Compare 0% Balance Transfer & Purchase Cards
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The Which? difference
Which? Money Compare displays all available credit card deals from providers large and small, whether we get paid commission or not. It makes no difference to how the credit cards appear in our tables, meaning you’ll always be able to stay in control and find the best deals for you, not us.
What are Which? Recommended Providers?
These are the companies that combine competitive deals with excellent customer service, and have been awarded Which?'s coveted Recommended Provider status.
Benefits
Combine your existing credit debt and any new spending on one credit card without paying any interest.
Pitfalls
0% deals tend to be much shorter than separate balance transfer and 0%-on-purchases credit cards.
Terms Explained
Representative APR (variable)
The interest rate for borrowing that at least 51% of the customers accepted will pay.
Which? Customer Score
Which?'s rating for customer satisfaction, based on feedback from thousands of real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand to a friend.
0% balance transfer deal
How long the interest-free deal lasts.
Balance transfer fee
The fee you'll have to pay when you transfer a balance to the credit card.
0% on purchases deal
How long the interest-free deal lasts.
Purchase interest p.a.
The annual interest rate you'll pay on new purchases after the interest-free deal ends.
Reward scheme
Whether rewards are paid on your spending with the credit card.