0% Balance Transfer & Purchase Credit Cards

0% balance transfer & purchase credit cards allow you to move a current credit card balance to a 0% introductory rate, whilst also being able to make new purchases at 0% too.

Unlike many credit cards that claim to offer 0% rates on both balance transfers and purchases, these credit cards are actually suitable for both because the 0% deals will last for the same length of time - so no worry of interest-trapped balances!

0% balance transfer credit cards

Balance Transfer Offer
Transfer Fee
Suitable for spending too
Annual Fee
Typical APR (variable)
Virgin
Virgin
0%
for 12 months
(Includes transfers to a current account (4% fee))
2.98%
£3 minimum
Yes
0%
for 12 months
£0
apply online
Sainsburys for Nectar Cardholders
Sainsburys for Nectar Cardholders
0%
for 12 months
3%
£3 minimum
Yes
0%
for 12 months
(You need to be an active Nectar loyalty cardholder to get this offer)
£0
apply online
The AA
The AA
0%
for 9 months
(Includes transfers to a current account (4% fee))
3%
£3 minimum
No
Why?
£0
apply online
Bank of Scotland All in One
Bank of Scotland All in One
0%
for 10 months
3%
£3 minimum
Yes
0%
for 10 months
£0
apply online
Halifax All in One
Halifax All in One
0%
for 10 months
3%
£3 minimum
Yes
0%
for 10 months
£0
apply online
Sainsburys
Sainsburys
0%
for 9 months
3%
£3 minimum
Yes
0%
for 9 months
(0% on Sainsburys purchases for 12 months)
£0
apply online
Play.com
Play.com
0%
for 6 months
(Includes transfers to a current account)
1.5%
£3 minimum
No
Why?
£0
apply online
BT Retail
BT Retail
0%
for 6 months
(Includes transfers to a current account (4% fee))
2%
£3 minimum
No
Why?
£0
apply online
Tesco Clubcard
Tesco Clubcard
0%
for 9 months
2.9% No
Why?
£0
apply online
Lloyds TSB Platinum
Lloyds TSB Platinum
0%
for 3 months
(Minimum spend of £100 in 3 months required to increase balance transfer period to 12 months.)
3% Yes
0%
for 3 months
£0
apply online

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