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0% balance transfer and purchase cards

Some credit cards offer at least 12 months 0% interest period in more than one area - combining 0% offers for purchases, balance or money transfers. Compare cards with multiple 0% interest offers from four companies below.

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Santander All in One Credit Card
Santander All in One Credit Card
21.7% APR
Representative APR (variable)
30 months
0% interest on balance transfers
0%
Transfer fee
£3
Monthly fee
30 months
0% interest on purchases
More info
Sainsbury’s Bank Dual Credit Card
Sainsbury’s Bank Dual Credit Card
19.9% APR
Representative APR (variable)
29 months
0% interest on balance transfers
3%
Transfer fee
29 months
0% interest on purchases
More info
Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card
Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card
19.9% APR
Representative APR (variable)
27 months
0% interest on balance transfers
2.5%
Effective transfer fee
3.5%
Initial transfer fee
27 months
0% interest on purchases
More info
M&S Credit Card
M&S Credit Card
19.9% APR
Representative APR (variable)
20 months
0% interest on balance transfers
2.9%
Transfer fee
20 months
0% interest on purchases
More info

uSwitch Limited is a credit broker, not a lender, for consumer credit products.

uSwitch services are provided at no cost to you, but we may receive a commission from the companies we refer you to.

Frequently asked questions

What are matched, best of both world, or combo credit cards?

These credit cards are cards with 0% interest offers in more than one area, for either money transfers, balance transfers or purchases. Sometimes one card offers all three.

These cards may also be referred to as ‘best of both world’ or ‘combo’ cards, reflecting the fact that they combine multiple 0% interest offers into one card.

For example, a card may offer 12 months 0% on interest for both old balances transferred to the card and new purchases.

Though not all of these credit cards include a 0% interest periods, some simply offer one low interest rate for all functions, which can be handy if you’re after a hassle free card for the long term.

How does a 0% balance transfer period work?

A 0% interest period for balance transfers is a set amount of gives you a reprieve from paying interest on existing credit card debts.

You can transfer your balance from cards you already have to a credit card with a 0% balance transfer period, you may be charged a fee up to 3% to complete the transfer.

Once the balance is transferred to the 0% card, your old card will be clear of debts and you will need to meet the minimum repayments on the 0% balance transfer card. It’s wise to aim to repay the balance in full before the 0% offer expires to avoid being charged any interest.

How does a 0% money transfer period work?

A money transfer card enables you to transfer money from your credit card into bank account, effectively giving you a small cash loan. You will typically be charged a transfer fee of around 4% to do this.

You will be in debt on your credit card and should aim to pay off your card in full, or as much as possible, before the 0% period expires.

How does a 0% purchase period work?

0% interest period for purchases is a set period of time where you won’t be charged any interest on new purchases made with your credit card.

This effectively allows you to spend for free for a set period of time. But you will eventually be charged interest on any outstanding balances left on the card after the 0% interest period expires.

What are the advantages of matched, best of both world, or combo credit cards?

By picking a credit card that offers long 0% periods, or low rates, on multiple features you can enjoy flexibility and use one card for different types of borrowing.

They are also relatively easy to manage as you only need to meet one monthly repayment for all your borrowing needs.

But you do need to keep an eye if there are different 0% interest period lengths for different features (for example, 12 months for purchases and 24 months for balance transfers), so you don’t get caught out by interest charges.

The main disadvantage is these cards tend to suffer from something of a jack-of-all trades master-of-none effect, where they will rarely offer the longest 0% periods for any feature.

What does ‘popularity’ mean?

Cards are ranked by the number of clicks they get on the site in the past 48 hours.

The most clicked on cards are at the top, the least at the bottom. This reflects how popular they are with visitors to uSwitch.com.

Does uSwitch compare all the credit cards on the market?

We compare credit over 100 credit cards from all of the major banks and credit card providers.

However, we do not compare all the credit cards that are available in the UK.

This is because some credit card providers have offers that are only available exclusively through their own website or branch, or through other comparison websites - in the same way some credit cards are exclusively available through uSwitch.

There are also many credit cards that are only available to people in member organisations and clubs.

What does it mean if a card is listed as an “advertisement” or “promotion”?

We sometimes receive payment from card providers to display their cards in prominent locations.

These are adverts and are designed to be distinct and separate from the other cards on our comparison tables. We hope this makes it clear which cards are top-of-table deals and which cards are paid for promotions.