

But what if you want your credit card to fulfil more than one function? You might want a purchase credit card to make a major purchase with. But you might also need a balance transfer card if you have built up other card debts over the years on which you are paying a high rate of interest.

For example, anyone with debts on a store card could be paying an annual percentage rate (APR) of about 30%. A switch to a cheaper balance transfer deal could wipe out this interest instantly for the stated period of time.

Some people take out two separate cards – one for balance transfers and one for purchases. But if you want to cut down on the weight in your wallet, several issuers offer a good deal on both balance transfer and purchases, all on one card.

0% deals

For example, a number of balance transfer and purchase cards charge zero interest on both purchases and balance transfers for a limited period, which could be 12 months or more. And the cards can be a great way to cut the cost of credit and manage your debts.

Let’s say you pay for a £2,400 holiday with a card that charges zero interest for 12 months. If you set up a direct debit to pay £200 every month for a year, you will clear the debt by the time the 0% offer expires and pay no interest. In other words, the card works like an interest free loan.

At the same time, you can switch any debts you have on another card. And, again, so long as you clear the outstanding balance within the 0% period, you will pay no interest.

Transfer fees

Watch out for fees though. Most 0% balance transfer cards charge a fee of between 2% and 3% of the outstanding balance to switch. A borrower with a debt of £2,000 could therefore pay a transfer fee of up to £60. But don’t let the fees put you off completely as you can still often make a saving by moving to a cheaper card.  

You should also read the terms and conditions carefully as most cards do not offer the same deal on balance transfers and purchases. For example, your card might charge 0% on purchases for 12 months and 0% on balance transfers for nine months – and it can be confusing to juggle the two schedules. You might also be able to get a better deal if you opt for two separate cards.

Difficulty with debt

Most cards these days do not charge an annual fee, but there will almost certainly be penalties if you are late with a payment, miss a payment or breach your credit limit. If you think you are getting into difficulty with debt, seek advice immediately. A number of organisations offer free debt advice, including National Debtline and Step Change.

Compare credit cards

There are hundreds of credit card offers on the market, but MoneySupermarket’s free independent comparison service can quickly and easily find the best deal for you, whether you want a balance transfer card, a purchase card, or both.

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
9.5/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free, independent and compare all UK credit cards as well as offering exclusive deals you can't get anywhere else.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

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