The best all-round 0% balance transfers and purchase credit cards

All-round credit cards aren't just convenient: they're now almost as good as specialised balance transfer and purchase cards. Here are some of the best.

An all-round credit card is a handy tool that comes with a 0% offer on both balance transfers and new purchases.

Previously, these dual cards were seen as a poor 'jack of all trades' option that didn't do either particularly well.

But as interest-free terms on specialised balance transfer cards and purchase cards have plummeted over the last few years, all-round cards now provide interest-free periods that are sometimes just as long.

These cards also have another advantage: you only have to undergo one credit check rather than two.

Speaking of credit checks, be sure to use an eligibility checker before applying for any credit card as this gives you a decent idea of how likely you are to be accepted without leaving a mark on your credit report.

They are widely available from price comparison sites such as CompareTheMarket and uSwitch.

A word of warning

It's easy to see why someone would want a card that offers greater flexibility, but if you do find yourself having sizeable existing debt and upcoming purchases you can't cover at the same time, it's vital you use these cards to buy you vital time to get yourself back on the path to financial health.

They obviously won't solve debt by themselves: you need a plan.

Read our guide to getting out of debt for practical tips and also this piece on where to find free debt support for further help.

The best all-round credit cards

We've ranked these cards firstly by the 0% period and then by the fee.

The APR shouldn't matter as much because you should really aim to clear your debt before the interest-free period ends or alternatively shift it to another 0% card.

Credit card

0% period on balance transfers and purchases

Balance transfer fee

APR

Santander All in One Credit Card*

26 months

N/A

21.7%

M&S Shopping Plus Offer Credit Card

20 months

2.9%, min £5

19.9%

TSB Platinum Purchase Card

Up to 20 months

2.95%

19.9%

Sainsbury’s Bank Dual Offer Card

Up to 20 months

3%, min £3

20.9%

*Has a £3 monthly fee

Santander's All in One card has a £3 monthly fee, but this can be at least partially offset by the 0.5% cashback on offer.

You'd need to spend £600 a month to cover the charge in full, which is an awful lot, but if you can then you're onto a winner as the card is then effectively fee-free.

Alternatively, you can opt for the credit cards on offer from M&S, TSB or Sainsbury’s Bank, which offer a shorter interest-free period.

You won’t get charged a monthly fee, but you’ll have to pay a one-off charge on any balance transfers you make.

Not for everyone

You may still be better off going for a specialised 0% credit card depending on your individual needs.

Some balance transfer cards are notably cheaper if you have large existing debts, while some purchase cards have more generous offers on new spend.

Still not found the right card for you? View our complete guide to credit cards to see all your options.

Read more:

The UK's cheapest personal loans

The best cashback cards

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