Best Card Rates

Find a single card with 0% on balance transfers and purchases. Great if you don’t want two separate cards for spending & repaying debt.

0% Interest Credit Cards

MBNA All Round 30/30 Credit Card Visa
Balance Transfer Rate

0.0% for 30 months from date of card issue.

Intro Purchase Rate

0.0% for 30 months.

Additional information
  • 0% on purchases and balance transfers for 30 months
  • No balance transfers from MBNA cards
  • Contactless payments up to £30
Representative Example: Based on a credit limit of £1200.00 charged at 19.9% variable per annum for purchases. Representative 19.9% APR variable.
Sainsbury's Bank Dual Offer Credit Card MasterCard
Balance Transfer Rate

0.0% for 30 months from date of card issue.

Intro Purchase Rate

0.0% for 30 months.

Additional information
  • 0% for 30 months for both balance transfers & purchases
  • No Contactless payments
  • Manage your card online
Representative Example: Based on a credit limit of £1200.00 charged at 18.95% variable per annum for purchases. Representative 18.9% APR variable.
Post Office Money Matched MasterCard
Balance Transfer Rate

0.0% for 30 months from date of card issue.

Intro Purchase Rate

0.0% for 30 months.

Additional information
  • 0% on purchases and balance transfers for 30 months
  • Rates dependent on credit rating
  • Manage your account online
Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable.
Santander Everyday Credit Card MasterCard
Balance Transfer Rate

0.0% for 30 months from date of transfer.

Intro Purchase Rate

0.0% for 30 months.

Additional information
  • 24 hour customer service
  • No balance transfers from Santander Group cards
  • Manage your card online
Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable.
Lloyds Bank Platinum 29 Month Purchase and Balance Transfer MasterCard
Balance Transfer Rate

0.0% for 29 months from date of card issue.

Intro Purchase Rate

0.0% for 29 months.

Additional information
  • Balance transfer fee of 2.5%
  • Rates dependent on credit rating
  • Manage your card online
Representative Example: Based on a credit limit of £1200.00 charged at 18.94% variable per annum for purchases. Representative 18.9% APR variable.
Bank of Scotland Platinum 29 Month Purchase and Balance Transfer MasterCard
Balance Transfer Rate

0.0% for 29 months from date of card issue.

Intro Purchase Rate

0.0% for 29 months.

Additional information
  • Balance transfer fee of 2.5%
  • £5 charge if you need to change payment due date
  • Manage your card online
Representative Example: Based on a credit limit of £1200.00 charged at 18.95% variable per annum for purchases. Representative 18.9% APR variable.
Halifax Online Balance Transfer and Purchase Credit Card MasterCard
Balance Transfer Rate

0.0% for 29 months from date of card issue.

Intro Purchase Rate

0.0% for 29 months.

Additional information
  • Balance transfer fee of 2.5%
  • Rates dependent on credit rating
  • To keep promo rate you must pay at least the min payment.
Representative Example: Based on a credit limit of £1200.00 charged at 18.95% variable per annum for purchases. Representative 18.9% APR variable.
nuba All Round Credit Card MasterCard
Balance Transfer Rate

0.0% for 28 months from date of card issue.

Intro Purchase Rate

0.0% for 28 months.

Additional information
  • % on balance transfers for 28 months
  • No balance transfers from MBNA cards
  • Contactless payments up to £30
Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable.
Virgin Money 27 Month All Round Credit Card MasterCard
Balance Transfer Rate

0.0% for 27 months from date of card issue.

Intro Purchase Rate

0.0% for 27 months.

Additional information
  • Introductory balance transfer and purchase term of 27 months
  • High rate for cash withdrawals
  • Contactless payments up to £30
Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable.
HSBC Dual Credit Card Visa
Balance Transfer Rate

0.0% for 26 months from date of transfer.

Intro Purchase Rate

0.0% for 26 months.

Additional information
  • 0% balance transfers and purchases for 26 months
  • Rates dependent on credit rating
  • Manage your card online
Representative Example: Based on a credit limit of £1200.00 charged at 22.9% variable per annum for purchases. Representative 22.9% APR variable.
Virgin Money All Round Credit Card MasterCard
Balance Transfer Rate

0.0% for 25 months from date of card issue.

Intro Purchase Rate

0.0% for 25 months.

Additional information
  • 0% on purchases and balance transfers for 25 months
  • High rate for cash withdrawals
  • Contactless payments up to £30
Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable.
M&S Bank Shopping Plus MasterCard
Balance Transfer Rate

0.0% for 25 months from date of transfer.

Intro Purchase Rate

0.0% for 25 months.

Additional information
  • Earn 1 point for every £1 spent at M&S
  • Rates dependent on credit rating
  • Emergency cash service available
Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable.

Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts. Where we have been able to we have also provided a link for you to apply online today. Products shown with a yellow background are sponsored products.

Disclaimer:
All credit cards are subject to the applicant’s status. The APR quoted is representative of the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you are offered may be higher, or you may not be offered credit. Fees and rates subject to change without notice. Please check all rates and terms before borrowing.

Moneyfacts.co.uk Limited is an independent credit broker not a lender. We will receive a payment from credit providers where customers link to them from Moneyfacts.co.uk. None of these arrangements affects our independence