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:
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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%.
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.
 | 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 14.74% to 24.74% 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. | | Our Review: Do you have existing debt? The Citi Simplicity is a great way to pay if off faster with a generous intro APR offer. Find out if it's right for you and how it compares with other balance transfer cards... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0%* for 12 months* | 0%* for 21 months* | 14.74% - 24.74%* (Variable) | $0* |
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| 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 14.74% to 24.74% depending on your creditworthiness. There is a 5% balance transfer fee ($5 minimum). There is no annual fee. | | Our Review: With its 21 month introductory APR on balance transfers, the Citi Diamond Preferred Card is a great pick for people who have existing credit card debt... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0%* for 12 months* | 0%* for 21 months* | 14.74% - 24.74%* (Variable) | $0* |
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| 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 12.99% - 22.99%. 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 | 12.99% - 22.99% Variable APR on purchases and balance transfers | $0 |
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| 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* | 13.99% - 23.99%* (Variable) | $0* |
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| 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 |
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| Wells Fargo Platinum Visa card offers 0% intro APR for 18 months on purchases and balance transfers. After that, a 16.49%-24.49% variable APR. Balance transfer fees apply. There is a $0 annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 18 months | 0% for 18 months on qualifying balance transfers | 16.49% - 24.49% (Variable) | $0 |
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| Chase Slate offers a $0 intro balance transfer fee for the first 60 days your account is open. After that, the fee for future transactions is 5% of the amount transferred with a minimum of $5. This card has a 0% introductory APR for 15 months on purchases and balance transfers. After that, a variable APR, currently 14.99% to 23.74%. Plus, you can see your monthly FICO Score for free. There is a $0 annual fee. | | 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 Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 15 months | 0% for 15 months | 14.99% - 23.74% Variable | $0 |
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| Bank of America® 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 | 13.99% - 23.99% Variable APR on purchases and balance transfers | $0 |
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| Wells Fargo Cash Wise Visa® card offers a $150 cash rewards bonus after you spend $500 within the first 3 months. This card earns 1.5% cash rewards on purchases. There is a 0% intro APR for 15 months on purchases and balance transfers. After that, a 14.49% - 24.99% variable APR. Balance transfer fees apply. There is a $0 annual fee. | | Our Review: Wells Fargo Cash Wise cash back card gives you rewards on all purchases. But there are some restrictions. Is it worth the hype? Read this review to find out... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 15 months | 0% for 15 months on qualifying balance transfers | 14.49% - 24.99% (Variable) | $0 |
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| Chase Freedom lets you earn a $150 bonus after spending $500 on purchases in your first 3 months from account opening. There is a 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99-23.74%. There is a 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
This is the fun part: You can earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases. The cash back rewards do not expire as long as your card account remains open. There is no annual fee. | | Our Review: Chase Freedom is one of the best credit cards for cash back, if used the right way. If not, there are drawbacks. Read on for the pros and cons to determine if this card is right for you... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 15 months | 0% for 15 months | 14.99% - 23.74% Variable | $0 |
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| Capital One® Quicksilver® Cash Rewards Credit Card offers a one-time bonus of $150 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 15.49% to 25.49%. There is a 3% balance transfer fee on the amounts transferred within the first 15 months. 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 | 15.49% - 25.49% (Variable) | $0 |
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| 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 | 11.99% - 22.99% Variable | $0 |
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| 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%. | | | | 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 Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 14 months | 0% for 14 months | 11.99% - 22.99% Variable | $0 |
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| Wells Fargo Propel American Express® card offers 20,000 bonus points after you spend $1,000 within the first 3 months. This card earns 3x points on eating out and ordering in; 3x points on gas stations, rideshares and transit; 3x points on travel including flights, hotels, homestays and car rentals. Earn 1x points on other purchases. There is a 0% intro APR for 12 months on purchases and balance transfers. After that, a 14.49%-24.99% variable APR. Balance transfer fees apply. There is a $0 annual fee. | | Our Review: Wells Fargo Propel American Express® Card offers a large bonus promotion, 3x bonus categories, and has no annual fee. Does it live up to the hype? 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 12 months | 0% for 12 months on qualifying balance transfers | 14.49% - 24.99% (Variable) | $0 |
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| 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. | | | | Our Review: With an unlimited 1.5% cash back, the HSBC Cash Rewards Mastercard is a catchy cash back card. Is it right for you? Read this in-depth review before you apply... Read full review | | 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 |
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