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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:

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  • 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

US Bank Platinum Visa
Apply for 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 10.24% - 21.24%. The card has a balance transfer fee of 3% of each transfer ($5 minimum). There is no annual fee.

Tip: 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.

Editorial Note: This content is not provided by U.S. Bank. 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 U.S. Bank. This site may be compensated through the Advertiser's affiliate programs.


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 13.24% to 22.24%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
  • See Rates & Fees
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
13.24% - 22.24% 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.
  • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
  • With the Blue Cash Everyday® Card, you can start earning cash back. No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 13.24% to 22.24%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.
  • See Rates & Fees
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
13.24% - 22.24% Variable
$0

Chase Freedom
Read ReviewApply for Chase Freedom
At Chase's Secure Site
  • Earn a $150 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 14.24-23.24%
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories every 3 months like Gas Stations, Restaurants, and Select Grocery Stores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards never expire as long as your account is open
  • No annual fee
Our Review: If you want to earn cash back, you may consider the Chase Freedom. But wait. Read on to learn why this rewards credit card could be good for you — and why it has potential drawbacks... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% Intro APR for 15 Months
0% Intro APR for 15 Months
14.24% - 23.24% Variable
$0


Read Review
Our Review: With its 21-month introductory 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, its main attraction is its introductory APR... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 21 months*
0%* for 21 months*
12.24% - 22.24%* (Variable)
$0*


Read Review
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 21-month 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 21 months*
0%* for 21 months*
13.24% - 23.24%* (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 10.24%-21.24%*
  • 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: If you're planning a big purchase or you're carrying a balance on a credit card with a ridiculously high interest rate, shopping around for a 0% APR promotional deal should be at the top of your to-do list... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 billing cycles*
0% for 15 billing cycles*
10.24% - 21.24%* (Variable)
$0*


Read Review
Our Review: If you have credit card debt, Chase Slate's no balance transfer fee promotion and introductory APR offer is tempting. But is there a catch? Read this review before transferring your balance... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% Intro APR for 15 Months
0% Intro APR for 15 Months
13.24% - 23.24% Variable
$0


Read Review
Cash Back Rewards
Our Review: With no annual fee and the opportunity to earn cash back twice, the Citi Double Cash card takes rewards a step further than many cards in this category. You'll get 1% cash back on purchases plus ANOTHER 1% cash back as you make payments for those purchases, whether in full or installments... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 15 months*
0%* for 15 months*
13.24% - 23.24%* (Variable)
$0*


Read Review
Introductory Bonus Cash BackCash Back RewardsBonus Cash BackNo Limits on RewardsExtended WarrantyPurchase ProtectionReturn Protection$0 Fraud Liability
Our Review: A generous cash back and promotional low interest 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 12 months
0% for 12 months
11.24% - 23.24% Variable*
$0


Read Review
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
11.24% - 23.24% Variable*
$0


Read Review
Introductory Bonus Reward PointsPoint RewardsDining Rewards
Our Review: If you’re looking for a simple rewards card with a straightforward points structure the Citi ThankYou Preferred Rewards card might be a good fit for you. There are no complicated rotating “bonus reward” categories, no expiration dates on points earned, and no annual fee -- purchases will earn you 1 point for each dollar you spend with the exception of dining and entertainment purchases which earn double points... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 12 months*
0%* for 12 months*
13.24% - 23.24%* (Variable)
$0*

Barclaycard Arrival World MasterCard
Read ReviewApply for Barclaycard Arrival World MasterCard
At Barclaycard's Secure Site
  • Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
  • Earn 2X miles on travel & dining and 1X miles on all other purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 16.24%, 20.24% or 24.24%, depending on your creditworthiness.
  • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
Introductory Bonus Airline RewardsAirline RewardsHotel RewardsTravel RewardsCar Rental RewardsNo Limits on RewardsDining RewardsTravel Accident InsuranceEmergency Assistance
Our Review: Is this the best travel rewards credit card with no annual fee? Read on for the pros and cons to the Barclaycard Arrival... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/A
0% for 12 months (must be completed within first forty-five days of account opening)
16.24%, 20.24% or 24.24%* Variable
$0

Disclaimer: The information for the Citi Diamond Preferred® Card, Citi Simplicity® Card, Chase Slate®, Citi® Double Cash Card, Discover it®, Discover it® Chrome, and Citi ThankYou® Preferred Card have been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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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.