The best all-round 0% balance transfer 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 fallen over the last few years (although these have recently improved), 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, make sure you 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.

We're working with Compare the Market*, which allows you to do just that. Click here to find out more or jump straight in and discover which credit cards you're likely to qualify for.

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 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 (for the combined term for balance transfers and purchases) 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


Santander All in One Card*

26 months for balance transfers, 23 for purchases



M&S Shopping Plus Card**


2.90% (min £5)


Sainsbury’s Bank Dual 24 Month Card

Up to 24

2.88% (min £3)***


MBNA 0% Transfers and Purchases Card****

Up to 24



*Has a £3 monthly fee.

**0% on all balance transfers made within the first three months of account opening.

***Applies to transfers at application.

****0% on all balance transfers made within the first two months of account opening.

+You could get charged a 3.49% fee depending on your personal circumstances.

Santander's All in One card offers the longest interest-free balance transfer period out of the above cards at 26 months and doesn’t charge a fee for transfers. But you’ll get a slightly shorter 23-month period for purchases.

This card has a £3 monthly fee, but this can be 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 a lot, but if you can then you're onto a winner as the card is then effectively fee-free.

If you don’t want to pay a monthly fee for your credit card, you could go for the M&S Shopping Plus Card, which offers 24 months interest-free for purchases and balance transfers (a 2.9% fee applies, min £5), as well as the chance to collect M&S points.

Alternatively, you can opt for one of the other credit cards above. You won’t get charged a monthly fee, but you’ll have to pay a one-off charge on any balance transfers you make.

Comapre credit cards (Image: CTM)

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 may have more generous offers on new spending.

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

*loveMONEY has teamed up with Compare the Market to provide credit card price comparison services. Compare the Market Limited acts as a credit broker, not a lender. To apply you must be a UK resident and aged 18 or over. Credit is subject to status and eligibility.

Read more:

The UK's cheapest personal loans

The best cashback cards


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