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  1. Improve your chances of being accepted
  2. It won't affect your credit score
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Santander Everyday Credit Card

Santander Everyday Credit Card

Santander Everyday Credit Card

  • 30 months 0% on purchases
  • 30 months 0% on balance transfers with 2.75% transfer fee
  • Manage your account online or with Santander app
18.9% APR
Representative (variable)
30
 months
0% interest on transfers
2.75%
Transfer fee
30
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • minimum income of £7,500
  • must not be an existing Santander balance transfer credit card customer
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
 Post Office Money Platinum Credit Card

Post Office Money Platinum Credit Card

Post Office Money Platinum Credit Card

  • No foreign transaction fees
  • No cash advance fee when you purchase Post Office Travel Money
18.9% APR
Representative (variable)
18
 months
0% interest on transfers
2.89%
Transfer fee
28
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • No balance transfers from Post Office or Bank of Ireland (UK) plc credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

2016 award winner

Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

  • Use your card to pay for rides with Uber and every 11th ride is free. Terms apply, offer only available until Dec 2017
  • Free access to your Experian credit report
18.9% APR
Representative (variable)
25
 months
0% interest on transfers
1.49%
Transfer fee
25
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • best suited to customers with an income of £20,000
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Lloyds Bank 29 Month Purchase and Balance Transfer Platinum Card

Lloyds Bank 29 Month Purchase and Balance Transfer Platinum Card

Lloyds Bank 29 Month Purchase and Balance Transfer Platinum Card

  • 2.5% transfer fee in first 90 days from account opening, 3% thereafter
  • You may be eligible to apply for this as a second credit card. Terms apply
  • 29 months 0% on purchases
18.9% APR
Representative (variable)
29
 months
0% interest on transfers
2.5%
Transfer fee
29
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • have no Country Court Judgements (past 5 years)
  • aged 18 or older
  • be a resident of the UK
  • have regular income
  • no balance transfers from Lloyds Bank plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable)
Virgin All Round Credit Card

Virgin All Round Credit Card

2016 award winner

Virgin All Round Credit Card

  • 25 months 0% for balance transfers, money transfers and purchases
  • 1.5% balance transfer fee in first 60 days, 5% thereafter
  • 2% money transfer fee in the first 60 days, 5% thereafter
20.9% APR
Representative (variable)
25
 months
0% interest on transfers
1.5%
Transfer fee
25
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 20.9% (variable) per annum, your representative APR is 20.9% APR (variable)
nuba all round credit card

nuba all round credit card

£20 Amazon voucher

nuba all round credit card

  • Up to 28 months 0% on balance transfers (2.95% fee) in first 60 days, 20.9% p.a. with 5 % fee thereafter
  • Up to 28 months 0% on money transfers (4% fee) in first 60 days. 22.9% p.a. with a 5% fee thereafter
  • £20 Amazon voucher with your balance or money transfer over £1000. Terms apply
18.9% APR
Representative (variable)
28
 months
0% interest on transfers
2.95%
Transfer fee
28
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be a UK resident for at least 3 years
  • be 18 or older
  • have a good credit history
  • hold a UK bank or building society account
  • cannot transfer from MBNA accounts
  • eligibility check - see if you qualify without affecting your credit rating. Depending on results product details may vary

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Sainsbury’s Bank Dual Credit Card

Sainsbury’s Bank Dual Credit Card

Sainsbury’s Bank Dual Credit Card

  • Offer only available until 28 August 2017
  • 5,000 bonus Nectar points. Spend £250 in Sainsbury's in the first month. T&Cs apply
  • Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £5 spent elsewhere
18.9% APR
Representative (variable)
29
 months
0% interest on transfers
3.0%
Transfer fee
29
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)
The AA Dual Credit Card

The AA Dual Credit Card

The AA Dual Credit Card

  • 30 months 0% on purchases
  • Up to 16 months 0% on balance transfers with 2.89% transfer fee
18.9% APR
Representative (variable)
16
 months
0% interest on transfers
2.89%
Transfer fee
30
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • must have a 'Excellent' credit rating
  • be aged 18 years or over and UK resident
  • have a current bank or building society account
  • be employed, retired or a homemaker with an annual income of over £8,000 excluding unemployment benefits
  • not have any outstanding CCJs
  • no balance transfers from: Post Office or Bank of Ireland

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
MBNA All Round Credit Card

MBNA All Round Credit Card

MBNA All Round Credit Card

  • Up to 29 months 0% on balance transfers (2.95% fee) in first 60 days, 20.9% p.a. with 5% fee thereafter
  • Up to 29 months 0% on purchases made within the first 60 days
  • Up to 29 months 0% on money transfer (4% fee) in first 60 days, 22.9% p.a with 5% fee thereafter
18.9% APR
Representative (variable)
29
 months
0% interest on transfers
2.95%
Transfer fee
29
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be a UK resident for at least 3 years
  • be 18 or older
  • have a good credit history
  • hold a UK bank or building society account
  • eligibility check - see if you qualify without affecting your credit rating. Depending on results product details may vary
  • cannot transfer between MBNA accounts

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Lloyds Bank Choice Rewards Amex/MasterCard

Lloyds Bank Choice Rewards Amex/MasterCard

Lloyds Bank Choice Rewards Amex/MasterCard

  • Double rewards for the first six months on Amex cards
  • Turn points into cashback, vouchers or Avios
  • £24 annual fee
23.7% APR
Representative (variable)
29
 months
0% interest on transfers
3.0%
Transfer fee
29
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • have no Country Court Judgements (past 5 years)
  • aged 18 or older
  • be a resident of the UK
  • have regular income
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, with a £24 annual fee, your representative APR is 23.7% APR (variable)
HSBC Dual Credit Card

HSBC Dual Credit Card

HSBC Dual Credit Card

  • 26 months on balance transfers and purchases
  • £5 minimum balance transfer fee or 2.89%
22.9% APR
Representative (variable)
26
 months
0% interest on transfers
2.99%
Transfer fee
26
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • Have an annual income/pension before tax of £8,500 or more
  • Be a resident of the UK, Channel Islands or Isle of Man
  • Be over 18, and not hold an HSBC Basic Bank Account

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable)
Bank of Scotland 29 Month Purchase and Balance Transfer Credit Card

Bank of Scotland 29 Month Purchase and Balance Transfer Credit Card

Bank of Scotland 29 Month Purchase and Balance Transfer Credit Card

  • 2.5% fee applies on each balance transfer made in the first 90 days, 3% thereafter
  • You may be eligible to apply for this as a second credit card. Terms apply
  • Manage your card online using Internet Banking and Mobile Banking
18.9% APR
Representative (variable)
29
 months
0% interest on transfers
2.5%
Transfer fee
29
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)
Virgin 27 Month All Round Credit Card

Virgin 27 Month All Round Credit Card

2016 award winner

Virgin 27 Month All Round Credit Card

  • 27 months 0% for balance transfers, money transfers and purchases
  • 2.70% balance transfer fee
  • 2.70% money transfer fee
18.9% APR
Representative (variable)
27
 months
0% interest on transfers
2.7%
Transfer fee
27
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
TSB Platinum 20 month Purchase and BT MasterCard

TSB Platinum 20 month Purchase and BT MasterCard

TSB Platinum 20 month Purchase and BT MasterCard

  • ClickSafe internet fraud protection
  • Manage your credit card and current account together
18.9% APR
Representative (variable)
20
 months
0% interest on transfers
2.95%
Transfer fee
20
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable)
Post Office Matched Credit Card

Post Office Matched Credit Card

Post Office Matched Credit Card

  • Add up to three additional cardholders for free
  • No cash advance fee when you purchase Post Office Travel Money
18.9% APR
Representative (variable)
26
 months
0% interest on transfers
2.75%
Transfer fee
26
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have a current bank or building society account
  • not be an existing Post Office cardholder
  • have an annual income over £8,000 (excl. unemployment benefits)
  • have no outstanding County Court Judgements (CCJs)
  • No balance transfers from Post Office or Bank of Ireland (UK) plc credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Virgin 28 Month Purchase Credit Card

Virgin 28 Month Purchase Credit Card

2016 award winner

Virgin 28 Month Purchase Credit Card

  • 28 months 0% on purchases
  • 18 months 0% on balance transfers (2% fee)
  • 18 months 0% on money transfers (3% fee)
20.9% APR
Representative (variable)
18
 months
0% interest on transfers
2.0%
Transfer fee
28
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 20.9% APR (variable)
M&S Credit Card

M&S Credit Card

M&S Credit Card

  • 500 M&S points voucher worth £5 for select M&S spending
  • 1 M&S point per £1 spent instore, 1 point per £5 spent elsewhere
18.9% APR
Representative (variable)
25
 months
0% interest on transfers
2.9%
Transfer fee
25
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • have a good credit rating
  • be 18 or older
  • be a permanent UK resident

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Halifax 29 Month Balance Transfer Credit Card

Halifax 29 Month Balance Transfer Credit Card

2016 award winner

Halifax 29 Month Balance Transfer Credit Card

  • 2.5% effective balance transfer fee for first 90 days, 3% fee thereafter
  • You may be eligible to apply for this as a second credit card. Terms apply
  • Manage your card with online and mobile banking
18.9% APR
Representative (variable)
29
 months
0% interest on transfers
2.5%
Transfer fee
29
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Halifax Bank

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)

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.

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.