Compare credit cards

From 0% deals to low standard APR, we cover the whole market

Looking for a credit card with 0% on balance transfers and new purchases? Check out The Fool's best deals on 0% balance transfer and new purchase credit cards. Search, compare and apply online.

Credit cards offering 0% interest on balance transfers and purchases give you the best of both worlds. As well as not paying any interest on debts transferred from your other cards you also pay 0% interest on any purchases you make.

If possible, opt for a card which offers the same length deal for both balance transfers and purchases. This way you won’t get caught out paying interest on one or the other for a few months at end, and you can maximise your interest free credit.

Compare our top credit cards by category

 
 
Credit card
company
Balance transfersrate and period?New purchasesrate and period? Representative
APR
?
Loyalty details? Apply
now

Barclaycard 15/15 Platinum Visa

Barclaycard 15/15 Platinum Visa
0% for 15 months (2.9% fee)0% for 15 months Representative 18.9% APR (variable)

With Barclaycard Freedom, automatically earn Reward Money at selected retailers (not points or vouchers) and redeem it on a future purchase at selected retailers within the programme. At most Earn Retailers, earn Reward Money at 1% of the purchase price of Eligible Purchases made using the card. Terms and conditions apply.

Representative example: assumed borrowing of £1,200, representative 18.90% APR (variable). Purchase rate 18.90% PA (variable).

Halifax All in One MasterCard

Halifax All in One MasterCard
0% for 15 months (3% fee)0% for 15 months Representative 17.9% APR (variable)

The All in One card also offers the following Halifax extras: No annual fee, cover against online fraud, manage your card online and around the clock service.

Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 17.95% PA (variable). Halifax, The Mound, Edinburgh EH1 1YZ

Virgin Money 13/13 MasterCard

Virgin Money 13/13 MasterCard
0% for 13 months (2.89% fee)0% for 13 months Representative 18.9% APR (variable)N/A
Representative example: assumed borrowing of £1,200, representative 18.90% APR (variable). Purchase rate 18.90% PA (variable).

NatWest Platinum MasterCard

NatWest Platinum MasterCard
0% for 22 months (3.2% fee)0% for 6 months Representative 17.9% APR (variable)

Stop paying interest on your balances for the next 16 months – and save on everyday spending too. Balance transfers are limited to 95% of your available credit limit so, if your new Platinum Credit Card has a limit of £2000, you could switch up to £1900.

Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 17.95% PA (variable).

Royal Bank of Scotland Platinum MasterCard

Royal Bank of Scotland Platinum MasterCard
0% for 22 months (3.2% fee)0% for 6 months Representative 17.9% APR (variable)

Stop paying interest on your balances for the next 16 months – and save on everyday spending too. Balance transfers are limited to 95% of your available credit limit so, if your new Platinum Credit Card has a limit of £2000, you could switch up to £1900.

Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 17.95% PA (variable).

Sainsbury's Nectar Credit Card

Sainsbury's Nectar Credit Card
0% for 15 months (3% fee)0% for 6 months Representative 16.9% APR (variable)Points - Earn 2 points per £1 spent in Sainsbury's store. Earn 1 point per £5 spent when making any other purchase.
Representative example: assumed borrowing of £1,200, representative 16.9% APR (variable). Purchase rate 16.94% PA (variable).

Nationwide BS Select Credit Card

Nationwide BS Select Credit Card
0% for 20 months (3.1% fee)0% for 12 months Representative 12.9% APR (variable)Cashback - Rewards scheme providing savings on major brands including Holiday Inn, Wickes, Butlins, Urban Outfitters, Gourmet Society, Kwik Fit, aka Promotions (West End Theatre) and Virgin Holidays - these offers are reviewed on a regular basis.
Representative example: assumed borrowing of £1,200, representative 12.90% APR (variable). Purchase rate 12.90% PA (variable).

Creation Purchase MasterCard

Creation Purchase MasterCard
0% for 9 months (3% fee)0% for 13 months Representative 17.9% APR (variable)N/A
Representative example: assumed borrowing of £1,200, representative 17.90% APR (variable). Purchase rate 17.90% PA (variable).

Sainsbury's Shopper Credit Card

Sainsbury's Shopper Credit Card
0% for 12 months (3% fee)0% for 12 months Representative 16.9% APR (variable)

With a Sainsbury's Credit Card, Sainsbury's shoppers with a Nectar card can enjoy 0% for 12 months on all shopping and balance transfers (3% BT fee applies) 15.9% APR typical variable. Subject to Nectar card verification in store.

Representative example: assumed borrowing of £1,200, representative 16.9% APR (variable). Purchase rate 16.94% PA (variable).

Bank of Scotland All in One MasterCard

Bank of Scotland All in One MasterCard
0% for 12 months (3% fee)0% for 12 months Representative 17.9% APR (variable)

The All in One card also offers the following Bank of Scotland extras: No annual fee, cover against online fraud, manage your card online and around the clock service.

Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 17.95% PA (variable). Bank of Scotland, PO Box 23581, Edinburgh EH1 1WH.

Bank of Scotland All in One Advantage Card

Bank of Scotland All in One Advantage Card
0% for 13 months (3% fee)0% for 13 months Representative 17.9% APR (variable)

Exclusive to new and existing Bank of Scotland current account customers

Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 17.95% PA (variable). Bank of Scotland, PO Box 23581, Edinburgh EH1 1WH.

AA Visa Credit Card

AA Visa Credit Card
0% for 12 months (3% fee)0% for 10 months Representative 16.9% APR (variable)

Points apply to eligible card purchases. Reward of 1 point for every full £2 spent, with 1 point for every £1 spent on Fuel, Motoring or AA product purchases.

Representative example: assumed borrowing of £1,200, representative 16.90% APR (variable). Purchase rate 16.90% PA (variable).

Foolish Selection

American Express Platinum CashbackAmerican Express Platinum Cashback
5% cashback in the first 3 months up to £100. 1.25% after that, with no limit on how much you can earn.Representative 18.5% APR variable. Based on annual fee of £25 and assumed credit limit of £1,200. Interest rate for purchases: 14.0% p.a. variable.
 Apply now

Some important information about this page

This credit card comparison service (the “Service”) is provided by lovemoney.com, a third party. If you have any questions about the Service or any data displayed, please contact lovemoney.com.

The Motley Fool does not provide personalised financial service.

Please note that the services and products featured are those made available from advertisers and may not necessarily be the best offers on the market. For more information, please see our credit cards advertising disclosure.