Transfer & Purchase Credit Cards

Balance Transfer & Purchase cards offer an introductory period where both balance transfers and purchases can be made without incurring any interest. So if you have a balance to pay off but want the option of being able to spend on your card without incurring interest, choose from the list below.

 APPLY ONLINE

Credit Needed
Good
  • 3% balance transfer fee (min £3 at all times)
  • 5,000 bonus Nectar points for new customers using the card to spend £250 on Sainsbury's shopping or fuel in the first month. Apply by 26/03/2017
  • Must be a UK resident and aged 18 years or over
  • Balance Transfer
    Rate & Duration
    0%
    28 Months
    Balance Transfer
    Fee
    3%
    Purchases
    Intro
    0%
    28 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% on balance transfers for 27 months (2.75% fee applies)
  • 0% on purchases for 27 months from account opening
  • Manage your account anywhere with online and mobile banking
  • No monthly or annual fees
  • Apple Pay enabled contactless payments
  • You will receive the exact rate and offer advertised if your application is accepted (Subject to status)
  • You must be a UK resident, aged 18 years or over, have a good credit history, have no CCJ or bankruptcy history, and must have an income of at least £7,500
  • Balance Transfer
    Rate & Duration
    0%
    27 Months
    Balance Transfer
    Fee
    2.75%
    Purchases
    Intro
    0%
    27 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: 18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR representative (variable) based on an assumed credit limit of £1,200.

 APPLY ONLINE

Credit Needed
Excellent
  • 0% for 27 months on balance transfers (2.79% fee), 0% for 27 months on purchases & 0% for 27 months on money transfers (2.79% fee)
  • Choose your card design - including Quest and iconic Sex Pistols designs
  • Enjoy a fantastic range of offers with your Virgin card including 5% off Virgin holidays, 5% off Virgin holiday cruises, and 10% off Virgin trains
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Balance Transfer
    Rate & Duration
    0%
    27 Months
    Balance Transfer
    Fee
    2.79%
    Purchases
    Intro
    0%
    27 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: 18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR representative (variable) based on a credit limit of £1,200.

 APPLY ONLINE

Credit Needed
Good
  • 0% on purchases for the first 26 months
  • 0% on balance transfers for 26 months. 2.75% fee applies
  • Balance transfers must be made within 3 months of account opening
  • No cash fee to buy travel money at the Post Office
  • You must be a UK resident, aged 18 years or over, have an income of at least £8,000, have no outstanding CCJs, have a current bank or building society account and not already hold a Post Office Money Credit Card
  • Post Office Credit Cards are provided by bank of Ireland UK. Post Office Limited is a credit broker and not a lender
  • Balance Transfer
    Rate & Duration
    0%
    26 Months
    Balance Transfer
    Fee
    2.75%
    Purchases
    Intro
    0%
    26 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% interest for the first 26 months on balance transfers (2.95% fee applies for the first 90 days, then 3% applies thereafter)
  • An initial balance transfer fee of 3% applies, then 0.05 is refunded within 90 days
  • 0% interest on purchases for the first 26 months
  • Cover against online fraud with Halifax Secure
  • Easy to manage your card online
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income, not be subject to an IVA, not be currently bankrupt, or have any outstanding CCJs
  • Balance Transfer
    Rate & Duration
    0%
    26 Months
    Balance Transfer
    Fee
    2.95%
    Purchases
    Intro
    0%
    26 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% for 25 months on balance transfers (1.5% fee), 0% for 25 months on purchases & 0% for 25 months on money transfers (2% fee)
  • Choose your card design - including Quest and iconic Sex Pistols designs
  • Enjoy a fantastic range of offers with your Virgin card including 5% off Virgin holidays, 5% off Virgin holiday cruises, and 10% off Virgin trains
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Balance Transfer
    Rate & Duration
    0%
    25 Months
    Balance Transfer
    Fee
    1.5%
    Purchases
    Intro
    0%
    25 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: 18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR representative (variable) based on a credit limit of £1,200.

 APPLY ONLINE

Credit Needed
Good
  • 0% interest on purchases and balance transfers for 25 months
  • Transfer your balance as you apply online (1.49% fee)
  • Pay for items up to £30 with payWave™ Contactless
  • Apple Pay enabled
  • Must be a UK resident, aged 18 years or over, with a regular income and a good credit rating
  • Balance Transfer
    Rate & Duration
    0%
    25 Months
    Balance Transfer
    Fee
    1.49%
    Purchases
    Intro
    0%
    25 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • A bonus points voucher for 500 M&S points worth £5 when you spend in food, clothing or home at M&S
  • 0% on balance transfers and purchases for 25 months
  • Use your credit card when you buy your travel money and you will not have to pay the standard 2% fee
  • M&S rewards - earn M&S points every time you shop with your card
  • To apply for an M&S Credit Card you have to be a UK resident aged 18 or over
  • A new M&S Credit Card account cannot be opened if you have held a credit card with us within the previous 12 months
  • Balance Transfer
    Rate & Duration
    0%
    25 Months
    Balance Transfer
    Fee
    2.9%
    Purchases
    Intro
    0%
    25 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: 18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR representative (variable) based on a credit limit of £1200.

 APPLY ONLINE

Credit Needed
Good
  • 0% interest for the first 24 months on balance transfers (2.5% fee applies in the first 90 days - 3% fee thereafter)
  • 0% interest on purchases for the first 24 months
  • Free access to Money Manager the easy way to keep track of your spending
  • Quicker payments with contactless technology
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income, and not have any CCJs, not be currently bankrupt, and not be subject to an IVA
  • Balance Transfer
    Rate & Duration
    0%
    24 Months
    Balance Transfer
    Fee
    2.5%
    Purchases
    Intro
    0%
    24 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.94% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% interest for the first 24 months on balance transfers (2.5% fee applies in the first 90 days, 3% thereafter)
  • 0% interest for the first 24 months on purchases
  • Manage your card online using Internet Banking and Mobile Banking
  • Accepted wherever you see the MasterCard sign at over 33 million locations worldwide
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income, not be currently declared bankrupt, not have any CCJs and not be subject to an IVA
  • Balance Transfer
    Rate & Duration
    0%
    24 Months
    Balance Transfer
    Fee
    2.5%
    Purchases
    Intro
    0%
    24 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% on balance transfers for 20 months (minimum £100 balance transfer)
  • 0% on purchases for 20 months
  • A balance transfer fee of 2.95% for balances made in the first 90 days
  • Apple Pay enabled payments
  • Subject to status & lending criteria
  • Must be a UK resident, aged 18 or over, and be free of any CCJs
  • Balance Transfer
    Rate & Duration
    0%
    20 Months
    Balance Transfer
    Fee
    2.95%
    Purchases
    Intro
    0%
    20 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.94% p.a. (variable)

 APPLY ONLINE

Credit Needed
Excellent
  • 0% on purchases for 28 months
  • 0% on balance transfers for 18 months (1.99% fee)
  • 0% on money transfers for 18 months (2.99% fee)
  • Enjoy a fantastic range of offers with your Virgin card including 5% off Virgin holidays, 5% off Virgin holiday cruises, and 10% off Virgin trains
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Balance Transfer
    Rate & Duration
    0%
    18 Months
    Balance Transfer
    Fee
    1.99%
    Purchases
    Intro
    0%
    28 Months
    Annual Fee
    £0
    Representative APR (variable)
    19.9%
    APR

Representative Example: 19.90% p.a. (variable) on card purchases. This is equivalent to 19.90% APR representative (variable) based on a credit limit of £1,200.

 APPLY ONLINE

Credit Needed
Good
  • £35 cashback when you spend £500 or more within 60 days of account opening
  • 0% on all purchases for 28 months from the date your account is opened. To qualify, a transaction must be made within the first 3 months, otherwise the promotional period will be reduced to 14 months
  • 0% on balance transfers for 18 months made in the first 3 months. A 2.89% balance transfer fee applies which will increase the total amount that you owe
  • Mobile servicing app to keep track of your balance and available credit
  • Additional security shopping online with MasterCard® SecureCode™
  • Contactless payments
  • APR dependent on your personal circumstances
  • Must be a UK resident with annual income of at least £8,000, and no CCJs
  • AA Credit Cards are provided by the Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender
  • Balance Transfer
    Rate & Duration
    0%
    18 Months
    Balance Transfer
    Fee
    2.89%
    Purchases
    Intro
    0%
    28 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: 18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR representative (variable) based on a credit limit of £1200.

 APPLY ONLINE

Credit Needed
Good
  • 0% interest on all purchases for 26 months from the date your account is opened
  • 0% on balance transfers for 12 months from account opening (3% fee, min £3)
  • Use worldwide at outlets or ATMs which display the Mastercard symbol
  • Contactless card for payments under £30)
  • Must be 18 years old and a UK resident
  • Balance Transfer
    Rate & Duration
    0%
    12 Months
    Balance Transfer
    Fee
    3%
    Purchases
    Intro
    0%
    26 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: 18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR representative (variable) based on a credit limit of £1200.

 APPLY ONLINE

Credit Needed
Good
  • 0% interest on all purchases for 26 months from the date your account is opened
  • 0% on balance transfers for 12 months from account opening (3% fee, min £3)
  • Contactless card for payments under £30)
  • Use worldwide at outlets or ATMs which display the Mastercard symbol
  • MasterCard SecureCode protection
  • Must be a UK resident, aged 18 years or over
  • Balance Transfer
    Rate & Duration
    0%
    12 Months
    Balance Transfer
    Fee
    3%
    Purchases
    Intro
    0%
    26 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: 18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR representative (variable) based on a credit limit of £1200.

 APPLY ONLINE

Credit Needed
Fair
  • 0% for 18 months from account opening on balance transfers made within the first 90 days (3% balance transfer fee)
  • 0% for 9 months from account opening on purchases
  • Accepted wherever you see the MasterCard sign at over 33 million locations worldwide
  • Apple Pay enabled payments
  • APR dependent on circumstances
  • Must be a UK resident, aged 18 years or over, have a regular income, not be declared bankrupt, have any CCJs, and not be subject to an IVA
  • Minimum £100 balance transfer
  • Balance Transfer
    Rate & Duration
    0%
    18 Months
    Balance Transfer
    Fee
    3%
    Purchases
    Intro
    0%
    9 Months
    Annual Fee
    £0
    Representative APR (variable)
    27.9%
    APR

Representative Example: 27.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 27.95% p.a. (variable).

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What are balance transfer & purchase credit cards?

As the introductory offer duration periods for traditional 0% balance transfer cards have increased over time, so their utility to certain customers has reduced. Many people understand that they do not need, or even want, 3 years in which to clear their debts. They are in a position to, and would be far happier, to pay off their credit card balance sooner. This has meant that whilst a reasonable period in which to pay of the balance is still high on their agenda when researching new cards, they are also in a position to explore and benefit from other features available to new applicants.

The most popular of these additional features is, unsurprisingly, the main feature of another of the UK's most popular credit card categories - 0% on credit card purchases. Creating the 'Balance Transfer & Purchase' credit card.

These "Balance Transfer & Purchase" cards (sometimes also described as 'combined cards' or 'dual-hook cards') have become ever more popular over the past 5 years, as issuers have competed to offer the 'best' product.

Starting with low 0% transfer & purchase rates of less than a year, the introductory periods available on these cards have steadily increased, broadly in line with the increased 0% periods offered on standard 0% balance transfer credit cards, so that the products which now top the credit card comparison tables are offering around 2 years at 0% for transfers and purchases.

Who are balance transfer & purchase cards available from?

Originally something of a niche product, balance transfer and purchase credit cards are now available from most of the UK's traditional prime credit card issuers, as well as a few new smaller credit card brands. Some cards also combine features of other card types (like supermarket reward points), so there is a great deal of choice available to applicants.

Don't most 0% transfer cards offer 0% purchases?

Although most standard 0% balance transfer cards offer their customers some level of introductory purchases, the periods available tend to be derisory (3 to 6 months) to the point that they offer the customer little real utility. If anything it could be argued that the 0% purchases available on transfer cards reduce the value of the main product feature, by offering a route whereby customers can accrue balances which would quickly be subject to the standard rate of interest.

Transfer & purchase card considerations

In the vast majority of cases 0% transfer and purchase cards offer customers one of the most straightforward ways of managing their credit card, as they enjoy 0% on transfers and purchases for an equal amount of time and don’t have to worry about one or other element incurring a higher interest rate over the lifetime of the full introductory period.

However, in some instances, this is no longer the case. Transfer and purchase durations are not always equally matched, despite the fact that they are both relatively generous. In these instances the balance transfer period tends to be longer than the purchase period, but recently some issuers have confused matters further by offering different 0% introductory periods depending on when given purchases were made. (eg. 0% for 18 months on purchases made within 3 months of account opening, then 0% for 14 months on purchases made after 3 months - which is in effect 0% for 11 months, given that 3 months will have elapsed at the point the secondary offer becomes applicable).

In instances where introductory periods are not matched, it is advisable for customers to pay special care to ensure that they switch to another deal in good time, especially if they pay their minimum balance by direct debit - as it can quickly increase before they have noticed they are paying more. Setting a series of alerts on a smart phone can help with this.

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