0% credit card - Purchase or Transfer?

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I'm looking to get a 0% credit card to spend about £6k on and pay it off within a year or so.

I'm wondering about the best options...

I currently have an Amex Cashback and a NatWest Rewards card which are paid off monthly.

Is it likely to be best to get a purchases card and use that, or get a balance transfer card? Presumably getting the Cashback on the AMEX and then transferring to 0%?

Another possibility is getting my other half to get a card. Can we transfer from a card in my name to one in hers? She has cards on both my NatWest and AMEX accounts but no others.


I know it's very dependent on credit score but any idea what a typical "new account" limit would be on a good 0% deal? My NatWest and AMEX limits are £3.5k and £14k respectively and I have a good credit score.


Any tips much appreciated!

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Ended up with a Virgin Money card.

Credit limit offered was about £10k so more than enough.

Paid transaction on AMEX.
Zero fee balance transfer to the Virgin card.
0% for 2 years on that and 1% Cashback on the AMEX.

Seems to have worked out well.