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 |  | 0% Intro APR on Balance TransfersSave 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.
How to Choose a Credit Card with a 0% Introductory Balance Transfer APRYou 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.
  At American Express' Secure Site | | - Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
- $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
- 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
- Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- No annual fee.
- Terms Apply.
- See Rates & Fees
| | | | 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 Amex 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 Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% on purchases for 15 months | 0% on balance transfers for 15 months | 14.74% - 25.74% Variable | $0 |
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At American Express' Secure Site | | - $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- No annual fee.
- Terms Apply.
- See Rates & Fees
| | | | Our Review: If you want a cash back credit card with the same rewards categories year-round and no annual fee, then consider the Blue Cash Everyday® Card from American Express. Read on for the pros and cons... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% on Purchases for 15 months | 0% on Balance Transfers for 15 months | 14.74% - 25.74% Variable | $0 |
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At Chase's Secure Site | | - 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
- Unlimited 1.5% cash back on every purchase - it's automatic
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- No minimum to redeem for cash back
- Cash Back rewards do not expire as long as your account is open
- Free credit score, updated weekly with Credit Journey℠
- No annual fee
| | Our Review: With 1.5% cash back 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 | 16.74% - 25.49% 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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| 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* | 15.24% - 25.24%* (Variable) | $0* |
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At HSBC's Secure Site | | - 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.74%, 16.74% or 20.74% will apply.
- No Penalty APR.
- Late Fee Waiver.
- No Foreign Transaction Fees.
- $0 Annual Fee.
- $0 liability for unauthorized purchases.
- Terms Apply.
- See Terms
| | 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 12.74%, 16.74% or 20.74% will apply after the Introductory Period | $0 |
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| Citi Simplicity® Card offers a 0% introductory APR on balance transfers and purchases for 18 months. After that, a variable APR, currently 15.74% to 25.74% 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 18 months* | 0%* for 18 months* | 15.74% - 25.74%* (Variable) | $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 17.24%-26.74% 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 | 17.24% - 26.74% (Variable) | $0 |
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| BankAmericard® credit card offers a $0 introductory balance transfer fee for transfers made within the first 60 days of opening your account. After that, the balance transfer fee is 3% ($10 minimum). This card has a 0% intro APR for 15 months on purchases and balance transfers (made within 60 days of opening your account). After that, a variable APR of 14.74% - 24.74%. 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 balance transfers made in the first 60 days | 14.74% - 24.74% Variable APR on purchases and balance transfers | $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 16.74% to 25.49%. 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 | 16.74% - 25.49% Variable | $0 |
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At American Express' Secure Site | | - Earn up to $250 back. Here's how: Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
- Plus, earn an additional $100 statement credit after you spend an additional $6,500 in purchases within your first 12 months.
- Unlimited 1.5% Cash Back on your purchases.
- Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
- With Plan It℠, you can set up a monthly payment plan for large purchases with a fixed monthly fee and no interest charges, all with the same rewards and protections you expect from American Express.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- No Annual Fee.
- Terms Apply.
- See Rates & Fees
| | | | Our Review: American Express Cash Magnet™ Card gives you unlimited 1.5% cash back on your purchases with no annual fee. How does it stack up? Read on... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% on purchases for 15 months | 0% on balance transfers for 15 months | 14.74% - 25.74% 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 14.74% to 24.74%. 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 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 | 14.74% - 24.74% (Variable) | $0 |
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| Citi ThankYou® Preferred Card offers a 0% intro APR for 15 months on balance transfers and purchases. After that, a variable APR, currently 15.24% - 25.24%. This card earns 2x points on dining out and entertainment and 1x points on other purchases. There is no annual fee. | | | | 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 Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0%* for 15 months* | 0%* for 15 months* | 15.24% - 25.24%* (Variable) | $0* |
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At HSBC's Secure Site | | - Earn unlimited 1.5% cash rewards on all purchases.
- Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.
- 10% Anniversary Bonus on all Cash Rewards earned once a year.
- No Annual Fee.
- 0% Intro APR for 15 months on balance transfers, then a 14.74%, 18.74% or 24.74% variable APR.
- No Foreign Transaction Fees.
- $0 liability for unauthorized purchases.
- Terms Apply.
- See Rates & Fees
| | | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | 0% Intro APR for 15 months | Variable APR of 14.74%, 18.74% or 24.74% will be applied | $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 16.74-25.49%. The balance transfer fee is 5% of the amount transferred, $5 minimum.
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 | 16.74% - 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 | 13.74% - 24.74% 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 | 13.74% - 24.74% Variable | $0 |
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| Bank of America® Cash Rewards credit card offers $200 online cash rewards bonus if you spend at least $500 on purchases within the first 90 days of opening your account. This card earns 1% cash back on all purchases, 2% cash back at grocery stores and wholesale clubs, and 3% on gas (up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter). There is no annual fee. | | | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% Introductory APR on purchases for 12 billing cycles | 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days | 14.99% - 24.99% Variable APR on purchases and balance transfers | $0 |
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| Wells Fargo Cash Wise Visa® Card offers a $200 cash rewards bonus after you spend $1,000 within the first 3 months. This card earns 1.5% cash rewards on purchases. There is a 0% intro APR for 12 months on purchases and balance transfers. After that, a 15.74% - 26.74% 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 12 months | 0% for 12 months | 15.74% - 26.74% (Variable) | $0 |
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Disclaimer: The information for the Citi Diamond Preferred® Card, Citi® Double Cash Card, Citi Simplicity® Card, Wells Fargo Platinum Visa® Card, BankAmericard® credit card, Chase Slate, Capital One® Quicksilver® Cash Rewards Credit Card, Citi ThankYou® Preferred Card, Chase Freedom, Discover it® Cash Back, Discover it® chrome, Bank of America® Cash Rewards credit card, and Wells Fargo Cash Wise Visa® Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. You might also be interested inAmerican Express now offers promotions for new credit card applicants. But how do you pick which deal is right for you? Read this in-depth guide. The best credit cards for young adults have good rewards and benefits but low fees. Use this must-read guide to help narrow down your search. Applying for a card with a bonus or an introductory offer can be a great way to get a head start on earning rewards or to get a handle on your debt.
Articles on 0% Intro APR on Balance TransfersBy 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. 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 ... 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 ...
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