The best all round 0% balance transfers and buy credit cards


All-round credit cards aren’t just convenient – they are now almost as good as specialty 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% discount on both balance transfers and new purchases.

Previously, these double cards were seen as a bad ‘jack of all trades’ option that didn’t fare particularly well either.

But if interest-free conditions on specialized bank transfer cards and buy tickets have fallen sharply in recent years, allround cards now offer interest-free periods that are sometimes just as long.

These cards have another advantage: you only have to undergo one credit check instead of two.

Speaking of credit checks, make sure to use a fitness check before applying for a credit card as it will give you a good idea of ​​how likely you are to be accepted without leaving a mark on your credit report.

We partner with Compare the Market *, allowing you to do just that. Click here for more information or jump right in and find out which credit cards you are likely to qualify for.

A warning

It’s easy to see why someone would want a card that offers more flexibility, but if you find yourself with significant existing debt and upcoming purchases that you cannot cover at the same time, it is vital that you use these cards to give you vital time to get back on track to financial health.

Of course, they don’t solve the debts 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 relief for further assistance.

The best all-round credit cards

We ranked these cards first by the 0% period (for balance transfers and purchases) and then by cost.

The APR shouldn’t matter that much because you should really aim to settle your debt before the interest-free period ends, or shift it to another 0% card.

Credit card

0% period on balance transfers and purchases

Balance transfer costs


Santander All in One credit card *

26 months for balance transfers, 20 for purchases

N / A


M&S Shopping Plus credit card **


2.90%, minus £ 5


MBNA 0% Transfers and purchases Credit card ***

Up to 20 months

2.99% or 3.49%


Sainsbury’s Bank Dual Offer Card ****

Up to 20 months

3%, minus £ 3


* Has a monthly fee of £ 3
** 0% on all balance transfers within the first three months of account opening.
*** 0% on all balance transfers within the first two months of account opening.
**** Applies to transfers made with the application.

Santander’s All-in-One card has a monthly charge of £ 3 and recently cut the 0% purchase period from 26 months to 20 months, increasing the APR to 23.7%.

While this card has a monthly fee, it can be at least partially offset by the 0.5% cash back offered.

You would have to spend £ 600 a month to fully cover the cost, which is an awful lot, but if you can then you have a winner as the card is effectively free.

You can also opt for one of the other credit cards offered above, all of which offer a shorter interest-free period.

You won’t be charged a monthly fee, but you will have to pay a one-time fee for all balance transfers you make.

Comapre credit cards (Image: CTM)

Not for everyone

It may still be better to go for a specialized 0% credit card depending on your individual needs.

Some balance transfer cards are considerably cheaper if you have large existing debts, while some purchase cards have more generous offers for new releases.

Still not found the right card? Check out our complete guide to credit cards to see all your options.

* loveMONEY has partnered 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 resident of the UK and be 18 years of age or older. Credit is contingent on status and eligibility.

Read more:

The UK’s cheapest personal loans

The best cash back cards

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