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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.

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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:

  • 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%.

Featured 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 cashback 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.

US Bank Platinum Visa 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% - 20.99%. 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.

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.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.


Discover it
Read ReviewApply for Discover it
At Discover's Secure Site
  • 0% intro APR on balance transfers for 18 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Exclusive offer: Double all the cash back you've earned at the end of your 1st year-automatically.*
  • 5% cash back in categories that change each quarter like gas, restaurants and more-up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking "Apply."
Introductory Bonus Cash BackCash 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

U.S. Bank Visa Platinum Card
Read ReviewApply for U.S. Bank Visa Platinum Card
At U.S. Bank's Secure Site
  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-20.99%
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • Zero 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 keep your account safe
  • Chip technology for enhanced card security
  • Online banking and mobile apps* for your smartphone or tablet provide complete, 24/7 access to your account
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 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 billing cycles*
0% for 15 billing cycles*
9.99% - 20.99%* (Variable)
$0*

The Amex EveryDay Credit Card from American Express
Read ReviewApply for The Amex EveryDay Credit Card from American Express
At American Express' Secure Site
  • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
Introductory Bonus Reward PointsPoint RewardsBonus Reward PointsGrocery Rewards
Our Review: If you tend to charge at least 20 purchases a month on your credit card, you may want to consider switching to the EveryDay Credit Card from American Express. Read on for the reasons why the rewards credit card may be a good addition to your wallet... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
12.99% - 21.99% Variable
$0

Blue Cash Everyday Card from American Express
Read ReviewApply for Blue Cash Everyday Card from American Express
At American Express' Secure Site
  • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsEventsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection Travel Accident Insurance
Our Review: If you want a cash back credit card with the same rewards categories year-round, then consider the Blue Cash Everyday Card. This credit card with no annual fee also offers $100 back after you spend $1,000 on purchases on your new card in your first 3 months. Read on for the pros and cons... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
12.99% - 21.99% Variable
$0

Chase Slate
Read ReviewApply for Chase Slate
At Chase's Secure Site
  • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days.
  • 0% Introductory APR for 15 months on purchases and balance transfers.
  • New Free Monthly FICO® Score and Credit Dashboard
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
Our Review: If you have credit card debt and excellent/good credit, the Chase Slate can help provide you with a valuable break from high interest rates. This credit card offers a generous $0 balance transfer fee introductory offer and a 15 months 0% APR intro period on balance transfers and purchases. Afterwards, a variable APR of 12.99%, 17.99%, or 22.99%. Chase Slate 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%, or 22.99% Variable
$0

Chase Freedom
Read ReviewApply for Chase Freedom
At Chase's Secure Site
  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on 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%
  • Unlimited 1% Cash Back on every purchase
  • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
  • 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!
  • No annual fee and rewards never expire as long as your account is open
Our Review: Want to earn cash back and score a good deal? With its $100 bonus offer, rotating 5% cash back categories, and 0% intro APR on purchases and balance transfers for 15 months, this card might be the one for you. Read this Chase Freedom review to see why it is one of the most popular cashback credit cards with no annual fee... 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

Discover it Chrome
Read ReviewApply for Discover it Chrome
At Discover's Secure Site
  • 0% intro APR on purchases & balance transfers for 12 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Exclusive offer: Double all the cash back you've earned at the end of your 1st year-automatically.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter-no sign-ups needed.* 1% cash back on all your other purchases.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking "Apply."
Introductory Bonus Cash BackCash Back RewardsGas RewardsNo Expiration on RewardsDining RewardsCar Rental Insurance$0 Fraud Liability
Our Review: Do you eat out and drive a lot? If you want cash back rewards without having to think too much, the Discover It Chrome could be the right fit for you... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
10.99% - 22.99% Variable*
$0

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How to Choose a Balance Transfer Credit Card

Here are three factors to keep in mind when choosing the right balance transfer credit card for your wallet:

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