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0% balance transfer & purchase cards
Get up to 23 months 0% on both with one card
Most credit cards are good for new spending OR cutting the cost of existing debt, but some offer cheap intro rates on both. We've full info and our top picks, plus our Balance Transfer & Spending Eligibility Calculator will show the cards you have the best odds of getting before you apply.

Who's this guide for? Anyone with existing card debt, who wants to transfer a balance and spend at 0% on the same card.
Not what you want? Other related best-buy guides...
0% money transfer cards | 0% spending credit cards | Balance transfer cards | Debt help | Credit cards explained
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What is a 0% all-rounder credit card?

Most 0% credit cards are good for new spending OR cutting the cost of existing debt, but an all-rounder card offers 0% intro rates for a number of months on both.
You can usually get a longer 0% period with a dedicated balance transfer card, though if you have a need to borrow further (eg, a planned, affordable, one-off purchase, such as replacing a broken fridge) then an all-rounder card offers one fewer application hitting your credit file, protecting your creditworthiness.
Watch out for cards with two different 0% lengths
Certain cards have, for example, 20 months 0% on spending and 16 months 0% on transfers. In this case, after 16 months you'd start paying interest on any amount left that you'd transferred. It's therefore best to clear the card by the shortest 0% period, so you don't get caught out.
However, if you can't, any repayments you make has to go towards paying off the most expensive debt first, so this will at least clear first.
The five golden rules
Before applying for a 0% balance transfer & spending card, ensure you read the five golden rules.
See which credit cards you've the best chance of getting, in your own personal best-buy table.
Usually, applying is the only way to know if you'll be accepted for a credit card. Yet that marks your credit file, affecting your ability to get future credit. To help, our tool uses a 'soft search' to find your chances of acceptance before applying.
Check your chance of acceptance
Top 0% 'all-rounder' cards
You'll pay a one-off fee for transferring a balance, so it's best to go for the card with the lowest fee in the time you're sure you can repay it. If unsure, play safe and go long.
Important. These include 'up to' cards, so poorer credit scorers may get a shorter deal than advertised – unless you're showing as pre-approved in our eligibility calculator. This is the best route as it shows which cards you're most likely to be accepted for.
Top 0% balance transfer & spending cards for new cardholders
LENDER | 0% LENGTHS + FEE (i) | APPLY |
![]() NatWest |
Long, definite 0% periods – all accepted get 23 months at 0%. Also offered by sister banks RBS and Ulster Bank, these cards were previously only available to existing customers, but are now open to all to apply. | |
- 23mths 0% - 2.99% transfer fee - 23.9% rep APR |
Check eligibility | |
Apply* | ||
![]() Barclaycard |
Another card with long 0% periods, though it's an 'up to'. So some accepted may get 12 months at 0% for spending and 11 months for transfers. | |
- Up to 22mths 0% - 2.99% transfer fee - 22.9% rep APR |
Check eligibility | |
Apply* | ||
Only purchases made in first 60 days are interest-free |
Another 'up to' card – a decent option if you're not eligible for the cards above. Though only purchases made in the first 60 days will be interest-free and some accepted may get just 12 months at 0%. | |
- Up to 22mths 0% - 2.99% transfer fee - 22.9% rep APR |
Check eligibility | |
Apply* |
Important: (i) Fee as a percentage of debt shifted. To get the 0% and fee, you must usually do the balance transfer within 60/90 days of opening. You can't transfer a balance between cards from the same bank/group.|Representative APR (variable) after the 0% period is stated above – your balance transfer interest may be different.|See all official APR examples.
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Cashback sites may pay you for signing up
As an extra boon, members of specialist cashback websites can be paid when they sign up to some financial products. Do check it's exactly the same deal though, as terms can be different. And remember that cashback is never 100% guaranteed until it's in your account.
There's full help to take advantage of this and pros and cons in our Top Cashback Sites guide.
0% 'all-rounder' cards Q&A
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