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Balance Transfer Cards and 0% APR on Purchases, Intro Rates

0% intro APR

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.

0% APR on Balance Transfers & Purchases

Click Here! Apply Here
Discover® MoreSM Card - American Flag
  • 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
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0% for 6 mo.* 0% for 12 mo.* 11.99%* None*
Click Here! Apply Here
Discover® MotivaSM Card
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*
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
3.99% for 6 mo.* 3.99% for 12 mo.* 11.99%* None*
Click Here! Apply Here
FREE SPIRIT™ Onyx World MasterCard®
  • Get 15,000 bonus miles after your first purchase - which is enough for 3 FREE roundtrip off-peak award tickets
  • Get up to 10,000 additional miles for balance transfers made in the first 60 days after account opening
  • Annual fee waived for the first year
  • Get complimentary $9 Fare Club membership (a $39.95 value!)
  • Priority boarding and domestic priority check-in
  • Earn 3 miles for every $1 spent on Spirit and 1 mile for every $1 spent anywhere else
  • Your miles never expire and more
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None 0% for 6 mo.* 14.24% $69 Waived First Year
Click Here! Apply Here
Discover® MoreSM Card
  • 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
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0%* for 6 mo.* 0% for 6 mo.* 11.99%* None*
Click Here! Apply Here
Citi® Platinum Select® MasterCard®
0% APR* on balance transfers and purchases for up to 6 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
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0%* for up to 6 mo. 0%* for up to 6 mo. 11.99% (V)* None
Click Here! Apply Here
PartnersFirst Cash Back Visa® Credit Card
  • Get a $25 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 November 30, 2009.
Intro Purchase APR
Intro Balance Trans. APR
APR Annual Fee
None 0% for 6 mo.* 16.24% None
Click Here! Apply Here
Discover® MoreSM Card - Clear
  • 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
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0% for 6 mo.* 0% for 6 mo.* 11.99%* None*
Click Here! Apply Here
Visa Black Card
  • Limited membership
  • 24-hour concierge service
  • Exclusive rewards program
  • Luxury gifts
  • Patent pending carbon graphite
  • Annual fee $495
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None 0% for 6* mo. 13.24% $495

0% APR on Purchases

Click Here! Apply Here
TrueEarnings(R) Card from Costco and American Express
  • 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
Intro Purchase APR
Intro Balance Trans. APR
APR Annual Fee
See Terms* See Terms* 15.24% See Terms*

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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