Compare 0% Introductory Balance Transfer APR credit cards. Find a promotional balance transfer deal on CreditDonkey.
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.
  At Chase's Secure Site | | - Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.24% - 23.99%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
| | Our Review: With an intro cash back offer and no annual fee, does Chase Freedom Unlimited® live up to the hype? Read this in-depth review to see how it stacks up... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 15 months | 0% for 15 months | 15.24% - 23.99% Variable | $0 |
|
At Chase's Secure Site | | - Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.24% - 23.99%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
| | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 15 months | 0% for 15 months | 15.24% - 23.99% Variable | $0 |
|
| Citi Diamond Preferred® Card offers a 0% intro APR on balance transfers for 21 months and a 0% intro APR on purchases for 12 months. After that, a variable APR, currently 14.49% to 24.49% depending on your creditworthiness. There is a 5% balance transfer fee ($5 minimum). There is no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0%* for 12 months* | 0%* for 21 months* | 14.49% - 24.49%* (Variable) | $0* |
|
| Citi Simplicity® Card offers a 0% intro APR on balance transfers for 21 months and 0% intro APR on purchases for 12 months. After that, a variable APR, currently 15.49% to 25.49% depending on your creditworthiness. There is a 5% balance transfer fee ($5 minimum). There are no late fees, no penalty rates and no annual fees. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0%* for 12 months* | 0%* for 21 months* | 15.49% - 25.49%* (Variable) | $0* |
|
| BankAmericard® credit card offers a 0% intro APR for 18 billing cycles on purchases and balance transfers (made within 60 days of opening your account). After that, a variable APR of 13.24% - 23.24%. There is a 3% balance transfer fee (min $10). There is no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% Introductory APR on purchases for 18 billing cycles | 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days | 13.24% - 23.24% Variable APR on purchases and balance transfers | $0 |
|
| Citi® Double Cash Card earn cash back twice on every purchase. You earn 1% cash back when you buy, and an additional 1% cash back as you pay for those purchases. There is no annual fee. | | Our Review: With no annual fee and the opportunity to earn cash back twice, the Citi Double Cash card beats out many cashback credit cards. But are there catches? Read on for the full details... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | 0%* for 18 months* | 14.74% - 24.74%* (Variable) | $0* |
|
| HSBC Gold Mastercard® credit card offers a 0% Intro APR on purchases and balance transfers for the first 18 months from Account opening. Then a variable APR of 13.99% - 22.99% will apply. There is no penalty APR, no foreign transaction fees and no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% Intro APR for 18 months | 0% Intro APR for 18 months | Variable APR of 13.99% - 22.99% will apply after the Introductory Period | $0 |
|
| Capital One VentureOne Rewards Credit Card offers a one-time bonus of 20,000 miles if you spend $500 on purchases within three months of account opening. 20,000 miles is equal to $200 in travel. This card earns 1.25 miles per dollar on all purchases. You can redeem miles toward travel purchases on any airline, hotel, or car rental. There is a 0% intro APR on purchases and balance transfers for 15 months. After that, a variable APR, currently 15.24% to 25.24%. There are no foreign transaction fees. There is no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% intro on purchases for 15 months | 0% intro on balance transfers for 15 months | 15.24% - 25.24% (Variable) | $0 |
|
| Bank of America® Customized Cash Rewards credit card offers $200 online cash rewards bonus if you spend at least $1,000 on purchases within the first 90 days of opening your account. This card earns 3% cash back in your choice category and 2% cash back at grocery stores and wholesale clubs (on up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn 1% on other purchases. There is no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% Introductory APR on purchases for 15 billing cycles | 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days | 14.24% - 24.24% Variable APR on purchases and balance transfers | $0 |
|
| Capital One Quicksilver Cash Rewards Credit Card offers $200 cash back if you spend $500 on purchases within three months of account opening. This card earns 1.5% cash back on all purchases. There is a 0% intro APR on purchases and balance transfers for 15 months. After that, a variable APR, currently 15.24% to 25.24%. There is no annual fee. | | Our Review: Capital One Quicksilver Cash Rewards Credit Card offers unlimited 1.5% cash back with no rotating bonus categories or annual fees. Read on to find out if it's worth having... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% intro on purchases for 15 months | 0% intro on balance transfers for 15 months | 15.24% - 25.24% (Variable) | $0 |
|
| Discover it® Cash Back will match all the cash back you've earned at the end of your first year. This offer is only for new customers. This card earns 5% cash back in bonus categories that change each quarter (up to the quarterly maximum; requires free activation each quarter). All other purchases earn 1% cash back. | | Our Review: With bonus cash back, low interest rate and no annual fee, Discover It is a good card for many. Is it right for you? Read on for the pros and cons... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 14 months | 0% for 14 months | 12.24% - 23.24% Variable | $0 |
|
| Discover it® chrome will match all the cash back you've earned at the end of your first year. This offer is only for new customers. This card earns 2% cash back at gas stations and restaurants (on up to $1k in combined purchases every quarter with no quarterly activation required). All other purchases earn 1%. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 14 months | 0% for 14 months | 12.24% - 23.24% Variable | $0 |
|
| HSBC Cash Rewards Mastercard® credit card offers an introductory 3% cash back on all purchases in the first 12 months from account opening, up to the first $10,000 in purchases. This card earns unlimited 1.5% cash back on all purchases. There is no foreign transaction fees and no annual fee.
Plus, enjoy a 0% intro APR for 12 months on purchases and balance transfers, then a 13.99% - 22.99% variable APR. | | | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% Intro APR for 12 months | 0% Intro APR for 12 months | Variable APR of 13.99% - 22.99% will apply after the Introductory Period | $0 |
|
Disclaimer: The information for the Citi Diamond Preferred® Card, Citi Simplicity® Card, BankAmericard® credit card, Citi® Double Cash Card, HSBC Gold Mastercard® credit card, Capital One VentureOne Rewards Credit Card, Bank of America® Customized Cash Rewards credit card, Capital One Quicksilver Cash Rewards Credit Card, Discover it® Cash Back, Discover it® chrome, and HSBC Cash Rewards Mastercard® credit card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.
