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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

Halifax All in One

Halifax Halifax All in One Image

24 months of 0.0% interest on transfers

0.80% fee

24 months 0% interest on purchases

No rewards

18.9% APR

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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 0.8%, plus 0% on purchases for 2 years

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

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
0% interest for 2 years on purchases, plus 0% for 2 years on balance & money transfers, handling fees apply

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

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Representative Example: Representative 16.5% APR variable. Based on £24 annual fee assumed borrowing of £1,200. Rate of interest 12.7% (variable) annual.
Earn cashback at supermarkets, department stores, and travel. Plus transfer your balance without paying a handling fee

Barclaycard Platinum Purchase

Barclaycard Platinum Purchase Image

20 months of 0.0% interest on transfers

1.49% fee

20 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
0% interest on purchases & balance transfers for 20 months, plus special offer for Confused.com customers, handling fee reduced from 3% to 1.49% by refund

Barclaycard Platinum Purchase

placeholder card image

20 months of 0.0% interest on transfers

1.49% fee

20 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.

Lloyds Bank Platinum 20 Month Purchase and Balance Transfer

Lloyds Bank Lloyds Bank Platinum 20 Month Purchase and Balance Transfer Image

20 months of 0.0% interest on transfers

1.50% fee

20 months 0% interest on purchases

No rewards

18.9% APR

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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 20 months plus your handling fee refunded from 3% to a low 1.5%

Bank of Scotland Platinum Balance Transfer 20m

Bank of Scotland Platinum Balance Transfer 20m Image

20 months of 0.0% interest on transfers

1.50% fee

20 months 0% interest on purchases

No rewards

18.9% APR

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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 20 months plus your fee refunded from 3% to 1.5%

MBNA Everyday Credit Card

MB' Ltd  MBNA Everyday Credit Card Image

20 months of 0.0% interest on transfers

1.50% fee

20 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
0% interest for 20 months on purchases, balance & money transfers, handling fees apply

Fluid Everyday Card

fluid Fluid Everyday Card Image

20 months of 0.0% interest on transfers

1.55% fee

20 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
0% interest for 20 months on purchases, balance & money transfers, handling fees apply

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

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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

The AA Dual Credit Card

AA The AA Dual Credit Card Image

20 months of 0.0% interest on transfers

2.98% fee

20 months 0% interest on purchases

No rewards

19.9% APR

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Representative Example: Representative 19.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 19.9% (variable) annual
40% discount on AA European Breakdown Cover when you book a minimum of 3 days (terms & conditions apply)

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