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Balance Transfer and Purchase Credit Cards
If you are looking for some time and space to pay off your existing credit card balance you could well benefit and save money with a balance transfer credit card. Alternatively, if you are planning to buy a big ticket item on credit but don’t want to pay high rates of interest it would be worth considering a 0% purchases credit card. Read more...>
| Product Name | Balance Transfer Intro |
Purchases Intro |
Representative APR (variable) |
Rewards |
|---|---|---|---|---|
-
Halifax All In One
-
0%
15 mths
3.00% fee
-
0%
15 mths
-
17.9%
APR
-
No Rewards
- The APR and length of the promotional offer are dependent on your personal circumstances
- Instant decision on online applications (in most circumstances)
- Good credit rating required
Representative Example: 17.90% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)
-
Barclaycard Platinum with Purchase
-
0%
14 mths
2.90% fee
-
0%
14 mths
-
18.9%
APR
-
Rewards
- The UK's longest balance transfer & purchase card
- Identity Protection Service and safer shopping with Fraud Monitoring
- Good credit rating required
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
-
NatWest Platinum
-
0%
20 mths
2.90% fee
-
0%
6 mths
-
17.9%
APR
-
Wine Travel Shopping
- Discounts from Thomas Cook and Mastercard offers
- Apply today and get an instant decision
- Good credit rating required
Representative Example: 17.9% APR (variable) based on assumed Credit Limit of £1,200*. Standard interest rate for purchases: 17.95% p.a. (variable).
*Your credit limit may vary depending upon your circumstances
-
Virgin 13/13
-
0%
13 mths
2.89% fee
-
0%
13 mths
-
18.9%
APR
-
Virgin discounts
- Instant decision on most applications
- Pay less interest - highest rate of interest is paid off first
- Good credit rating required
Representative Example: 18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR representative (variable) based on a credit limit of £1,200.
-
NatWest World
-
0%
13 mths
2.90% fee
-
0%
13 mths
-
17.9%
APR
-
Reward Points
- Earn 1 point for every £1 you spend on your NatWest YourPoints World MasterCard
- Receive 2,500 bonus points when you apply, and every year thereafter
- Very good credit rating required
Representative Example: 17.9% APR (variable) based on assumed Credit Limit of £1,200*. Standard interest rate for purchases: 17.95% p.a. (variable).
*Your credit limit may vary depending upon your circumstances
-
Nationwide Select
-
0%
17 mths
2.95% fee
-
0%
18 mths
-
12.9%
APR
-
Cashback
- Must hold a Nationwide FlexAccount - this can be applied for at the same time as the Nationwide Select credit card
- Commission-free purchases abroad and 0.5% cashback on all sterling purchases
- Excellent credit rating required
-
RBS World
-
0%
13 mths
2.90% fee
-
0%
13 mths
-
17.9%
APR
-
Reward Points
- Earn MasterCard rewards points
- Receive 2,500 bonus points when you apply, and every year thereafter
- Very good credit rating required
Representative Example: 17.9% APR (variable) based on assumed Credit Limit of £1,200*. Standard interest rate for purchases: 17.95% p.a. (variable).
*Your credit limit may vary depending upon your circumstances
-
Tesco Clubcard
-
0%
9 mths
2.90% fee
-
0%
15 mths
-
16.9%
APR
-
Clubcard Shopping
- 1 Clubcard point per £4 spent (£4 min) on your Tesco credit card
- Spend Clubcard rewards on Tesco shopping, holidays and days out
- Good credit rating required
Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 16.9% p.a. (variable). *Your credit limit may vary depending upon your circumstances.
-
Bank of Scotland Existing Customer Offer
-
0%
13 mths
3.00% fee
-
0%
13 mths
-
17.9%
APR
-
No Rewards
- Manage your account online
- Instant decision on online applications (in most circumstances)
- Good credit rating required
Representative Example: 17.90% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)
-
Bank of Scotland All In One
-
0%
12 mths
3.00% fee
-
0%
12 mths
-
17.9%
APR
-
No Rewards
- MasterCard deals and discounts on travel, entertainment and shopping
- Instant decision on online applications (in most circumstances)
- Good credit rating required
Representative Example: 17.90% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable).
-
Sainsburys Shopper
-
0%
12 mths
3.00% fee
-
0%
12 mths
-
16.9%
APR
-
No Rewards
- For Sainsburys shoppers who use a Nectar Card
- Online account management
- Good credit rating required
Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 16.94% p.a. (variable)
-
AA
-
0%
12 mths
3.00% fee
-
0%
10 mths
-
16.9%
APR
-
AA Rewards
- Earn AA Reward points on all purchases Double points on fuel and motoring
- AA Members earn more
- Good credit rating required
Representative Example: 16.9% p.a. (variable) on card purchases. This is equivalent to 16.9% APR representative (variable) based on a credit limit of £1200.
0% Transfer and Purchase Cards
Alternatively, you may want to do both at the same time and this is where a balance transfer and purchases card can really help you.
Balance transfer and purchase cards often come with 0% periods of similar lengths giving you the chance to make the most of an interest free transfer offer while also retaining the ability to use your card for purchases.
The advantage of this type of card is that you don’t need to worry about your purchase offer ending before your balance transfer offer, or vice versa, whereas you would with either a standalone balance transfer card or a purchases card.
Let’s say you transfer a balance and then make purchases using a standalone balance transfer card. This would normally result (under current legislation) in your repayments going towards your transfer balance, which is accumulating interest at 0% for longer, rather than your purchase balance, which will accumulate interest at your typical APR once the shorter purchase 0% period has ended, costing you more in the long run.
However, with a balance transfer and purchases card, both offers are around the same length therefore meaning that you save money on interest.
Product Offers
Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.
Please note that the product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.
Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.
Please note that the product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.