Compare balance transfer and purchases credit cards

Choose a card that could save you money by offering 0% interest on both balance transfers and purchases.

  • Get 0% interest on balance transfers and purchases
  • Save on paying off debt, or spread the cost of large purchases
  • Apply in minutes

Find and compare the cards available to you

without affecting your credit score

Compare 0 Balance Transfer and Purchase Credit Cards from top providers

You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

Santander
Capital One
Sainsbury's Bank
Lloyds Bank
MBNA Ltd
Halifax
Barclaycard

How to get the cheapest deal for balance transfer and purchase credit cards

Compare as many deals as possible

This allows you to see the deals available to you in the market, so you can make an informed decision.

What to look for

Look for 0% interest rate credit cards with long interest free periods and the lowest balance transfer fees.

What to watch out for

Be aware that often a single credit card can offer differing interest free periods on balance transfers and purchases.

Balance transfer and purchase card deals

22 results found, sorted by most popular. How we order our comparisons.
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£20 Cashback
Barclaycard Platinum Balance Transfer & Purchase Credit Card
Balance transfers
0% for 22 months with a 2.9% fee
Purchases
0% for 25 months
Representative APR (variable)
22.9% APR
Barclaycard Platinum Balance Transfer & Purchase Credit Card
Get £20 cashback when you spend £250 or more within 90 days of opening your account. Offer ends 9th September 2022. T&Cs and exclusions apply. New customers only.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 22.9% p.a. variable with no fee.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 22.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 22.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
Sainsbury's Bank Dual Offer Credit Card
Balance transfers
0% for 24 months with a 2.88% fee (£3 min.)
Purchases
0% for 24 months
Representative APR (variable)
21.9% APR
Sainsbury's Bank Dual Offer Credit Card
A 2.88% fee is applied to balance transfers at application (minimum £3). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period of 24 or 16 months instead depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Sainsbury's Bank Low Balance Transfer Fee Credit Card (22 Mths)
Balance transfers
0% for 22 months with no fee
Purchases
0% for 3 months
Representative APR (variable)
21.9% APR
Sainsbury's Bank Low Balance Transfer Fee Credit Card (22 Mths)
Balance Transfer fee of 0% or 1% applies to transfers made within your first three months, depending on your individual circumstances. The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 22 or 14 months instead, depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Earn 1% cashback on purchases made abroad between 13 June and 18 September 2022
Santander Everyday No Balance Transfer Fee Credit Card
Balance transfers
0% for 21 months with no fee
Purchases
0% for 3 months
Representative APR (variable)
21.9% APR
Santander Everyday No Balance Transfer Fee Credit Card
Once 0% deals end, you’ll be charged 21.9% p.a. variable on outstanding balances. Earn 1% cashback on purchases made abroad between 13/6/22 and 18/9/22 (T&Cs apply) and 15% cashback through Retailer Offer, a free service through Online and Mobile Banking.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,500
UK Resident
Halifax Longest 0% Balance Transfer Credit Card
Balance transfers
0% for 34 months with a 3.49% fee
Purchases
0% for 6 months
Representative APR (variable)
21.9% APR
Halifax Longest 0% Balance Transfer Credit Card
Balance Transfers must be completed within the first 90 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
MBNA Money Transfer Card
Balance transfers
0% for 12 months with a 4% fee
Purchases
22.94% p.a. variable
Representative APR (variable)
22.9% APR
MBNA Money Transfer Card
Balance Transfers and Money Transfers must be completed within the first 60 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 22.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 22.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Lloyds 0% Purchase and Balance Transfer Card
Balance transfers
0% for 15 months with a 2.99% fee
Purchases
0% for 18 months
Representative APR (variable)
21.9% APR
Lloyds 0% Purchase and Balance Transfer Card
Balance Transfers must be completed within the first 90 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Sainsbury's Bank Balance Transfer 34 Months Credit Card
Balance transfers
0% for 34 months with a 2.88% fee (£3 min.)
Purchases
0% for 3 months
Representative APR (variable)
21.9% APR
Sainsbury's Bank Balance Transfer 34 Months Credit Card
Balance transfer fee of 2.88% or 3.88% applies to transfers made at application (£3 minimum). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 34 or 26 months, depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Barclaycard Avios Card
Balance transfers
23.9% p.a. variable
Purchases
23.9% p.a. variable
Representative APR (variable)
23.9% APR
Barclaycard Avios Card
If you’re new to Barclaycard, you’ll collect 5,000 Avios if you spend £1,000 in your first 3 months. Collect 1 Avios for every £1 spent on eligible purchases to put towards flights, hotels, car hire and more. T&Cs apply.
British Airways cabin upgrade voucher if you spend £20,000 in a card year.
Representative Example: The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age21 years
Minimum Income£20,000
UK Resident
Barclaycard Rewards Credit Card
Balance transfers
23.9% p.a. variable
Purchases
23.9% p.a. variable
Representative APR (variable)
23.9% APR
Barclaycard Rewards Credit Card
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
Representative Example: The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age21 years
Minimum Income£3,000
UK Resident
Lloyds Bank Low Fee 0% Balance Transfer Credit Card
Balance transfers
0% for 24 months with a 1.99% fee
Purchases
0% for 6 months
Representative APR (variable)
21.9% APR
Lloyds Bank Low Fee 0% Balance Transfer Credit Card
Balance Transfers must be completed within the first 90 days to get the promotional offers.
Transfer a balance within 90 days of opening an account to get the 0% deal; otherwise the rate will be 21.94% p.a. variable with a 5% fee.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Barclaycard Forward Credit Card
Balance transfers
33.9% p.a. variable
Purchases
0% for 3 months
Representative APR (variable)
33.9% APR
Barclaycard Forward Credit Card
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
The rate shown here is the rate you will receive if accepted for the card. Not available to applicants who already have a Barclaycard credit card.
Representative Example: The standard interest rate on purchases is 33.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 33.9% (variable).
Eligibility
CCJs Allowedonly one allowed
Credit Ratingpoor
History of Bankruptcyfalse
Minimum Age18 years
Minimum Income£3,000
UK Resident
Sainsbury's Bank Balance Transfer Credit Card (29 Mths)
Balance transfers
0% for 29 months with a 1% fee (£3 min.)
Purchases
0% for 3 months
Representative APR (variable)
21.9% APR
Sainsbury's Bank Balance Transfer Credit Card (29 Mths)
A Balance transfer fee of 1% or 2% applies on transfers made at application, depending on your circumstances (£3 minimum). The charge will depend on your current offer thereafter.
Once the 0% deal ends the balance transfer rate will be 21.95% p.a. variable with a 3% fee.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 29 or 21 months, depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Sainsbury's Bank Balance Transfer Credit Card (31 Mths)
Balance transfers
0% for 31 months with a 1.98% fee (£3 min.)
Purchases
0% for 3 months
Representative APR (variable)
21.9% APR
Sainsbury's Bank Balance Transfer Credit Card (31 Mths)
Balance transfer fee of 1.98% or 2.98% applies to transfers made at application (£3 minimum). The charge will depend on your current offer thereafter.
Once the 0% deal ends the balance transfer rate will be 21.95% p.a. variable with a 3% fee.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 31 or 23 months, depending on your individual circumstance.
Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Lloyds Credit Card
Balance transfers
9.94% p.a.variable with no fee
Purchases
9.94% p.a. variable
Representative APR (variable)
9.9% APR
Lloyds Credit Card
Transfer a balance within 90 days of opening an account to get the no fee deal; otherwise the fee will be 5% thereafter. You may be eligible to apply for a second credit card. Conditions apply.
Representative Example: The standard interest rate on purchases is 9.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 9.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Capital One Classic Complete Card
Balance transfers
0% for 4 months with a 3% fee
Purchases
0% for 4 months
Representative APR (variable)
34.9% APR
Capital One Classic Complete Card
Once the 0% deal ends the balance transfer rate will be 34.94% p.a. variable with a 3% fee.
Representative Example: The standard interest rate on purchases is 34.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% (variable).
Eligibility
CCJs Allowed
Credit Ratingpoor
History of Bankruptcynot in last 12 months
Minimum Age18 years
UK Resident
Capital One Balance Credit Card
Balance transfers
0% for 6 months with a 3% fee
Purchases
34.94% p.a. variable
Representative APR (variable)
34.9% APR
Capital One Balance Credit Card
Once the 0% deal ends the balance transfer rate will be 34.94% p.a. variable with a 3% fee.
Representative Example: The standard interest rate on purchases is 34.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% (variable).
Eligibility
CCJs Allowed
Credit Ratingpoor
History of Bankruptcynot in last 12 months
Minimum Age18 years
UK Resident

We are classed as a credit broker for consumer credit, not a lender.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

What is a 0% balance transfer and purchases card?

These are often known as 'combo cards' you essentially get the features of two types cards in a single card - making purchases and doing a balance transfer.

Why get a balance transfer and purchase credit card?

Having a single credit card for transferring your existing balances and making purchases can simplify your finances. It might be unnecessary and inconvenient to have two separate cards.

If you have existing credit card debt, you could look for a card with a very low initial interest period for balance transfers. Some cards will go as low as 0% interest, while some will offer introductory rates for as long as three years. This should make it easier to pay off your debts and even save while you repay.

What's the difference between balance transfers and purchases?

Balance transfers 

These save you money by cutting the interest you pay, by transferring the balance from an existing credit card to a a new card. However, leading balance transfer cards do not always offer competitive deals for making purchases.

0% purchase cards

These often offer lengthy interest free periods, which allow you to make purchases and spread the cost over several months without paying any interest. However, most purchase cards, rarely offer competitive balance transfer deals.

Pros and cons of a balance transfer and purchases credit card

  • It is easier to pay off your outstanding credit card debt
  • You can spread the cost of expensive purchases without paying interest
  • You don't need to apply for multiple cards in quick succession, which can damage your credit score
  • Missing payments could mean you lose your 0% interest rate
  • Your 0% interest period for purchases may end at a different time to the period for balance transfers, which could be confusing
  • When you make a balance transfer you will likely have to pay a percentage of the amount transferred as a one-off fee
Salman Haqqiquotation mark
With a combo card you can keep the number of cards you have to a minimum with a single card that offers 0% interest on both balance transfers and purchases. Just be aware that often these cards don't have the same timeframe for interest-free balance transfers and purchases.
Salman Haqqi, Personal Finance Editor

Mistakes to avoid when using a 0% balance transfer and purchases card

Only making the minimum repayment

For any purchases you make on your credit, you are required to pay at least the minimum monthly repayment/ This is often a set amount like £5 or a percent of you balance. Often it depends on the size of your balance. However, if you only make the minimum amount each month, you won't be able to to repay your full balance before the 0% offer period ends. You’ll end up being charged the revert rate on the balance, which is much higher and thus make it hard for you to pay off your balance.

Not taking advantage of the entire offer period

The 0% offer is available as soon as your card is approved, not from when you make your first purchase. So if your card offers a 0% offer for 12 months but you don’t make a purchase or any repayments for the three months, you’ll only have nine months of your interest free period left to make use of. If you have to make a large purchase, make it as soon as you get your credit card, and start making repayments to make the most of the interest free period.

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Last updated: 23 March, 2022