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Interest Free 0% Transfer and Purchases Credit Cards

Looking for a card that helps you switch your existing debt and let you spend interest free? We compare lots of different cards that offer 0% periods on both transfers and purchases, and with many cards now offering over a year interest free on both, now may be ideal to switch.

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

M&S Credit Card

M&S Bank M&S Credit Card Image

15 months of 0.0% interest on transfers

2.90% fee

19 months 0% interest on purchases

M&S 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.
Earn M&S points every time you shop with your card, plus no interest to pay on purchases for the first 19 months

Sainsbury's Purchase Credit Card

Sainsbury's Bank Sainsbury's 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

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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.
One rate for purchases & transfers at 0% for 19 months, plus collect Nectar points each time you spend on your card

MBNA Everyday Credit Card

MB' Ltd  MBNA Everyday Credit Card Image

22 months of 0.0% interest on transfers

1.75% fee

16 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.
Benefit from 22 months at 0% interest on money & balance transfers, plus check you're eligible before you apply

Lloyds Bank Platinum Balance Transfer 18m

Lloyds Bank Lloyds Bank Platinum Balance Transfer 18m Image

18 months of 0.0% interest on transfers

1.00% fee

16 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 18 months plus your handling fee refunded from 3% to a low 1%

Bank of Scotland Platinum Balance Transfer 18m

Bank of Scotland Platinum Balance Transfer 18m Image

18 months of 0.0% interest on transfers

1.00% fee

16 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 18 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

16 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 1%, plus 0% on purchases for 16 months

Nationwide Select

Nationwide Select Image

26 months of 0.0% interest on transfers

2.40% fee

15 months 0% interest on purchases

0.5% unlimited cashback

15.9% APR

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Representative Example: Representative 15.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 15.9% (variable) annual.
Benefit from 0.5% unlimited cashback, plus pay no interest on purchases for 15 months - available to new & existing Flex account holders

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

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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

Barclaycard Platinum Purchase

Barclaycard Platinum Purchase Image

23 months of 0.0% interest on transfers

2.49% fee

14 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% on new purchases for 14 months and balance transfers for 23 months, plus a transfer fee of 3.5% will be applied then reduced to 2.49% by a refund

Bank of Scotland Low Fee

Bank of Scotland Low Fee Image

13 months of 0.0% interest on transfers

0.00% fee

13 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.
0% fee on balance transfers within the first 90 days

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

  • Which providers offer this type of card?
  • What is a transfers & purchases credit card?
  • Are there any drawbacks to a transfers and purchases card?
  • Can anyone get a transfers and purchases card?

Credit cards terms

  • Balance transfer
  • Balance transfer fee
  • Balance transfer introductory period
  • Purchase introductory rate
  • Purchases