Revealed: top all-round balance transfer and purchase cards

Credit Cards

An all-round credit card is a handy tool that combines two or more offers on things like balance transfers, purchases, money transfers, rewards, points and cashback, in one place.

These sorts of cards are handy if you want to cut down on the amount of plastic you carry around and can make your life simpler.

That's because with one card you won't have to manage different payment dates, navigate multiple online banking systems and remember lots of different passwords.

Going for an all-rounder deal will also save you having to apply for two or more cards separately and going through more than one credit check, which looks a lot better on your credit record.

While all-round credit cards can come in a variety of combinations, typically cards that offer deals on 0% balance transfers and purchase are the main battle ground for providers.

These allow you to spread the cost of a big purchase but also move existing debt from another card you may want to close down at the same time.

The best all-round credit cards

As luck would have it, interest-free periods on all-in-one cards are getting longer. When we did the same round-up last August, we found the the top offer was for 25 months.

As you can see from the table below, that can easily be beaten by the current top all-rounder deals.

Credit card

0% period on balance transfers and purchases

Balance transfer fee


MBNA All Round Credit Card

30 months



Sainsbury's Bank Dual Offer Credit Card

30 months



Post Office Money Matched Credit Card

30 months



Santander Everyday Credit Card

30 months



Virgin 27 Month All Round Credit Card

27 months



HSBC Dual Credit Card

26 months



Virgin All Round Credit Card

25 months



M&S Shopping Plus Offer Credit Card

25 months



Tesco Clubcard 15 Month Balance Transfer and Purchase Credit Card

15 months



The MBNA All Round Credit Card is our top pick, giving you 30 months of interest-free spending and freezing your debt with a 2.72% fee. So if you were to transfer £2,000, you'd pay a fee of £54.40.

The Sainsbury's Bank Dual Offer Credit Card also the same competitive 30-month period but comes with a slightly higher fee of 2.74%.

However, if you were prepared to sacrifice five months, you could go for the Virgin All Round Credit Card which has a cheaper balance transfer fee of 1.5% over 25 months.

If you have overdraft debt you want to clear, it also comes with 25 months 0% on money transfers with a 2% fee.

Not for everyone

All-round credit cards for 0% balance transfers and purchases won't be the best option for everyone.

If you need to tackle big credit card debts, all-round cards are probably not a good idea as you can get longer lasting 0% deals.

Right now you can get 0% balance transfers lasting 40 months, giving you 10 months longer to freeze your debt and get back in control of your finances compared to the top all-round credit card.

Likewise, if you don't have any debt to shift going for an all-round credit card may not be the best option as there are longer lasting deals available that will give you more time to spread the cost of your purchases.

At the moment you can get 32 months 0% interest-free spending with the Sainsbury's Bank Purchase Credit Card MasterCard or the AA Dual Credit Card MasterCard which are both two months longer than the top all-round deal.

Vintage money-saving tips
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Vintage money-saving tips
Back then there was no choice, because the mass-produced microwaveable meal was just a glint in a marketing guru's eye, but now, cooking from scratch can save substantial sums.
The older generation learned that there were meat-free days of the week to save money, and that if you had meat you''d stretch mince with breadcrumbs, or buy cheaper joints and use every scrap.
Perfect fruit and vegetables and top-of-the-range brands are a new phenomenon. Buy generic non-branded food and fruit and vegetables in whatever size and shape is most affordable

Nowadays we rush around the supermarket grabbing things we like the look of - with little idea of what we're going to do with it. Making a list and thinking about what you buy can save you thousands of pounds over the course of a year.

There's no such thing as 'left-overs' there's just the ingredients for tomorrow's dinner. The remains of the meat can be stir-fried the next day, the vegetables blended into  soup, and the potatoes saved for bubble and squeak.

Try an experiment and eliminate everything from your life with the word disposable in the title. Not only will you save money, but your bin will take far longer to fill too.

Before you bin anything, think twice about whether you can give it a second life. Think carefully, does your granny have her tried and tested tips that she has a habit of mentioning, for instance, washing out freezer bags? If you mock, you're missing a trick and wasting money and resources.
Cutting out draughts and insulating your home properly can cut 10% off your heating bill.
Back in the 1940s when no-one had central heating, people got used to wearing another layer at home. Try lowering your thermostat gradually, and only stop when those around you start to notice - you'll be surprised how much you can save.
If you save your washing and dish washing until you have a full load every time you'll save energy and save money.
Over the generations we have been sucked into believing the hype. In the days when adverts were few-and-far between, we managed without many of the things we consider essential nowadays. Re-consider what you buy, and why. Without advertising, would you buy any of it?
It's always cheaper to save in advance and plan a purchase than to rush in and borrow - which could end up costing you hundreds of pounds more in interest.
Older generations typically withdraw what they can afford to spend in cash and then leave their debit card at home or deep in their wallets. This has the advantage that they don't tend to reach for a debit or credit card and spend more than they can afford.
Because the older generations couldn't borrow their way out of trouble, they tended to plan more. Give your family a financial safety and a nest egg for the future.
Back when there were only a finite number of items of clothing to go around in a neighbourhood, people borrowed from each other for special occasions. Nowadays swapping and sharing can save substantial sums
Back in the 1940s when no-one had central heating, people got used to wearing another layer at home. Try lowering your thermostat gradually, and only stop when those around you start to notice - you'll be surprised how much you can save.
There was a time not so long ago when no-one could actually remember anyone who had actually bought a bike. They were passed through the siblings, then across family and friends networks, so that decades later, children were still learning to ride a bike for free. Of course it helps if you buy something gender-neutral, then you can hand it down, and reap the benefits as others hand expensive toys on to you.
In previous generations, neighbours would think nothing of asking each other to babysit, walk their dog, or to borrow a ladder. Nowadays we pay handsomely for babysitters and dog walkers, and each have an expensive ladder gathering dust in the shed.
The army of people who come to our homes to do odd jobs is a new phenomenon for all but the very wealthy. You may well have the skills required to complete these jobs, so get stuck in.

Ditch going out for dinner or browsing round the shops for taking a walk, visiting the beach with a picnic, or holding a family DVD night.

Nowadays we're constantly striving for a bigger TV, a flashier car and a better kitchen. Generations ago people never considered that they would ever be able to afford bigger, flashier and better, so they got on with the business of enjoying what they had.

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