Halifax revamps All in One credit card

Interest-free balance transfers and purchases boosted, while fees have been cut. But how does the new deal stack up?

Halifax has overhauled its All in One credit card.

The deal now offers 24 months interest free on purchases as well as 24 months of 0% interest on balance transfers.

In addition, the fee on balance transfers made within the first 90 days has been cut to 0.8%.

But is the new and improved Halifax card worth going for?

The changes to the All in One balance transfer offer mean it’s now one of the best cheap balance transfers on the market.

It usurps Barclaycard’s 24-Month Platinum credit card which offers two years 0% on balance transfers with a 0.99% fee.

Below are the current cheapest 0% balance transfer deals on the market right now.

Credit card	0% balance transfer period	Balance transfer fee	Fee paid on £2,000 transfer	Representative APR after 0% period ends
Santander 123 Credit Card *	23 months	None	£0	16.5%
Tesco Bank Clubcard 19-Month No Fee Credit Card	19 months	None	£0	18.9%
Halifax All in One Credit Card	24 months	0.8%	£16	18.9%
Virgin Money Balance Transfer Credit Card	26 months	1.25%	£25	18.9%
Barclaycard Platinum Balance Transfer 32-Month Credit Card	32 months	1.39%	£28	18.9%

*Annual fee of £24

These are the cheapest balance transfer deals available right now but if you need longer there are cards that last a lot longer.

The top deal from Virgin Money offers 40 months of 0% interest on balance transfers with a 2.99% transfer fee.

The All in One card is also offering a competitive interest-free period on purchases.

However, it’s not quite market leading.

The Clydesdale Bank and Yorkshire Bank Gold MasterCard is the top card for purchases right now, offering a whopping 26 months to spend interest free.

The Post Office Money Matched Credit Card also offers a longer 25 months interest free on purchases.

Credit card	0% period	Representative APR
Clydesdale Bank Gold MasterCard	26 months	18.9%
Yorkshire Bank Gold MasterCard	26 months	18.9%
Post Office Money Matched Credit Card	25 months	18.9%
Halifax All in One Credit Card	24 months	18.9%
Virgin Money All Round Credit Card	24 months	18.9%
Santander 123 Credit Card*	23 months	16.5%
Tesco Bank Clubcard for Purchases	21 months	18.9%

*Annual fee of £24