Our best balance transfer and purchase cards

Most users see cards they’re likely to be accepted for

65%^

of MoneySuperMarket users were pre-approved for a balance transfer & purchase credit card.

Average guaranteed credit limit of

£2656^

for MoneySuperMarket users searching for a balance transfer and purchase card.

Get 12 months Apple TV subscription. New customers only. Offer ends 10:00 28/05/2026. T&Cs apply. Only available through MONY Group

Barclaycard

Platinum Balance Transfer Offer

Balance transfer

0% 24 months, then 24.9% 3.45% fee
Purchases

0% 21 months, then 24.9%

Check Eligibility

Representative example: If you spend £1,200.00 at a purchase rate of 24.9% (variable) p.a. your representative APR is 24.9% (variable)

Great for

If you do not pay your balance in full Barclaycard will allocate your payments to balances with the highest interest rate before balances with lower interest rates. Please refer to Barclaycard terms for full breakdown
0% interest on balance transfers for 24 months from the date you open your account (3.45% fee applies). Transfers must be made within 60 days to benefit from the 0% offer. 0% interest on purchases for 21 months from the date you open your account
Register to earn cashback on your everyday spending at a range of participating retailers. T&Cs apply

But be aware that

You might get different interest rates and promotional periods and fees to those shown here, because these depend on your circumstances
Balance Transfers must be made within the first 60 days to get the promotional offer

Pay no interest from account opening with 23 months on balance transfers and 21 months on purchases you make in the first 60 days.

MBNA

Dual 0% Transfer and Purchase Credit Card

Balance transfer

0% 23 months, then 24.9% 3.49% fee
Purchases

0% 21 months, then 24.9%

Check Eligibility

Representative example: If you spend £1,200.00 at a purchase rate of 24.94% (variable) p.a. your representative APR is 24.9% (variable)

Great for

If you're accepted, you'll get the interest rate and promotional period shown
Purchases and balance transfers will be at the promotional rate, providing you make them within the first 60 days of account opening
Earn up to 15% cashback with selected retailers on your Credit Card purchases by registering for MBNA Smart Rewards. Retailer offers and cashback amounts vary. T&Cs apply

But be aware that

You cannot transfer a balance from another credit card issued by MBNA. Balance transfers and purchases must be made within the first 60 days to get the promotional offers
When the promotional offer ends and for purchases and balance transfers made after the first 60 days, your standard variable rates and fees at that time will apply
If you need to update or change any information once on the lender's website, this could change their decision to offer this product

Pay no interest from account opening with 22 months on balance transfers and 20 months on purchases you make in the first 60 days

MBNA

Dual 0% Transfer and Purchase Credit Card

Balance transfer

0% 22 months, then 26.9% 3.49% fee
Purchases

0% 20 months, then 26.9%

Check Eligibility

Representative example: If you spend £1,200.00 at a purchase rate of 26.94% (variable) p.a. your representative APR is 26.9% (variable)

Great for

If you're accepted, you'll get the interest rate and promotional period shown
Purchases and balance transfers will be at the promotional rate, providing you make them within the first 60 days of account opening
Earn up to 15% cashback with selected retailers on your Credit Card purchases by registering for MBNA Smart Rewards. Retailer offers and cashback amounts vary. T&Cs apply

But be aware that

You cannot transfer a balance from another credit card issued by MBNA. Balance transfers and purchases must be made within the first 60 days to get the promotional offers
When the promotional offer ends and for purchases and balance transfers made after the first 60 days, your standard variable rates and fees at that time will apply
If you need to update or change any information once on the lender's website, this could change their decision to offer this product

Get 12 months Apple TV subscription. New customers only. Offer ends 10:00 28/05/2026. T&Cs apply. Only available through MONY Group

Barclaycard

Platinum Purchase Offer

Balance transfer

0% 21 months, then 24.9% 3.45% fee
Purchases

0% 24 months, then 24.9%

Check Eligibility

Representative example: If you spend £1,200.00 at a purchase rate of 24.9% (variable) p.a. your representative APR is 24.9% (variable)

Great for

0% interest on purchases for 24 months from the date you open your account
0% interest on balance transfers for 21 months from the date you open your account (3.45% fee applies). Transfers must be made within 60 days to benefit from the 0% offer
Register on the Barclays or Barclaycard App to earn cashback on your everyday spending at a range of participating retailers. T&Cs apply

But be aware that

You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances
You must transfer a balance within the first 60 days to get the promotional offer

Winner of Credit Card Provider of the Year at the Moneyfacts Awards 2026

Lloyds Bank

0% Purchase and Balance Transfer Credit Card

Balance transfer

0% 21 months, then 24.9% 3.49% fee
Purchases

0% 23 months, then 24.9%

Check Eligibility

Representative example: If you spend £1,200.00 at a purchase rate of 24.94% (variable) p.a. your representative APR is 24.9% (variable)

Great for

If you're accepted, you'll get the interest rate and promotional period shown.
Purchases and balance transfers will be at the promotional rate, providing you make them within the first 60 days of account opening
Earn up to 15% cashback with selected retailers on your Credit Card purchases by registering for MBNA Smart Rewards. Retailer offers and cashback amounts vary. T&Cs apply

But be aware that

You cannot transfer a balance from another credit card issued by MBNA. Balance transfers and purchases must be made within the first 60 days to get the promotional offers
When the promotional offer ends and for purchases and balance transfers made after the first 60 days, your standard variable rates and fees at that time will apply
If you need to update or change any information once on the lender's website, this could change their decision to offer this product

This is a selection of our top 3 balance transfer and purchase cards, ordered by longest 0% balance transfer period.

What is a balance transfer and purchase credit card?

A balance transfer and purchase credit card is a card designed to accept debt from other credit cards and be used for spending. It is a combination of a:

Balance transfer card: Offering low or 0% interest rates on transferred balances from other credit cards to help you clear your debt
Purchase credit card: Offering low or 0% interest rates on new purchases you make on the card

The best balance transfer and purchase cards offer 0% interest on transferred balances and spending for a time, sometimes up to six months or more.

According to MoneySuperMarket data, the average credit limit for people searching for balance transfer and purchase credit cards through us is £2656^{^} .

How do they work?

Transfer debt: Move a balance from an existing credit card onto the new card with a much lower rate of interest. There may be a one-off fee to pay
Spend on the card: Use the new card for making purchases with low or even 0% interest to pay for a fixed period, giving you more time to clear the balance
Pay off the balance: Keep an eye on when the 0% or low interest rates end for both the balance transfer and purchases because the APR will then rise considerably

According to our data, the average representative APR for those searching for balance transfer & purchase cards is 27.8%^{^} , which is very similar to the average for regular balance transfer cards - 27.9%^{^}

View statements online

Keep tabs on your debt balance and statements online or through the provider’s app.
Pay off debts

Use the 0% offer period to pay off outstanding debt more quickly – saving you money.
Interest free purchases

If you have a large purchase to make you can pay it off without incurring interest.
Important dates

Clear your balance or switch to a new card when you reach the end date of your 0% offer.

Advantages
- Allows you to pay low or 0% interest rates on balance transfers
- Lets you make purchases without paying interest during the promotional period
- Ideal if you’re looking to boost your credit score and save money
Disadvantages
- 0% interest rates are time limited
- Failure to pay off within the promotional period means you may be subject to high annual percentage rates and have to do another balance transfer
- Can be hard to get 0% deals when you have a poor credit rating
- Temptation to spend more on purchases on credit card during the low-interest, or 0%, period

Tell us about yourself

We’ll ask you some questions about you and your financial circumstances, and what you need from a credit card.
We browse the market

We’ll sift through dozens of credit card offers from across the market, and then show you the most suitable deals for you.
Pick the best card for you

You’ll be shown a range of credit card deals, which you can sort according to 0% interest periods, interest rates and your chances of being approved.

Find a card

Our expert says…

If you’re paying a high rate of interest on a credit card, transferring it to a 0% card via a balance transfer usually makes sense. You lower the rate of interest so you can focus on paying off the debt. But if you also need a 0% purchase card, perhaps because you want to spread the cost of a new item over three or six months, a purchase credit card can help. So, instead of taking out two cards, a combined card might be your best bet. Just remember, there will be a charge for the balance transfer and interest will apply after the initial 0% period so keep a close eye on the charges and interest.

Kara Gammell Personal Finance & Insurance Expert

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What happens if I miss a payment?

If you don’t make at least the minimum payment on your credit card when required then you run the risk of:

Having your 0% introductory period withdrawn so you revert to the much higher APR
Being charged a late payment fee
Damaging your credit rating for failing to keep up with repayments

Is a balance transfer a good idea?

A balance transfer can be a great way to manage a moderate amount of credit card debt – provided you’re disciplined about paying the debt off in time. Every balance transfer card has a time limit on the low-interest period it offers; if the balance isn’t cleared when that period runs out, you’ll end up paying quite a high rate of interest on what remains – potentially wiping out the savings you’d made.

Can you still use your credit card after a balance transfer?

You can, but most normal balance transfer cards don’t have terms that are particularly good for spending. If you want a card that lets you transfer balances and spend money, a balance transfer and purchase credit card is a better idea.

What is the longest 0% period for balance transfer and purchase cards?

The interest free periods on balance transfer and purchase cards will vary depending on the provider. As a general rule the higher your credit rating and the stronger your financial circumstances the more likely a lender will accept you for the longest 0% interest offer periods. With a combined transfer and spending card the 0% offer periods are often different lengths. For example a card may offer 18 months 0% interest for balance transfers and six months at 0% interest for new spending. In some cases it may be possible to get 0% interest on a balance transfer for between two and three years, for example.

Are there balance transfer cards with no transfer fee?

Some cards will come without a transfer fee, but typically they will offer shorter 0% interest periods, or a low APR rather than 0% interest.

Should I get a 0% APR interest balance transfer card?

A zero per cent interest balance transfer card can be a good choice if you have existing credit card debts which you want to pay off more quickly. By switching your balance to a new card with 0% APR for an extended time you can pay down the debt without incurring more interest on your borrowing. Remember to factor in any balance transfer fee on the new card. And also be aware that the interest rate (APR) is likely to rise steeply after the 0% interest offer period ends. For this reason you should look to clear your debt during the offer period or move the balance again to another 0% interest balance transfer card.

What is the best way to pay off my balance on a balance transfer and purchase credit card?

To effectively pay off your balance on a balance transfer and purchase credit card, set up a direct debit from your bank account for at least the minimum payment. This ensures you never miss a payment and helps avoid interest charges and fees. To reduce your balance faster, consider setting up a direct debit for a fixed amount higher than the minimum payment each month. This strategy helps clear the debt more efficiently while also maintaining a good credit score.

How is the card different to a money transfer credit card?

A money transfer card allows you to transfer funds directly from your credit card to your bank account, enabling you to pay off overdrafts or other expenses. In contrast, a balance transfer and purchase card is designed for transferring credit card debt and making new purchases at lower interest rates.

Work out a payment schedule

Divide the amount you transfer by the number of months your interest-free deal lasts for. The result is the amount you need to pay each month to clear the debt.

Don’t add to your balance

If you do not clear the balance by the end of the 0% period, you will be charged interest on what you owe.

You will have to make at least a minimum payment each month.

If you know you’re not going to clear the balance within the 0% period, you could consider transferring to another card with an interest-free period.

What is the difference between balance transfer and money transfer?

Balance transfer and money transfer cards work in a similar way – helping you move expensive debts onto a cheaper and more manageable rate or 0% APR interest for a time. The difference is that they’re used for different types of debts. A balance transfer card lets you move debt onto it from another credit card or cards, while a money transfer card lets you move debt from your bank account instead – typically to pay off an overdraft.

Stick to your limit

Avoid exceeding your credit limit or you’ll face penalties such as losing your interest-free deal.

Manage your old cards

Make the necessary payments to the card or cards you move the balance from, especially if you do not clear the balance completely.

Transfer again if necessary

If you do not clear the balance by the end of the interest-free period, transfer that sum to another 0% balance transfer card.

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So how do we make our money? In a nutshell, when you use us to buy a product, we get a reward from the company you’re buying from.

But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?

We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.

Balance transfer and purchase cards

Compare our best 0% balance transfer and purchase cards

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