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Balance Transfer Cards and 0% APR on Purchases, Intro Rates
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Take advantage of 0% introductory APR's on purchases and balance transfers for as long as 12 months. If you are carrying an interest-bearing balance, you can consider transferring the balance to a 0% Introductory offer card. Our 0% credit cards category lists a wide range of balance transfer cards, and many also offer cash back, rebates, reward points, and high credit limits for qualified applicants.
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0% APR on Balance Transfers & Purchases
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Discover® MoreSM Card
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- 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
- Up to 1% Cashback Bonus® on all other purchases automatically
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus® Partners
- 0%* Intro APR for 6 months on Purchases, and up to 12 months on Balance Transfers*
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0%* for 6 months* |
0% for up to 12 months* |
11.99%* |
None* |
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Citi® Platinum Select® MasterCard®
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| 0% APR* on balance transfers and purchases for up to 12 months |
- Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more.
- Citi® Identity Theft Solutions
- $0 liability on unauthorized purchases
- Secure, free online account management
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0%* for up to 12 mo. |
0%* for up to 12 mo. |
11.99% (V)* |
None |
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Discover® MoreSM Card - American Flag
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- 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
- Up to 1% Cashback Bonus® on all other purchases automatically
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus® Partners
- 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0% for 6 mo.* |
0% for 6 mo.* |
11.99%* |
None* |
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
0% for 6 mo.* |
14.24% |
$69 Waived First Year |
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Priceline Rewards Visa® Card
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- Earning points: Earn points every time you use your priceline rewards Visa card.
- Redeeming points: Use your points to pay for anything you buy with your card ($25 minimum).
- Variable redemption multiplier: Your points go farther when you redeem them on priceline purchases.
- Points categories: Earn double, triple, or even quadruple points on eligible priceline purchases. Earn double points in the everyday spend rewards category of your choice.
- One-time sign-on statement instant credit: You will receive $50 cash back on this purchase. Your new priceline rewards Visa card will be mailed to you shortly and your first statement will show a $50 credit.
- Program overview: As a member of the priceline rewards program, you earn points each time you use your priceline rewards Visa card. You can use points to pay for anything you buy with your priceline card ($25 minimum). Remember… you earn double, triple, or even quadruple points on eligible priceline purchases. And your points go farther when you redeem them on priceline purchases.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
0% for 9 mo.* |
13.24% |
$29 |
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PartnersFirst Cash Back Visa® Credit Card
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- Get a $50 statement credit, when you spend $100 on purchases within 60 days on the card.*
- Earn 1% cash back on every purchase and customize your card with your favorite photo!
*Terms of Offer: In order to qualify, you must be approved and make qualifying purchases totaling $100 within the first 60 days of account open date. Offer valid for new cardholders through this promotion only. Not valid for existing PartnersFirst Rewards cardholders. This promotion is offered and administered by PartnersFirst. Offer to apply expires March 5, 2010. |
| Intro Purchase APR |
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APR |
Annual Fee |
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None |
0%* for 6 mo.* |
16.24% (V) |
None |
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Discover® MoreSM Card — Wild Life Collection
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- 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
- Up to 1% Cashback Bonus® on all other purchases automatically
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus® Partners
- 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0% for 6 mo.* |
0% for 6 mo.* |
11.99%* |
None* |
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Discover® MoreSM Card - Clear
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- 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
- Up to 1% Cashback Bonus® on all other purchases automatically
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus® Partners
- 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0% for 6 mo.* |
0% for 6 mo.* |
11.99%* |
None* |
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Discover® MotivaSM Card
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| Cash Rewards for your good credit management |
- Get a Pay-On-Time BonusSM equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year
- Up to 1% Cashback Bonus® on all other purchases
- 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus® Partners
- 3.99% Intro APR for 6 months on purchases, and 12 months on balance transfers*
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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3.99% for 6 mo.* |
3.99% for 12 mo.* |
11.99%* |
None* |
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Discover® MoreSM Card — Sealife Collection
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- 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
- Up to 1% Cashback Bonus® on all other purchases automatically
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus® Partners
- 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0% for 6 mo.* |
0% for 6 mo.* |
11.99%* |
None* |
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TrueEarnings(R) Card from Costco and American Express
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- Earn cash back on gas and a $25 statement credit with your first purchase made with the Card.
- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- No Annual Fee with your paid Costco Membership
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- No Limit on the Cash Back earned
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| Intro Purchase APR |
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APR |
Annual Fee |
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See Terms* |
See Terms* |
15.24% |
See Terms* |
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Wisdom Financial Services Rewards Visa® Credit Card
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- Earn Double Points on every purchase at "Big Box" Home Improvement Stores!
- Earn 1% cash back on every purchase
- Or, choose airline travel with no blackout dates, merchandise, gift cards and more.
- Save with an introductory 0%* Annual Percentage Rate (APR) for Balance Transfers for for 6 months* and then the standard APR for purchases applies*
- No Annual Fee
- Total fraud protection
- 24/7 customer service
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| Intro Purchase APR |
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APR |
Annual Fee |
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None |
0%* for 6 mo.* |
16.24% (V) |
None |
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Priceline Rewards Visa® Card
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- Earning points: Earn points every time you use your priceline rewards Visa card.
- Redeeming points: Use your points to pay for anything you buy with your card ($25 minimum).
- Variable redemption multiplier: Your points go farther when you redeem them on priceline purchases.
- Points categories: Earn double, triple, or even quadruple points on eligible priceline purchases. Earn double points in the everyday spend rewards category of your choice.
- One-time sign-on statement instant credit: You will receive $50 cash back on this purchase. Your new priceline rewards Visa card will be mailed to you shortly and your first statement will show a $50 credit.
- Program overview: As a member of the priceline rewards program, you earn points each time you use your priceline rewards Visa card. You can use points to pay for anything you buy with your priceline card ($25 minimum). Remember… you earn double, triple, or even quadruple points on eligible priceline purchases. And your points go farther when you redeem them on priceline purchases.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
0% for 9 mo.* |
13.24% |
None |
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Blue from American Express(R)
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- 0% Intro APR for 6 months on purchases
- No Annual Fee
- Earn Membership Rewards(R) points for your everyday purchases, and enjoy fast and easy ways to earn and redeem so you can get the rewards you want now
- Express Approval. Get a decision in less than 60 seconds.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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See Terms* |
See Terms* |
15.24% |
None |
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Blue Cash(R) from American Express
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- When you shop with Blue Cash, you can earn up to 5% cash back on every eligible purchase
- No Annual Fee
- 0% Intro APR for 6 months on purchases
- Express Approval. Get a decision in less than 60 seconds.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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See Terms* |
See Terms* |
17.24% |
None |
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Save Money with 0% Balance Transfer Cards
Getting a 0% balance transfer card that doesn’t charge any interest during the introductory period can boost your finances in several important ways:
No interest credit cards allow you to consolidate high-interest debt. You can use money from 0 balance transfer cards to pay off debts from higher interest cards. Some credit card applications may also have special offers of low interest rates on balance transfers made with the application.
No interest credit cards can give your budget a cash infusion. If you have unusually high expenditures or need extra cash, a 0 APR credit card can help tide you over until your income catches up. Many 0 interest credit cards will even transfer money directly to your bank account or send you a check.
No interest credit cards can help you make purchases earlier. A 0 APR credit card gives you the option to make large purchases earlier than you otherwise could.
Many 0 APR credit cards also offer low interest, cash back, rewards, or frequent flyer miles. Each major section of our site also features business credit cards that offer benefits pertinent to that category.
Getting the Most Out of 0% Balance Transfer Cards
To get the most out of your 0 APR credit card, read the terms and conditions carefully before you sign up. For all balance transfer cards, the 0% introductory rate will expire after a designated period. Make sure you know exactly when that period ends by reading the terms of the balance transfer, so you don't get hit unexpectedly with a high interest rate that will undermine your savings.
Also be sure you are aware of what the transaction fee is for each balance transfer. In some cases there is no fee, and that will be indicated in the card benefits or terms and conditions. Otherwise it is usually capped at $50 - $75 per transfer. Many credit cards consider convenience checks as balance transfers, but the money can go into your checking account instead of paying off another credit card. Again, make sure you are aware of the 0% interest period for the convenience checks and the transfer fee.
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