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Balance Transfer and Purchase Credit Cards

Balance Transfer Calculator

HSBC

Balance Transfer Credit Card
HSBC logo

29 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. 

M&S Bank

Transfer Plus Offer Credit Card
M&S Bank logo

29 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.

Santander

All in One Credit Card
Santander logo

26 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 17.9% (variable), representative 23.7% APR (variable). Credit available subject to status. Monthly fee: £3.

Barclaycard

24 Month Platinum Balance Transfer Credit Card
Barclaycard logo

24 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. Earn up to 15% cashback automatically when you spend at a range of participating retailers with Barclaycard Cashback Rewards. This is a new benefit, available to all Barclaycard Visa credit card customers. T&Cs apply.

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 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status.

Barclaycard

18/20 Month Platinum All Rounder Credit Card
Barclaycard logo

18 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 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status. Earn up to 15% cashback automatically when you spend at a range of participating retailers with Barclaycard Cashback Rewards. This is a new benefit, available to all Barclaycard Visa credit card customers. T&Cs apply.

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. 

Santander

Everyday Credit Card
Santander logo

18 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 20.9% (variable), representative 20.9% APR (variable). Credit available subject to status.

Royal Bank of Scotland

Balance Transfer Credit Card
Royal Bank of Scotland logo

18 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. Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions. Existing Customers Only. 

NatWest

Balance Transfer Credit Card
NatWest logo

18 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. Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions. Existing Customers Only.

Barclaycard

15 Month Platinum 0% Balance Transfer Credit Card with No Transfer Fee
Barclaycard logo

15 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 (Terms and conditions apply). Earn up to 15% cashback automatically when you spend at a range of participating retailers with Barclaycard Cashback Rewards. This is a new benefit, available to all Barclaycard Visa credit card customers. T&Cs apply.

M&S Bank

Reward Credit Card
M&S Bank logo

12 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 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.

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

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

Reward Credit Card
NatWest logo

21.9%

p.a. variable on transfers

21.9%

p.a. variable on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), with a £24 annual fee, representative 26.8% APR (variable). Credit available subject to status.

Royal Bank of Scotland

Reward Credit Card
Royal Bank of Scotland logo

21.9%

p.a. variable on transfers

21.9%

p.a. variable on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), with a £24 annual fee, representative 26.8% 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. Earn up to 15% cashback automatically when you spend at a range of participating retailers with Barclaycard Cashback Rewards. This is a new benefit, available to all Barclaycard Visa credit card customers, and it’s on top of the cashback you’re already earning with your card. T&Cs apply

Vanquis Bank

Origin Credit Card
Vanquis Bank logo

59.9%

p.a. variable on transfers

59.9%

p.a. variable on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 59.90% (variable), representative 59.9% 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

Visa Credit Card
Vanquis Bank logo

N/A

0% interest on transfers

39.90%

p.a. variable on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 39.90% (variable), representative 39.9% APR (variable). Credit available subject to status.

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  • 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.

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