Skip to main content

Sign in

Enter your email and password below to access your account.

Not yet registered?

Patience, I'm meditating

Balance Transfer and Purchase Credit Cards

Balance Transfer Calculator

M&S Bank

Transfer Plus Offer Credit Card
M&S Bank logo

28 months

0% interest on transfers

6 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

TSB

Platinum 28 Month Balance Transfer Credit Card
TSB logo

28 months

0% interest on transfers

3 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year at a Purchase Rate of 19.95% (variable), representative 19.9% APR (variable). 2.95% fee on Balance Transfers for first 90 days of account opening; otherwise the rate will be 19.95% p.a. variable with 3% fee. Credit available subject to status.

Virgin Money

26 Month Balance Transfer Credit Card - Representative APR 21.9%
Virgin Money logo

26 months

0% interest on transfers

3 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status.

Virgin Money

26 Month Balance Transfer Credit Card - Representative APR 23.9%
Virgin Money logo

26 months

0% interest on transfers

3 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 23.9% (variable), representative 23.9% APR (variable). Credit available subject to status.

Virgin Money

26 Month Balance Transfer Credit Card - Representative APR 25.9%
Virgin Money logo

26 months

0% interest on transfers

3 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 25.9% (variable), representative 25.9% APR (variable). Credit available subject to status.

HSBC

Balance Transfer Credit Card
HSBC logo

25 months

0% interest on transfers

3 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status. 

Virgin Money

24 Month Balance Transfer Card - Representative APR 21.9%
Virgin Money logo

24 months

0% interest on transfers

3 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status.

Virgin Money

24 Month Balance Transfer Card - Representative APR 23.9%
Virgin Money logo

24 months

0% interest on transfers

3 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 23.9% (variable), representative 23.9% APR (variable). Credit available subject to status.

Virgin Money

24 Month Balance Transfer Card - Representative APR 25.9%
Virgin Money logo

24 months

0% interest on transfers

3 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 25.9% (variable), representative 25.9% APR (variable). Credit available subject to status.

TSB

Platinum 20 Month Purchase Credit Card
TSB logo

20 months

0% interest on transfers

20 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year at a Purchase Rate of 19.95% (variable), representative 19.9% APR (variable). 2.95% fee on Balance Transfers for first 90 days of account opening; otherwise the rate will be 19.95% p.a. variable with 3% fee. Credit available subject to status.

M&S Bank

Shopping Plus Offer Credit Card
M&S Bank logo

20 months

0% interest on transfers

20 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

Royal Bank of Scotland

Balance Transfer Credit Card
Royal Bank of Scotland logo

20 months

0% interest on transfers

3 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

NatWest

Balance Transfer Credit Card
NatWest logo

20 months

0% interest on transfers

3 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

Barclaycard

18 Month Platinum All Rounder Credit Card
Barclaycard logo

18 months

0% interest on transfers

18 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 20.9% (variable), representative 20.9% APR (variable). Credit available subject to status.

HSBC

Purchase Plus Credit Card
HSBC logo

18 months

0% interest on transfers

18 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 22.9% (variable), representative 22.9% APR (variable). Credit available subject to status. 

Virgin Money

18 Month All Round Credit Card - Representative APR 21.9%
Virgin Money logo

18 months

0% interest on transfers

15 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status.

Virgin Money

18 Month All Round Credit Card - Representative APR 23.9%
Virgin Money logo

18 months

0% interest on transfers

15 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 23.9% (variable), representative 23.9% APR (variable). Credit available subject to status.

Virgin Money

18 Month All Round Credit Card - Representative APR 25.9%
Virgin Money logo

18 months

0% interest on transfers

15 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 25.9% (variable), representative 25.9% APR (variable). Credit available subject to status.

Virgin Money

16 Month Balance Transfer Card - Representative APR 27.9%
Virgin Money logo

16 months

0% interest on transfers

3 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 27.9% (variable), representative 27.9% APR (variable). Credit available subject to status.

Virgin Money

15 Month All Round Credit Card - Representative APR 27.9%
Virgin Money logo

15 months

0% interest on transfers

12 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 27.9% (variable), representative 27.9% APR (variable). Credit available subject to status.

M&S Bank

Reward Credit Card
M&S Bank logo

6 months

0% interest on transfers

6 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

HSBC

Rewards Credit Card
HSBC logo

6 months

0% interest on transfers

6 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status. Existing HSBC Customers Only.

TSB

Advance MasterCard
TSB logo

3 months

0% interest on transfers

3 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year at a Purchase Rate of 7.95% (variable), representative 7.9%APR (variable). 0% fee on Balance Transfers for first 90 days of account opening; otherwise the rate will be 7.95% p.a. variable with 3% fee. Credit available subject to status.

Royal Bank of Scotland

The Royal Bank Credit Card
Royal Bank of Scotland logo

6.9%

p.a. variable on transfers

9.9%

p.a. variable on purchases

Representative Example:

Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 9.9% (variable), representative 9.9% APR (variable). Credit available subject to status.

Your actual credit limit and APR may vary depending on our credit assessment of you.

NatWest

The Natwest Credit Card
NatWest logo

6.9%

p.a. variable on transfers

9.9%

p.a. variable on purchases

Representative Example:

Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 9.9% (variable), representative 9.9% APR (variable). Credit available subject to status.

Your actual credit limit and APR may vary depending on our credit assessment of you.

Royal Bank of Scotland

Reward Credit Card
Royal Bank of Scotland logo

18.9%

p.a. variable on transfers

18.9%

p.a. variable on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), with a £24 annual fee, representative 23.7% APR (variable). Credit available subject to status.

NatWest

Reward Credit Card
NatWest logo

18.9%

p.a. variable on transfers

18.9%

p.a. variable on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), with a £24 annual fee, representative 23.7% APR (variable). Credit available subject to status.

Barclaycard

Rewards Credit Card
Barclaycard logo

22.9%

p.a. variable on transfers

22.9%

p.a. variable on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 22.9% (variable), representative 22.9% APR (variable). Credit available subject to status.

Barclaycard

Forward Credit Card
Barclaycard logo

33.9%

p.a. variable on transfers

3 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 33.9% (variable), representative 33.9% APR (variable). Credit available subject to status.

Vanquis Bank

Chrome 29.3% Credit Card
Vanquis Bank logo

N/A

0% interest on transfers

29.3%

p.a. variable on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.3% (variable), representative 29.3% APR (variable). Credit available subject to status.

Vanquis Bank

Aquis Visa Credit Card
Vanquis Bank logo

N/A

0% interest on transfers

29.84%

p.a. variable on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.84% (variable), representative 29.8% APR (variable). Credit available subject to status.

Capital on Tap

Self Employed Credit Card
Capital on Tap logo

N/A

0% interest on transfers

39.9%

p.a. variable on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 39.9% (variable), representative 39.9% APR (variable). Credit available subject to status.

Vanquis Bank

Visa Credit Card
Vanquis Bank logo

N/A

0% interest on transfers

39.94%

p.a. variable on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 39.94% (variable), representative 39.9% APR (variable). Credit available subject to status.

Capital on Tap

Capital On Tap Rewards Self Employed Credit Card
Capital on Tap logo

N/A

0% interest on transfers

39.9%

p.a. variable on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 39.9% (variable), representative 67.2% APR (variable). Credit available subject to status.

  • Credit Cards
  • FAQs
  • Guides
  • Who we work with
  • Compare Balance Transfer and Purchase Credit Cards

    Looking for the best credit card for you? We have an array of suitable options listed above, giving you the chance to discover the benefits of each one and compare credit cards at your leisure. For a truly balanced credit card comparison, you can use our filters to narrow down your search.

    What is the best credit card for me?

    Depending on what you would like to use it for, a credit card can be a handy way to spread the cost of larger purchases, organise your current debts and even improve your credit rating.

    The most important part of applying for a credit card is making sure it is the right one for you. Find out more about getting a credit card to give you a better idea of how it might assist with handling your personal finances.

    What types of credit cards are available?

    • 0% Balance Transfer Credit Cards - if you’re looking to move an existing debt or consolidate a few outstanding debts, have a look at our credit cards for 0% balance transfers
    • 0% Purchase Credit Cards - our credit cards for 0% purchases will ensure you are protected when making an expensive purchase such as a computer, holiday or moustache curling iron
    • Rewards Cards - perhaps you would like a credit card that gives you rewards while you use it? These can include Air Miles, Cashback or membership points such as Tesco Clubcard, M&S points or Sainsbury’s Nectar points
    • Credit Builder Cards - to help improve your overall credit rating, why not choose a credit builder card? Simply keep below your credit limit and make your monthly payments on time to build your rating back up again
    • Gold & Premium Credit Cards - for those looking at the most exclusive credit cards on offer, try sifting through our selection of Gold & Premium credit cards
    • Travel Cards - to avoid foreign transaction fees and get the best exchange rates, have a look at our travel credit cards and spend wisely on holiday
    • Air Miles Cards - accumulate air miles every time you spend on your credit card, meaning you can get money off next time you book a flight
    • Low Rate Cards - get a permanently low rate of interest on your credit card, meaning you can spend without having to pay back a large amount of interest on top
    • Cashback Cards - earn money back on each purchase you make with a cashback credit card, ideal for those who spend frequently every month

    For an even better look at our range of credit cards, check if you are eligible to apply with our moneymatcher comparison tool. Simply enter a few details and we can conjure up some credit cards to suit your needs, without affecting your credit score.

    Our credit card providers

    We work with a huge range of providers to give you a wide selection of financial products, ensuring you can find a credit card that is right for you.

    Each provider is screened to make sure they meet our high standards before we agree to work with them. This ensures that you can trust them as much as we do, allowing you to find the best product from a reputable source.

    Our range of credit card providers will allow you to choose between different card types including 0% balance transfer, 0% purchase, rewards, credit builder, gold & premium, travel, air miles, low rate and cashback. Our moneymatcher comparison tool will allow you to narrow down your search and pick out the right credit card for you.

    Have a look at our provider pages to see our full list of credit card providers.

Witness the wisdom

How to use Money Guru

Money Guru is an unbiased comparer of loans, credit cards, mortgages, current accounts, business accounts and credit reports. With our moneymatcher tool you can narrow down your search and find the best option for you.

  • Use moneymatcher to check your eligibility
  • Compare the latest products and find the best option for you
  • A huge panel of lenders and providers to choose from
  • Wisdom articles and insights to help you make an informed decision