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0% Intro APR on Balance Transfers

0% Intro APR on Balance Transfers

Save money with 0% intro APR balance transfer credit cards
Compare top 0% Introductory Balance Transfer APR credit cards, and get the best deals for your next balance transfer.

Read more about: Balance Transfer, 0% Intro APR

How to Choose a Credit Card with a 0% Introductory Balance Transfer APR

You have an existing credit card balance and know that an introductory 0% APR balance transfer could save you money. But which one do you pick? Here are three key factors to consider:

Length of Intro Period: Check the length of the introductory period and compare the post-introductory APRs. If you can pay off the balance before the introductory period expires, great! Otherwise, the new card might become more costly than the old card.

Card Issuer: Most credit card companies/issuers will only accept balance transfers from cards issued by a different company.

Balance Transfer Fee: Even with a 0% intro APR, you might be charged a one-time balance transfer fee for each transfer, typically ranging from 3% to 4%.

Best Offers - Introductory 0% Interest on Balance Transfers

Chase Slate Want a $0 balance transfer fee introductory offer? Chase Slate® has a $0 introductory balance transfer fee for transfers made within the first 60 days of opening the account. The card offers 0% intro APR for 15 months on purchases and balance transfers. After that, the variable APR will be 12.99%, 17.99%, or 22.99% depending on your creditworthiness. There is no annual fee.

Discover it Want a long intro period and cash back rewards? Discover it™ - 18 Month Balance Transfer offers 0% intro APR on balance transfers for 18 months and 1% cash back on purchases. After the introductory period for balance transfers, the balance transfer APR will be a variable rate, currently 10.99% - 22.99%, depending on your creditworthiness. The card has a 3% balance transfer fee. There is no annual fee.

Citi Simplicity Card Want an introductory APR on balance transfers AND purchases for 18 months, no late fees, no penalty rate, and no annual fee? Citi Simplicity® Card offers 0% intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% depending on your creditworthiness. The card has a balance transfer fee of either 3% of the amount of each transfer or $5, whichever is greater. There is no annual fee.

U.S. Bank Visa Platinum Card Want a low regular APR? U.S. Bank Visa® Platinum Card offers 0% intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99% - 23.99%. The card has an introductory balance transfer fee of 3% of each transfer amount ($5 minimum) for balances transferred within the first 30 days of account opening. After that, the balance transfer fee is either 4% of the amount of each transfer or $5 minimum, whichever is greater. There is no annual fee.

For more insight, read our guide on the Balance Transfer Game and What You Should Know

Disclaimer: This content is not provided or commissioned by the company whose products are featured on this site. Any opinions, analyses, reviews or evaluations provided here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: Discover is a paid advertiser of CreditDonkey.


Discover it
Read ReviewApply for Discover it
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
Cash Back RewardsBonus Cash BackNo Limits on RewardsExtended WarrantyPurchase ProtectionReturn Protection$0 Fraud Liability
Our Review: A generous cash back and 18-month balance transfer offer makes the Discover It Card the go-to card to keep more money in your pocket. When you consider the rewards, low fees, and good customer service, it’s pretty easy to see why Discover It is one of the most popular cash back credit cards available... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 6 months
0% for 18 months
10.99% - 22.99% Variable*
$0

Citi Diamond Preferred Card
Read ReviewApply for Citi Diamond Preferred Card
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card.
  • Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
ConciergeEventsCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage InsuranceTravel Accident Insurance$0 Fraud LiabilityEmergency Assistance
Our Review: With its 18-month 0% APR on purchases and balance transfers, the Citi Diamond Preferred Card is a great pick for people who carry a balance. While this card does offer a few other benefits, such as a concierge service and price protection, its main attraction is its introductory APR... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 18 months*
0%* for 18 months*
11.99% - 21.99%* (Variable)
$0*

Citi Simplicity Card
Read ReviewApply for Citi Simplicity Card
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Car Rental InsuranceExtended Warranty$0 Fraud LiabilityIdentity Theft Assistance
Our Review: By not charging for late payments, the Citi Simplicity Card gives cardholders some breathing room when it comes to managing their credit. Plus, with an 18-month 0% introductory APR on purchases and balance transfers, this card is a smart pick for people who carry a balance. In exchange for this flexibility, the Citi Simplicity Card does not have a rewards program... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 18 months*
0%* for 18 months*
12.99% - 21.99%* (Variable)
$0*

U.S. Bank Visa Platinum Card
Read ReviewApply for U.S. Bank Visa Platinum Card
  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts
Car Rental Insurance$0 Fraud Liability
Our Review: With free access to your monthly credit score and no annual fee, the US Bank Platinum Visa Card is a good choice for those who plan to carry a balance. The lack of rewards makes it less than ideal for those who don't carry a balance. However, if you’re paying down some debt, the 0% intro APR and low regular APR make this card the way to go... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months
9.99% - 23.99%* (Variable)
$0*

U.S. Bank FlexPerks Business Cash Rewards Visa Card
Read ReviewApply for U.S. Bank FlexPerks Business Cash Rewards Visa Card
  • 0% Intro APR* for 15 billing cycles on purchases and balance transfers
  • Earn 3% cash rewards on cellular, gas and purchases made at office supply stores and 1% on all other purchases
  • 25% annual bonus of your prior year's cash rewards up to $250
  • No cap on the cash rewards you can earn and they never expire
  • $0* annual fee if you make one purchase per year, otherwise $25*
Cash Back RewardsBonus Cash BackGas RewardsOffice RewardsNo Expiration on RewardsNo Limits on Rewards
Our Review: Earn rewards on purchases in common business categories such as cellular, gas, and at office supply stores with the US Bank FlexPerks Business Cash Rewards Card. Provided you make at least one purchase per year on the card, there is no annual fee... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months
11.99% - 17.99%* (Variable)
$0 annual fee if you make one purchase per year, otherwise $25

Chase Slate
Read ReviewApply for Chase Slate
  • Pay less interest. Save on balances and new purchases
  • $0 balance transfer fee - introductory offer!
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • $0 Annual Fee
Our Review: If you have credit card debt and excellent credit, the Chase Slate credit card can help provide you with a valuable break from high interest rates. This card offers a generous $0 balance transfer fee introductory offer and a long 15 months 0% APR intro period on balance transfers and purchases. The Chase Slate card does not offer a rewards program, however, so if you want to collect cash back or travel rewards, you may be better off with another card... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months
12.99%, 17.99%, 22.99% (V)
$0

Chase Freedom
Read ReviewApply for Chase Freedom
  • Earn a $100 Bonus after you make $500 in purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99%-22.99%.
  • 5% Cash Back on up to $1,500 in combined purchases between April 1 and June 30, 2014 at restaurants and Lowe's® home improvement stores
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire
Our Review: With its sign-up bonus, rotating 5% cash back categories, and 0% introductory APR for 15 months on purchases and balance transfers, the Chase Freedom card is one of the most popular no-annual-fee rewards cards on the market. Because this card lets cardholders earn cash back in so many different ways, it fits a wide range of lifestyles... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months
13.99% - 22.99% (Variable)
$0

Citi Dividend Platinum Select Visa Card
Read ReviewApply for Citi Dividend Platinum Select Visa Card
  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
Introductory Bonus Cash BackCash Back RewardsBonus Cash BackCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage InsuranceTravel Accident Insurance$0 Fraud Liability Identity Theft Assistance
Our Review: If you’re looking for a cash back card with a 0% introductory APR and no annual fee, you should consider the Citi Dividend Platinum Select Visa Card. This card also offers rotating cash back bonus categories and a sign-up bonus. But big spenders beware: the annual $300 cash back limit might put a damper on your earnings... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 12 months*
0%* for 12 months*
12.99% - 22.99%* (Variable)
$0*

Citi ThankYou Preferred Card - Earn 20,000 Bonus Points
Read ReviewApply for Citi ThankYou Preferred Card - Earn 20,000 Bonus Points
  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening - redeemable for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment. 1 ThankYou Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Introductory Bonus Reward PointsPoint RewardsDining RewardsNo Expiration on RewardsNo Limits on Rewards$0 Fraud Liability
Our Review: If you want a rewards card with bonus points, but don't want to worry about rotating bonus categories, the Citi ThankYou Preferred Card might be a good fit for you. With a generous bonus point offer, this card helps you earn rewards without an annual fee... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 12 months*
0%* for 12 months*
12.99% - 22.99%* (Variable)
$0*

Ink Cash Business Card
Read ReviewApply for Ink Cash Business Card
  • Earn $200 bonus cash back after you spend $3,000 in the first 3 months from account opening.
  • 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services.
  • 2% cash back on the first $25,000 spent annually at gas stations and restaurants.
  • 1% cash back on all other card purchases with no limit to the amount you can earn.
  • 0% introductory APR for 12 months on purchases and balance transfers.
  • No annual fee
Our Review: With no annual fee, the Ink Cash Business Card helps small business owners earn cash rewards fast thanks to an introductory cash back offer. Bonus rewards categories and an introductory 0% APR on balance transfers and purchases for 12 months to sweeten the deal even more. The Ink Cash Business Card by Chase is a great bet for small businesses that plan on using their card within the US and want the simplicity of cash rewards... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
13.24% (Variable)
$0

Barclaycard Arrival World MasterCard - Earn 1x on All Purchases
Read ReviewApply for Barclaycard Arrival World MasterCard - Earn 1x on All Purchases
  • Start by earning 20,000 bonus miles when you make $1,000 or more in purchases in the first 90 days from account opening. 20,000 bonus miles equates to $200 off your next trip!
  • 0% intro APR on balance transfers and purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
  • Earn 2X miles on travel and dining purchases,1X miles on all other purchases, and no mileage caps or foreign transaction fees
  • Get 10% miles back when you redeem for travel (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
  • Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
  • Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
  • Complimentary one year subscription of TripIt Pro mobile travel organizer - a $49 value
  • Complimentary FICO® Scores as a benefit to active card members. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
Introductory Bonus Airline RewardsAirline RewardsTravel RewardsDining RewardsNo Limits on RewardsTravel Accident InsuranceEmergency Assistance
Our Review: If you like to travel, you can earn 2X miles on travel and dining purchases and 1X miles on all other purchases with the Barclaycard Arrival World MasterCard. Every time you buy something on this card, you earn miles. These miles are good for statement credits toward flights, hotels, car rentals, and cruises. This program is especially generous when you consider that this card does not have an annual fee... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
14.99% or 18.99%* (Variable)
$0

Disclaimer: This content is not provided or commissioned by the company whose products are featured on this site. Any opinions, analyses, reviews or evaluations provided here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: Discover is a paid advertiser of CreditDonkey.


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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.