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Top 0% Balance Transfer and Purchase Credit Cards

  • If you need to make purchases as well as transferring an existing balance these 0% credit cards could save you money on both
  • Use our table below to find the right credit card for you by comparing the interest free periods, fees and rates.
  • There are 55 out of 93 cards matching this search.
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MBNA Balance Transfer Credit Card
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  • 0% for up to 41 months from account opening on balance transfers made in the first 60 days
  • 2.79% effective fee applies on each balance transfer made in the first 60 days
  • Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

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    • Sainsbury's Bank Dual Offer Credit Card

    • Balance Transfers Offer
      0% Variable
      For 30 months
      (2.74% fee)
    • New Purchases Offer
      0% Variable
      For 30 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

        • 3% balance transfer fee refunded to 2.74% on transfers made in the first 3 months. (3% thereafter, £3 minimum at all times).
      • Provider
        Sainsbury's Bank

      Benefits

        • Interest rate and credit limit are subject to status.
        • 5,000 bonus Nectar points - spend £250 in a Sainsbury's store in the first month from account opening. Ends 28th August 2017
        • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
        • If your application is approved you are guaranteed to get the 0% interest period advertised.
        • No annual fee.

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident.
        • You must not be an existing Sainsbury's Bank Credit Card customer.
      • Min Age
        18
      • Visit Website
      • 5,000 bonus Nectar points - spend £250 in a Sainsbury's store in the first month from account opening. Ends 28th August 2017
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). 3% balance transfer fee refunded to 2.74% on transfers made in the first 3 months. (3% thereafter, £3 minimum at all times.) Credit available subject to status.

    • MBNA All Round Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 30 months
      (2.74% fee)
    • New Purchases Offer
      0% Fixed
      For 30 months
    • Representative APR
      19.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Provider
        MBNA Limited

      Benefits

        • 0% on balance transfers for up to 30 months from the date your account is opened (2.74% handling fee). Offer only applies to transfers made within the first 60 days. You are not able to transfer a balance from another MBNA credit card.
        • 0% on purchases for up to 30 months from the date your account is opened.
        • 0% on money transfers for up to 30 months from the date your account is opened (4% handling fee). Offer only applies to transfers made within the first 60 days.
        • When these offers come to an end and for transfers made after the 60 days, the standard rate for balance transfers is 20.9% p.a. for purchases is 19.9% p.a. and for money transfers is 22.9% p.a. (5% handling fee applies to both).
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • Hold a UK bank/building society account.
        • UK permanent address for at least 3 years.
        • Good credit rating/history.
        • Eligibility for this credit card depends on your circumstances and the results of MBNA's eligibility check. The product, APR and promotional offer you could get may differ from the example.
      • Min Age
        18
      • Visit Website
    • 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.

    • Post Office Money Matched Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 30 months
      (2.75% fee)
    • New Purchases Offer
      0% Fixed
      For 30 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £1,000
      • Provider
        Post Office

      Benefits

        • 0% on all purchases for the first 30 months. A transaction must be made within 3 months of account opening to qualify for 0% for the first 30 months otherwise a purchase period of 0% for the first 30 months will apply.
        • 0% on balance transfers for the first 30 months. A balance transfer fee of 2.75% applies and transfers must be made within 3 months of account opening.
        • No cash fee when you purchase Post Office Travel Money.

      Before you Continue...

      • You must be at least 18 years old to apply.
        • Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Santander Everyday Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 30 months
      (2.75% fee)
    • New Purchases Offer
      0% Fixed
      For 30 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        Santander

      Benefits

        • 0% on balance transfers and purchases for 30 months from date of account opening.
        • No balance transfer fee during the introductory period.
        • No monthly fee.
        • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must not be an existing Santander balance transfer credit card customer
      • Min Income
        £7,500
      • Min Age
        18
      • Visit Website
      • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Halifax 29 Month Balance Transfer and Purchase Credit Card

    • Balance Transfers Offer
      0% Variable
      For 29 months
      (2.5% fee)
    • New Purchases Offer
      0% Variable
      For 29 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        Halifax

      Benefits

        • 0% for up to the first 29 months from account opening on both purchases and balance transfers made in the first 90 days.
        • You may be eligible to apply for a second credit card with us. Conditions apply.
        • Manage your card online using Online Banking and Mobile Banking service.
        • Fraud protection.
        • Faster payments to your card giving more flexibility and control.

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Bank of Scotland Platinum 29 Month Purchase and Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 29 months
      (2.5% fee)
    • New Purchases Offer
      0% Fixed
      For 29 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        Bank of Scotland

      Benefits

        • 0% for up to the first 29 months from account opening on both purchases and balance transfers made in the first 90 days.
        • You may be eligible to apply for a second credit card with us. Conditions apply.
        • Manage your card online using Online Banking and Mobile Banking service.
        • Fraud protection.
        • Faster payments to your card giving more flexibility and control.

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Lloyds Bank Platinum 29 Month Purchase and Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Variable
      For 29 months
      (2.5% fee)
    • New Purchases Offer
      0% Variable
      For 29 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        Lloyds Bank

      Benefits

        • 0% for up to the first 29 months from account opening on both purchases and balance transfers made in the first 90 days.
        • You may be eligible to apply for a second credit card with us. Conditions apply.
        • Manage your card online using Online Banking and Mobile Banking.
        • Fraud protection.
        • Faster payments to your card giving more flexibility and control.

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.94% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Virgin 27 Month All Round Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 27 months
      (2.7% fee)
    • New Purchases Offer
      0% Fixed
      For 27 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

        • Contactless payment for items up to £30.
        • Choose from a range of different card designs.
      • Provider
        Virgin Money

      Benefits

        • 0% for 27 months on purchases, 0% for 27 months on balance transfers, with a fee of 2.70% and 0% for 27 months on money transfers, with a fee of 2.70%.
        • Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident and hold a UK bank/building society account.
        • You must have good credit history.
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Barclaycard Platinum 25 Month Balance Transfer and Purchase Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 25 months
      (1.49% fee)
    • New Purchases Offer
      0% Fixed
      For 25 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £250
      • Provider
        Barclaycard

      Benefits

        • Barclaycard PayTag enabled - Use your mobile phone for contactless payments.
        • Contactless payment for items up to £30.
        • Instant online decision available.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status. 2.5% Balance Transfer Fee applies but this is reduced to 1.49% by a refund (Terms and conditions apply).

    • Virgin All Round Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 25 months
      (1.5% fee)
    • New Purchases Offer
      0% Fixed
      For 25 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

        • Contactless payment for items up to £30.
        • Choose from a range of different card designs.
      • Provider
        Virgin Money

      Benefits

        • 0% for 25 months on purchases, 0% for 25 months on balance transfers, with a fee of 1.50% and 0% for 25 months on money transfers, with a fee of 2%.
        • Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident and hold a UK bank/building society account.
        • You must have good credit history.
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • M&S Shopping Plus Offer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 25 months
      (2.9% fee)
    • New Purchases Offer
      0% Fixed
      For 25 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        M&S Bank

      Benefits

        • Buy M&S Travel Money with no cash advance or foreign exchange fees.
        • Earn M&S reward points every time you shop with your card.
        • Spend Safe fraud protection for complete peace of mind.
        • A bonus points voucher worth £5 when you use your M&S Credit Card in store.

      Before you Continue...

      • You must be at least 18 years old to apply.
      • Buy M&S Travel Money with no cash advance or foreign exchange fees
      • Earn M&S reward points every time you shop with your card
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Santander All in One Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 43 months
      (0% fee)
    • New Purchases Offer
      0% Fixed
      For 6 months
    • Representative APR
      21.7% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Annual fee
        £36
      • Min Credit
        £500
      • Provider
        Santander

      Benefits

        • 0% on balance transfers for 43 months from date of account opening (0% fee applies).
        • 0% on purchases for 6 months from date of account opening.
        • 0.5% cashback on all of your purchases with no limits or caps.
        • No foreign transaction fee on purchases or cash withdrawals in the local currency when you're abroad.
        • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • The annual fee is broken down into monthly payments of £3.
        • No monthly fee for 6 months on the All in One Credit Card if you have a 1I2I3 current account. Qualifying criteria applies.
      • Min Income
        £7,500
      • Min Age
        18
      • Visit Website
      • 0.5% cashback on all of your purchases with no limits or caps
      • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking
      • No monthly fee for 6 months on the All in One Credit Card if you have a 1I2I3 current account. Qualifying criteria applies.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 15.9% (variable), with a £36 annual fee, representative 21.7% APR (variable). Credit available subject to status.

    • AA Dual Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 16 months
      (2.89% fee)
    • New Purchases Offer
      0% Fixed
      For 32 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £1,000
      • Provider
        AA

      Benefits

        • Manage your card on the go with the AA Credit Card mobile servicing app.
        • 0% for 16 months on balance transfers is only available on transfers made within the first 3 months of account opening. 2.89% fee applies.
        • 0% for 32 months on purchases is only available if a transaction is made within the first 3 months of account opening.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must have a good credit rating to apply.
        • AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.
      • Min Income
        £8,000
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Halifax 40 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Variable
      For 40 months
      (1.69% fee)
    • New Purchases Offer
      0% Variable
      For 6 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        Halifax

      Benefits

        • 0% for up to 40 months from account opening on balance transfers made in the first 90 days.
        • 0% for 6 months from account opening on purchases.
        • 1.69% effective fee applies on each balance transfer made in the first 90 days. (An initial 3% fee applies, Halifax will then refund 1.31% within 90 days, so the effective fee is 1.69%. The refund applies for balance transfers in the first 90 days from when Halifax open your account, after which a 3% fee applies for each balance transfer).
        • You may be eligible to apply for a second credit card with us. Conditions apply.
        • Manage your card online using Online Banking and Mobile Banking service.
        • Fraud protection.
        • Faster payments to your card giving more flexibility and control.

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. An initial 3% balance transfer fee applies with a 1.31% refund within 90 days, so the effective fee is 1.69% (Terms and conditions apply).

    • Virgin 28 Month Purchase Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 18 months
      (2% fee)
    • New Purchases Offer
      0% Fixed
      For 28 months
    • Representative APR
      19.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

        • Contactless payment for items up to £30.
        • Choose from a range of different card designs.
      • Provider
        Virgin Money

      Benefits

        • 0% for 28 months on purchases, 0% for 18 months on balance transfers, with a fee of 2% and 0% for 18 months on money transfers, with a fee of 3%.
        • Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident and hold a UK bank/building society account.
        • You must have good credit history.
      • Min Age
        18
      • Visit Website
    • 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.

    • Post Office Money Platinum Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 18 months
      (2.89% fee)
    • New Purchases Offer
      0% Fixed
      For 28 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £1,000
      • Provider
        Post Office

      Benefits

        • 0% on balance transfers for the first 18 months. A balance transfer must be made within 90 days of the balance transfer transaction date.
        • 0% on purchases for the first 28 months.
        • No fees on purchases overseas.
        • No cash fee when you purchase Post Office Travel Money.

      Before you Continue...

      • You must be at least 18 years old to apply.
        • Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.
      • Min Income
        £8,000
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Bank of Scotland Platinum 39 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Variable
      For 39 months
      (1.6% fee)
    • New Purchases Offer
      0% Variable
      For 6 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        Bank of Scotland

      Benefits

        • 0% interest for up to 39 months from account opening on balance transfers within the first 90 days.
        • 0% interest for up to 6 months from account opening on purchases within the first 90 days.
        • 1.6% effective fee applies; Bank of Scotland will then refund 1.4% within 90 days, so the effective fee is 1.6%. The refund applies for balance transfers in the first 90 days from when Bank of Scotland open your account, after which a 3% fee applies for each balance transfer.
        • You may be eligible to apply for a second credit card with us. Conditions apply.
        • Manage your card online using Online Banking and Mobile Banking service.
        • Fraud protection.
        • Faster payments to your card giving more flexibility and control.

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. An initial 3% balance transfer fee applies with a 1.4% refund within 90 days, so the effective fee is 1.6% (Terms and conditions apply).

    • Lloyds Bank Platinum 39 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Variable
      For 39 months
      (1.6% fee)
    • New Purchases Offer
      0% Variable
      For 6 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Provider
        Lloyds Bank

      Benefits

        • 0% for up to 39 months from account opening on balance transfers within the first 90 days.
        • 0% for 6 months from account opening on purchases.
        • 1.6% effective fee applies; Lloyds Bank will then refund 1.4% within 90 days, so the effective fee is 1.6%. The refund applies for balance transfers in the first 90 days from when Lloyds Bank open your account, after which a 3% fee applies for each balance transfer.
        • You may be eligible to apply for a second credit card with us. Conditions apply.
        • Manage your card online using Online Banking and Mobile Banking.
        • Fraud protection.
        • Faster payments to your card giving more flexibility and control.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.94% (variable), representative 18.9% APR (variable). Credit available subject to status. An initial 3% balance transfer fee applies with a 1.4% refund within 90 days, so the effective fee is 1.6% (Terms and conditions apply).

    • Bank of Scotland Platinum 32 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 32 months
      (0.8% fee)
    • New Purchases Offer
      0% Fixed
      For 12 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        Bank of Scotland

      Benefits

        • 0% interest for 32 months on balances transferred within the first 90 days after your account is opened. 0.80% fee applies on each balance transfer,
        • also 12 months at 0% on purchases.
        • You may be eligible to apply for a second credit card with us. Conditions apply.
        • Manage your card online using Online Banking and Mobile Banking.
        • Fraud protection.
        • Faster payments to your card giving more flexibility and control.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Lloyds Bank Platinum 32 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Variable
      For 32 months
      (0.8% fee)
    • New Purchases Offer
      0% Variable
      For 12 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        Lloyds Bank

      Benefits

        • 0% for up to 32 months from account opening on balance transfers made within the first 90 days.
        • 0% for 12 months from account opening on purchases.
        • 0.8% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.94% (variable), representative 18.9% APR (variable). Credit available subject to status.

    0% Balance Transfers

    Balance transfer deals give savvy credit card users the chance to access huge savings by banishing unwanted interest charges. By shifting your balance from an existing card to a 0% balance card, you can take advantage of low-interest rates - saving you hundreds or even thousands of pounds when repaying debt.

    Because 0% balance cards allow you to pay back money at a lower rate, transfers often mean that you can pay off debt faster. Just keep in mind that you'll need to pay a small fee to switch your debt over in the first place. Fortunately, most fees are between 2.5% and 3%, a comparatively small price to pay for a faster route to a debt-free life.

    How Long Does a 0% Balance Transfer Take?

    In many cases, transferring to a 0% card will only take a few days. However, depending on the provider you choose, you might find that you're waiting for up to two weeks before your new card is delivered in the mail, followed by another week's wait to make the transfer.

    Do I Have to Pay a Monthly Minimum?

    While 0% deals can be an excellent solution for thrifty consumers, they don't mean you can avoid making any regular payments. You'll still be expected to make at least the minimum monthly payments on your debt - otherwise, you could end up facing significant penalties, or even lose your 0% deal.

    When is the Best Time to Apply for a Balance Transfer?

    To get the most from a 0% balance transfer, it's a good idea to apply for the switch at least three weeks before you need to pay off the balance on your old card. Keep in mind you may be required to transfer all debts within a month or two of opening the new card.

    Can Money Be Transferred to My Bank Account?

    Usually, 0% balance transfer credit cards should allow you to send money to your bank account with a 0% interest rate for an introductory period of a certain number of months depending on the provider.

    How Much Money Can I Transfer?

    Depending on the provider you choose you will be allowed to transfer a specific percentage of your credit limit, usually within the region of 90 to 95%. For example, if your credit limit is £5,000, you would be able to use £4,500 towards your balance transfers.

    How Can I Repay a 0% Balance Transfer?

    Most of the time, the best way to manage your debt is to create a direct debit. If you move a balance of £4,500 over to your 0% card, you could set up a direct debit for £150 a month that hopefully leaves you debt-free by the time the 0% interest rate offer expires. If you can't repay your debt by the end of the offer, you could start to rack up standard-rate interest again.

    What Will My Credit Limit Be?

    Following your application for a 0% card, your chosen provider should give you an insight into what your credit limit will be. It will be dependent on your circumstances as well as the provider you choose. Remember, while you might receive a sizeable credit limit on your new card, you might not pay the same rate for new purchases as you do for the initial transfer of debt. For instance, you may receive a 0% interest deal on all balance transfers for 37 months, but still be required to pay 16% interest on purchases.

    Does My Credit Record Matter?

    Yes. Your lender will decide your eligibility for a balance transfer, as well as credit limits and APR based on your credit record. Often, the top deals are only available to those with a clean credit record.

    0% Purchases

    If you're currently considering a large purchase, or you frequently use your credit card to pay for goods and services, then a 0% purchase credit card could be a great option. These cards allow you to buy big-ticket items and pay off the cost over a specific time period - without any interest. In some cases, when the 0% on purchases period lasts for a significant amount of time, you can effectively borrow money for free, so long as you clear your balance before the interest-free offer ends.

    Used correctly, a 0% purchase card can be the cheapest way to borrow - however the focus lies in repaying what you owe before new charges become applicable.

    What Will My Credit Limit Be?

    Your chosen provider should be able to give you an estimate of what your credit limit will be following your application for a 0% purchase card. Most of the time, the amount of credit you're given will depend on your credit rating.

    When Will I Need to Clear My Balance?

    The downside of 0% purchase cards, is that if you go even a few days over the promotional period, your interest rate can explode. This means that you need to calculate repayments carefully to clear your balance before the promotion ends. The typical APR (annual percentage rate) for purchase credit cards is between 18% and 20%, which makes them a very expensive borrowing option if you allow your balance to build.

    How Can I Make Repayments on a 0% Purchase Card?

    A good way to make 0% purchases card repayments is to set up a direct debit for at least the minimum payment amounts from the moment your application is accepted. If you miss your repayments, you could lose your 0% deal, meaning your interest rates and repayments will skyrocket. Remember, clear your card balance in full whenever possible as even £1 of balance when the 0% interest rate ends can cause you to pay a full month's interest rate.

    Do 0% Purchase Cards Offer Payment Protection?

    One unique benefit of 0% purchase cards, is that unlike with debit or cash purchases, you should receive a level of protection in case your items are faulty or fail to arrive on time. Under consumer protection rules, you can claim back a significant amount of the costs if your purchases don't arrive, or aren't what you expected. For instance, if the airline you booked flights with went out of business, you'd get your money back - even if you only put the deposit on your 0% purchase credit card.

    Does My Credit Score Matter?

    Yes, the most appealing deals for purchase cards - including those with the longest periods for interest-free payments - are usually offered to people with clean credit scores. Those with restricted credit histories, or poor credit scores may not be approved for a 0% card, or may only be able to take advantage of the 0% offer for a short period of time.

    What Do I Do When My 0% Period Expires?

    If your 0% period expires and you have not completed your repayments, you can either continue to make monthly payments at the new rate of interest, or you can attempt to transfer your remaining debt to a balance transfer card.

    Helpful links for credit card issues

    Money Advice Service - The government's Money Advice Service website provides concise, unbiased information on choosing and using credit cards as well as handy tools such as credit card calculators.

    The UK Cards Association - The British trade association for card payment companies has an extensive range of guides on their website covering all the types of payment cards available to UK consumers including debt, credit and prepaid cards.

    Financial Fraud Action (FFA) UK - The Financial Fraud Action website features important advice on using payment cards safely and securely as well as information on the latest scams.

    Financial Ombudsman Service - If you've already made a complaint to your card provider and have not had your issue resolved satisfactorily then the next step is to take up your complaint with the Financial Ombudsman.

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