0% balance transfer & purchases

If you're looking for a 0% balance transfer or a 0% purchase credit card, you don't always have to choose between the two. Some credit cards offer both benefits, meaning they could save you even more money in the long run.

Advantages

A combined 0% balance transfer and 0% purchases deal means that for a limited period you won't pay interest on debts transferred from other cards, or on purchases you make using your new card.

This means you can use your card to pay back debt and for day-to-day spending without worrying about interest building up.

Disadvantages

The 0% period will only last for a limited time. The interest-free balance transfer and purchase periods also tend to vary - so for example, you could start paying interest on purchases after only 3 months, even though your 0% balance transfer period lasts 15 months.

Also remember that even though balance transfers are interest-free, most card providers will still charge a one-off balance transfer fee - usually around 3% of the total balance.

You may only have access to these deals if you have a strong credit rating.

Find the best credit card deals for balance transfer or new purchases using our comparison table.

Calls may be recorded for training and quality purposes. Calls from UK landlines are usually free, but you should check with your network provider for full details of your service. Credit card deals are based on our external partners available deals. Cards are provided by third parties and are subject to eligibility, status and terms and conditions. Applicants must be UK residents aged 18 or over