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

    Joint market leading balance transfer & purchase card

    Great for
    2.9% fee applies but is reduced to 2.49% by a refund
    Paying 0% interest on balance transfers for 18 months
    Paying 0% on purchases for 14 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 14 months has expired, unless you repay your entire balance in full each month
    The APR you get is subject to status, so may vary

    Representative Example:

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

  2. Market leading

    Joint market leading balance transfer & purchase card

    Great for
    Collect double Nectar points on your Sainsbury's shopping (Ts&Cs apply)
    Collect 2 Nectar points per £1 spent on Sainsbury’s fuel
    Collect one Nectar point for every £5 spent on your card elsewhere
    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 won’t be able to transfer a balance that’s already on a Sainsbury’s Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 16.94% (variable) your representative APR will be 16.9% (variable).

  3. Great for
    Pre-Approval – Halifax current account customers can use ‘Will you get this card?’ to see if you are pre-approved for this card
    3% transfer fee applies, but is reduced to an effective of 0.8% fee by a refund
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Halifax credit card
    You won’t be able to transfer a balance that’s already on a Halifax Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) your representative APR will be 17.9% (variable).

    • Provider/Product name Credit Card

      M&S

      Credit Card

    • Balance transfer 0% 12 months 2.9%fee
    • Purchases 0% 15 months
    • Rewards Shopping Rewards Vouchers
    • Representative APR (variable) 16.9%APR
    • Your chance of approval

      Will you get this card?

      Start >>
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      More details

    500 M&S points

    Worth £5, when you first spend at M&S

    Great for
    Earning M&S points when you shop
    Buying M&S Travel Money with no cash advance or foreign exchange fees
    But be aware that
    The APR you get is subject to status, so may vary

    Representative Example:

    If you spend £1,200 at an annual interest rate of 16.9% (variable) your representative APR will be 16.9% (variable).

  4. Great for
    A low 13.9% p.a. variable on card purchases after promotional period
    Low balance transfer fee of 1.5%
    Transfer money to your current account
    But be aware that
    You cannot transfer a balance from another MBNA or Virgin card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 13.9% (variable) your representative APR will be 13.9% (variable).

  5. Great for
    3% balance transfer fee reduced by 2% refund to effective 1% fee
    A choice of ways to manage your account. Internet fraud protection
    Pre-Approval – Lloyds Bank current account customers can use ‘Will you get this card?’ to see if you are pre-approved for this card
    But be aware that
    Your APR is subject to status and may vary

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) your representative APR will be 17.9% (variable).

  6. Great for
    Keep track of your purchases with TSB Money Planner
    Internet fraud protection
    Balance Transfer fee cashback - refunds part of a 3% fee so overall a 1% fee is payable
    But be aware that
    The APR you get is subject to status, so may vary
    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 17.95% (variable) your representative APR will be 17.9% (variable).

  7. Great for
    Pre-Approval – Bank of Scotland current account customers can use ‘Will you get this card?’ to see if you are pre-approved for this card
    Cover against online fraud. A card replacement if lost
    3% fee applies, but is reduced to just 1% by a refund
    But be aware that
    You cannot apply if you currently hold another Bank of Scotland credit card

    Representative Example:

    If you spend £1,200 at a puchase interest rate of 17.95% (variable) your representative APR will be 17.9% (variable).

  8. Great for
    Upgrade up to Business Class when you spend £7,000 a year
    No foreign transaction fees when spending abroad
    Double Avios for 6 months on your Lloyds Bank Avios Rewards American Express card
    But be aware that
    There is a £24 annual fee
    You cannot transfer a balance from another Lloyds Bank card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) with a £24 annual Fee your representative APR will be 22.7% (variable).

  9. Great for
    Choosing the reward you want, which include high street vouchers, cashback and Avios
    Collecting double Choice points for the first 6 months on the American Express Card
    Collecting 10 Choice points for every £1 on the American Express® Card and 10 Choice points for every £5 on the MasterCard®
    But be aware that
    There is an annual fee of £24
    Your APR is subject to status and may vary
    Different earn rates of rewards/cashback apply dependent on card used

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) with a £24 annual Fee your representative APR will be 22.7% (variable).

  10. Great for
    Upgrade up to a Business Class when you spend £5,000 a year
    Companion ticket after you spend £12,000 a year, eligible at air partners
    No foreign transaction fees when spending abroad
    But be aware that
    There is a £140 annual fee
    You cannot transfer a balance from another Lloyds Bank card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) with a £140 annual Fee your representative APR will be 50.8% (variable).

  11. Great for
    3% balance transfer fee fully refunded in Nectar points (T&Cs apply)
    Collect Nectar points on your Sainsburys shopping and fuel
    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 won’t be able to transfer a balance that’s already on a Sainsbury’s Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 16.94% (variable) your representative APR will be 16.9% (variable).

  12. Market leading

    Lowest balance transfer fee

    Great for
    A low balance transfer fee
    Clubcard points on your spending. One point awarded for every £4 spent in each purchase transaction (£4 min). Must have available credit
    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% (variable) your representative APR will be 18.9% (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 to 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’ve 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
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.

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.

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