2 cards side by side

Balance Transfer Credit Card vs Purchase and Balance Transfer Credit Card

At a glance

Same purchase APR on both: 24.9%.

Balance Transfer Credit Card compared with Purchase and Balance Transfer Credit Card
4 of 8 rows have data	Balance Transfer Credit CardNationwide Building Society4 of 8 facts on file · annual fee not yet checked	Purchase and Balance Transfer Credit CardNationwide Building Society4 of 8 facts on file · annual fee not yet checked
Welcome offerAs the issuer describes it. Offers change often, so check the terms before you apply.	With introductory offers of 0% interest on balance transfers for 30 months and 0% interest on purchases for 3 months.	With introductory offers of 0% interest on purchases and balance transfers for 15 months.
Purchase interest (APR)Same on allCharged on balances you carry. Your rate may depend on approval. Lower is marked only when a published issuer or regulator document confirms every card's rate.	24.9%	24.9%
NetworkSame on allWhere the card is accepted.	Visa	Visa
Listed underSame on allThe sections of this site the card appears in.	Balance Transfer, Low Interest, Rewards, 0% Intro Purchases	Balance Transfer, Low Interest, Rewards, 0% Intro Purchases
Apply	Apply	Apply

Balance Transfer Credit CardNationwide Building Society4 of 8 facts on file · annual fee not yet checked
Purchase and Balance Transfer Credit CardNationwide Building Society4 of 8 facts on file · annual fee not yet checked

Welcome offerAs the issuer describes it. Offers change often, so check the terms before you apply.

Balance Transfer Credit Card: With introductory offers of 0% interest on balance transfers for 30 months and 0% interest on purchases for 3 months.
Purchase and Balance Transfer Credit Card: With introductory offers of 0% interest on purchases and balance transfers for 15 months.

Purchase interest (APR)Same on allCharged on balances you carry. Your rate may depend on approval. Lower is marked only when a published issuer or regulator document confirms every card's rate.

Balance Transfer Credit Card: 24.9%
Purchase and Balance Transfer Credit Card: 24.9%

NetworkSame on allWhere the card is accepted.

Balance Transfer Credit Card: Visa
Purchase and Balance Transfer Credit Card: Visa

Listed underSame on allThe sections of this site the card appears in.

Balance Transfer Credit Card: Balance Transfer, Low Interest, Rewards, 0% Intro Purchases
Purchase and Balance Transfer Credit Card: Balance Transfer, Low Interest, Rewards, 0% Intro Purchases

Apply

Not confirmed for any of these cards: Annual fee, Foreign transaction fee, Top earn rates, Rewards program. We leave these out rather than show a row of blanks — check the issuer’s own terms for them.

Lower lowest figure, marked only when every card’s figure is confirmed by the issuer’s or a regulator’s published document Not confirmed: we hold no checked figure — a blank is not a claim of zero On file, but not yet checked with the issuer — confirm it on their own page

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The bottom line

Which one?

Cost is only half of it. Match each card’s earn rates and welcome offer to where your money actually goes, confirm anything marked “not confirmed” with the issuer, then open the full review for the card that fits.

Balance Transfer Credit Card review Purchase and Balance Transfer Credit Card review

Questions

Frequently asked

Can I hold Balance Transfer Credit Card and Purchase and Balance Transfer Credit Card at the same time?

In most cases, yes. Holding cards from different issuers is common and can help you cover more spending categories. Check each issuer's own policies for any restrictions.

Are these cards available in United Kingdom?

Every card in this comparison is issued for United Kingdom. Approval depends on each issuer's credit and income criteria.