The Bank of Scotland All in One Mastercard

This credit card is great for both spending and balance transfers! Find out why.

If you’re after a credit card that’s good for both spending and balance transfers, the Bank of Scotland All in One Mastercard is a brilliant choice.

What’s so great about this card?

By shifting your existing credit card debt onto the Bank of Scotland All in One Mastercard, you can enjoy nine months interest-free!

On top of that, if you use this card for spending, you also won’t have to pay any interest on that debt for nine months.

Is it the most competitive? 

If you’re looking for either a nought percent balance transfer card, OR a nought percent new purchases card, you will find there are longer interest-free deals on the market.

However, what’s really great about the Bank of Scotland All in One Mastercard is that you can use it for BOTH balance transfers and purchases, and you won’t get stung by negative order of payment. This is when your cheapest debts are paid off first, leaving you to rack up interest on the most expensive debt.

Because both the balance transfer period and purchases period are exactly the same on the Bank of Scotland All in One Mastercard, you will completely avoid this.

That said, the Sainsbury’s Finance MasterCard offers a slightly longer interest-free period of ten months on both balance transfers and purchases.

Get the Bank of Scotland All in One Mastercard