Skip navigation

Interest Free 0% Transfer and Purchases Credit Cards

If you’re looking to save money on balance transfers and still spend interest free, then you may benefit from an interest free 0% transfer and purchases card, which offers the benefits of both, all in one card. With many cards offering over a year’s interest free on both transfers and purchases, now may be the best time to switch.

Provider Balance transfer intro period & rate
Purchases intro period & rate
Rewards
Representative APR
Likelihood of acceptance
Actions
Balance Transfer & Purchases

Virgin Money All Round Credit Card

Virgin Money Virgin Money All Round Credit Card Image

24 months of 0.0% interest on transfers

1.00% fee

24 months 0% interest on purchases

No rewards

18.9% APR

Can I get this card?

Check now
Apply More
Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
Market leading purchase period at 0% interest for 2 years, plus 0% interest for 2 years on balance and money transfers

Santander 123

Santander 123 Image

23 months of 0.0% interest on transfers

0.00% fee

23 months 0% interest on purchases

Up to 3% cashback dependent on spend

16.5% APR

Can I get this card?

Check now
Apply More
Representative Example: Representative 16.5% APR variable. Based on £24 annual fee assumed borrowing of £1,200. Rate of interest 12.7% (variable) annual.
The UK's longest purchase period, earn cashback at supermarkets, department stores, and travel. Plus transfer your balance without paying a handling fee

TSB Platinum Purchase Card

TSB TSB Platinum Purchase Card Image

20 months of 0.0% interest on transfers

2.95% fee

20 months 0% interest on purchases

No rewards

18.9% APR

Can I get this card?

Check now
Apply More
Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.94% PA (variable) annual.
Benefit from 0% interest for 20 months on purchases & balance transfers, 2.95% handling fee

Lloyds Bank Platinum 19 Month Purchase and Balance Transfer

Lloyds Bank Lloyds Bank Platinum 19 Month Purchase and Balance Transfer Image

19 months of 0.0% interest on transfers

1.00% fee

19 months 0% interest on purchases

No rewards

18.9% APR

Can I get this card?

Check now
Apply More
Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.94% (variable) annual.
Transfer your balance and pay no interest for 19 months plus your handling fee refunded from 3% to a low 1%

Bank of Scotland Platinum Balance Transfer 19m

Bank of Scotland Platinum Balance Transfer 19m Image

19 months of 0.0% interest on transfers

1.00% fee

19 months 0% interest on purchases

No rewards

18.9% APR

Can I get this card?

Check now
Apply More
Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.95% (variable) annual.
Transfer your balance and pay no interest for 19 months plus your fee refunded from 3% to 1%

Halifax All in One

Halifax Halifax All in One Image

19 months of 0.0% interest on transfers

1.00% fee

19 months 0% interest on purchases

No rewards

18.9% APR

Can I get this card?

Check now
Apply More
Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.95% (variable) annual.
Transfer your balance in the first 90 days and benefit from a low transfer fee of 1%, plus 0% on purchases for 19 months

Sainsbury's Nectar Purchase Credit Card

Sainsbury's Bank Sainsbury's Nectar Purchase Credit Card Image

19 months of 0.0% interest on transfers

3.00% fee

19 months 0% interest on purchases

Nectar points

18.9% APR

Can I get this card?

Check now
Apply More
Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.95% (variable) annual.
One rate for purchases & transfers at 0% for 19 months, plus collect Nectar points each time you spend on your card

Nationwide Select Low Fee

  Nationwide Select Low Fee Image

15 months of 0.0% interest on transfers

0.55% fee

15 months 0% interest on purchases

0.5% unlimited cashback

15.9% APR

Card Matcher is not available for this card Apply More
Representative Example: Representative 15.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 15.9% (variable) annual.
Available to new & existing Flex account holders, transfer your balance with a low transfer fee, plus 0.5% unlimited cashback on purchases

Tesco Bank Clubcard Credit Card with a 0.85% Balance Transfer Fee

placeholder card image

15 months of 0.0% interest on transfers

0.85% fee

15 months 0% interest on purchases

Tesco Clubcard points

18.9% APR

Card Matcher is not available for this card Sorry, this card is not available through Confused.com. Why?
Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
Earn 1 point for every £4 spend in each purchase transaction (£4 min)

Santander Credit Card

Santander Santander Credit Card Image

15 months of 0.0% interest on transfers

0.00% fee

15 months 0% interest on purchases

No rewards

18.9% APR

Can I get this card?

Check now
Apply More
Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
Benefit from one rate for both transfers and purchases at 0% for up to 15 months, no transfer fee and no annual card fee

Platinum Card - Branch

placeholder card image

14 months of 0.0% interest on transfers

2.49% fee

14 months 0% interest on purchases

No rewards

18.9% APR

Card Matcher is not available for this card Sorry, this card is not available through Confused.com. Why?
Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual. Postal address: Dept. BCR, Freepost MID 22910, Northampton, NN4 1JP

Saga Platinum

Saga Saga Platinum Image

9 months of 0.0% interest on transfers

3.00% fee

9 months 0% interest on purchases

No rewards

11.9% APR

Can I get this card?

Check now
Apply More
Representative Example: Representative 11.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 11.3% (variable) annual.
Available to customers over 50. No fee when spending abroad, plus a low APR of 11.9%

Inspop.com Limited, trading as Confused.com, is a credit broker for the consumer credit products listed on our credit card pages. Confused.com provides an independent comparison service free of charge; however, we may receive a commission from some of the companies we refer you to.

 

Your guide to credit cards

  • Can anyone get a transfers and purchases card?
  • Are there any drawbacks to a transfers and purchases card?
  • What is a transfers & purchases credit card?

Credit cards terms

  • Balance transfer
  • Balance transfer fee
  • Purchases