CreditDonkey is a credit card comparison and reviews website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†





0% Intro APR on Balance Transfers

0% Intro APR on Balance Transfers

Save money with an introductory 0% APR balance transfer credit cards from our partners
Compare 0% Introductory Balance Transfer APR credit cards. Find a promotional balance transfer deal on CreditDonkey.

Read more about: Balance Transfer, 0% Intro APR
How to Pay Off Credit Cards

How to Pay Off Credit Cards


10 Smart Ways to Get Out of Debt


Save Money on Credit Card Debt


Share this on Facebook Tweet this

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:

© CreditDonkey

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

  • 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.

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

If you plan to carry a balance and the promotional balance transfer offer you are considering does not have a similar promotional APR (including promotional period) on purchases, you may want to avoid using that credit card for new purchases. Promotional interest rate offers may cause you to lose the grace period on purchases if you do not pay the entire statement balance (including the amount subject to the introductory APR) by the payment due date. If you plan to carry a balance, check the credit card issuer's terms to find out about the effects of the promotional APR offers on the grace period for new purchases.

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


American Express Blue Business Cash Card
Apply for American Express Blue Business Cash Card
At American Express' Secure Site
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power§.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.99%, 17.99%, or 20.99%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
Cash Back Rewards$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on purchases for 12 months
0% on balance transfers for 12 months
14.99% - 20.99% Variable
No annual fee


Read Review
Introductory Bonus Cash BackCash 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 U.S. Bank Business Cash Rewards World Elite™ Mastercard®... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 15 billing cycles*
0%* for 15 billing cycles*
14.24% - 25.24%* (Variable)
$0*


$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 12 billing cycles*
0%* for 12 billing cycles*
12.24% - 20.24%* (Variable)
$0*

The Blue Business Plus Credit Card from American Express
Read ReviewApply for The Blue Business Plus Credit Card from American Express
At American Express' Secure Site
  • Get rewarded for business as usual. Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That's everyday business with the Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.99%, 17.99% or 20.99%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Terms Apply
  • See Rates & Fees
Point Rewards$0 Fraud Liability
Our Review: Is the Blue Business® Plus Credit Card from American Express worth it? Keep reading to find out what makes this Amex credit card a right pick for freelancers and growing businesses... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
14.99% - 20.99% Variable
No annual fee

Disclaimer: The information for the U.S. Bank Business Cash Rewards World Elite™ MasterCard® and U.S. Bank Business Platinum has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


Articles on 0% Intro APR on Balance Transfers

    Dig Yourself Out of Debt

    Get Me Out of Debt

    By Kelly Teh - Tips
    Finding yourself deep in debt can be a discouraging reality. And in the past several years, more and more consumers have found themselves in this situation.
    Infographics: Balance Transfer Game

    Balance Transfer Game

    By Kelly Teh - Tips
    Balance transfers are becoming an increasingly popular way to reign in high interest rates. However, reducing outstanding debt is not always as easy as switching cards. We've put together ground rules every consumer should know before they ...

    Discover it vs Citi Simplicity

    December 1, 2014 - By Sarah Johnson - Reviews
    When you're looking for a card that will give you a lengthy period of time to pay off your credit card balances without having to pay interest, both the Discover It and Citi Simplicity are attractive options. These cards give you an introductory ...

You might also be interested in

How Do Balance Transfers Work

A balance transfer lets you consolidate your debt while saving money on interest. Here's everything you need to know about how they work and whether they're right for you.

About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.