Although you could get two cards - one for making purchases and another to make a balance transfer - having just one makes it easier to keep track of what you owe and repay it.

You can cover all your needs with a single card if you choose one that offers long enough 0% deals for both balance transfers and purchases.

  • Balance transfers can save you money by cutting the interest you pay on an existing credit card balance. However, leading balance transfer cards do not always offer competitive deals for making purchases because many will charge you interest or come with a much shorter 0% period for spending.

  • 0% purchase cards offer an interest free period when you spend money on your new card but rarely offer competitive balance transfer deals.

Too many cards could harm your credit record

Applying for several cards at the same time could damage your credit record.

If you choose just one card with good enough deals on balance transfers and purchases, it could help protect your credit file.

See how much you could save

Our table above lists every credit card that offers both interest free purchases and balance transfers.

Use the calculator at the top to work out which card best fits your needs:

  1. Select the amount you need to transfer to your new card

  2. Choose how much you plan to spend on it

  3. Specify your current credit card provider

The table will then show you how much you could save with every 0% card. The biggest savings will be displayed first to help you choose the best one.

Balance transfer and purchases cards FAQs

Q

What are interest free purchases on credit cards?

A

Some cards come with an interest free period of several months, so you can spread the cost of a purchase without paying interest.

Q

What are balance transfer credit cards?

A

You can transfer what you owe on a credit card to a new deal with a better interest rate or up to a few years interest free - here is how

Q

How many credit cards should I have?

A

Too many credit cards can hurt your credit record, but having cards for different uses can suit some people. Work out how many is right here.

Q

Does my credit record matter?

A

Yes, looking at it helps lenders decide whether to accept you as well as what APR and credit limit they offer you.

Q

How should I repay my credit card?

A

Paying the full amount by direct debit means you never miss a payment or pay interest. Here are all the ways to repay.

About our credit cards comparison

Q

Who do we include in this comparison?

A

We include all of the personal credit cards you can get in the UK, apart from those offered exclusively through other companies. They are all from lenders regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.