CARDS BY CATEGORYCARDS BY CREDITCARDS BY ISSUERNews & Tools 
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Balance Transfer Credit Cards
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Take advantage of 0% introductory APR's on 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 balance transfer credit cards offer promotional rates on balance transfers, and may 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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| Capital One® Platinum Prestige Credit Card |
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- Click "APPLY NOW" to apply online or call 866-781-9766
- 0% intro APR until August 2014 on balance transfers
- 0% intro APR until August 2014 on purchases
- No annual fee
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
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| Purchases | Balance Transfers | Regular APR | Annual Fee |
| Intro APR | Intro Period | Intro APR | Intro Period |
0%
| until August 2014 | 0% | until August 2014 | 10.9% - 18.9% (V) | $0 |
| Discover it® |
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- The new Discover it card is out to change the way people think about credit cards. Apply online or call 1-888-312-0082
- Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
- Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible…Choose your own due date and pay up to midnight ET online or by phone.
- Human…talk to a real person any time with 100% U.S.-based service.
- 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
- 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
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| Purchases | Balance Transfers | Regular APR | Annual Fee |
| Intro APR | Intro Period | Intro APR | Intro Period |
0%
| 6 months | 0% | 18 months | 10.99% - 22.99% (V)* | $0 |
| Citi Simplicity® Card |
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- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- No late fees - EVER
- No penalty rate - EVER
- No annual fee - EVER
- Save time when you call with fast, personal help, 24 hours a day.
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| Purchases | Balance Transfers | Regular APR | Annual Fee |
| Intro APR | Intro Period | Intro APR | Intro Period |
0%*
| 18 months* | 0%* | 18 months* | 12.99% - 21.99%* (Variable) | $0* |
| Citi® Diamond Preferred® Card |
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- Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
- Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
- Let our 24/7 concierge service help book your hotel rooms, flights and more.
- Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
- No annual fee*
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| Purchases | Balance Transfers | Regular APR | Annual Fee |
| Intro APR | Intro Period | Intro APR | Intro Period |
0%*
| 18 months* | 0%* | 18 months* | 11.99%-21.99%* (Variable) | $0* |
| Capital One® Cash Rewards |
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- $100 bonus after you spend $500 on purchases within the first 3 months
- 50% bonus on the cash back you earn every year
- 1% cash back on all purchases
- No annual fee
- Earn unlimited cash back that doesn't expire
- Redeem cash back anytime for any amount, even set automatic redemptions
- Personalize your card with an image of your choice
- 0% intro APR on purchases and balance transfers until May 2014
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| Purchases | Balance Transfers | Regular APR | Annual Fee |
| Intro APR | Intro Period | Intro APR | Intro Period |
0%
| until May 2014 | 0% | until May 2014 | 12.9% - 20.9% (V) | $0 |
| Citi Simplicity® Card |
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- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- No late fees - EVER
- No penalty rate - EVER
- No annual fee - EVER
- Save time when you call with fast, personal help, 24 hours a day.
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| Purchases | Balance Transfers | Regular APR | Annual Fee |
| Intro APR | Intro Period | Intro APR | Intro Period |
0%*
| 18 months* | 0%* | 18 months* | 12.99% - 21.99%* (Variable) | $0* |
| BankAmericard Cash Rewards™ Credit Card |
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- Get $100 cash rewards bonus after you spend $500 on purchases in the first 90 days of account opening
- 1% cash back on purchases everywhere, every time
- 2% on groceries and 3% on gas for the first $1500 in combined gas and grocery purchases each quarter
- Get a 10% customer bonus when you redeem cash back into a Bank of America® checking or savings account
- 0% introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, the regular APR
- No Annual fee
- No rotating categories and your rewards do not expire
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| Purchases | Balance Transfers | Regular APR | Annual Fee |
| Intro APR | Intro Period | Intro APR | Intro Period |
0%*
| 12 billing cycles* | 0%* | 12 billing cycles for qualifying balance transfers* | 12.99% - 22.99% Variable* on purchases & balance transfers | None* |
| BankAmericard® Visa® Card |
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- 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
- No annual fee
- Enjoy Purchase Replacement coverage on lost, damaged or stolen purchases
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| Purchases | Balance Transfers | Regular APR | Annual Fee |
| Intro APR | Intro Period | Intro APR | Intro Period |
0%*
| 15 billing cycles* | 0%* | 15 billing cycles for qualifying balance transfers* | 10.99%-20.99% Variable* on purchases & balance transfers | None* |
| BankAmericard® Better Balance Rewards™ Credit Card |
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- No annual fee
- Earn $25 per quarter when you pay more than the monthly minimum and on time each month in the calendar quarter. Thats up to $100 in cash rewards per year with the card
- Rewards are automatically credited to your card balance or you can choose to deposit them into your savings or checking account
- Low Introductory APR offer
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| Purchases | Balance Transfers | Regular APR | Annual Fee |
| Intro APR | Intro Period | Intro APR | Intro Period |
0%*
| 12 billing cycles* | 0%* | 12 billing cycles for qualifying balance transfers* | 11.99% - 21.99% Variable* on purchases & balance transfers | None* |
| Capital One® Card Finder Tool |
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- Click "APPLY NOW" to find card offers
- See cards with features you want, like low intro rates, unlimited cash back or miles rewards, and more
- Find the right card without affecting your credit score
- Get your results in less than a minute
- 24/7 account access
- $0 Fraud Liability if your card is lost or stolen
- Personalize your card with an image of your choice
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| Purchases | Balance Transfers | Regular APR | Annual Fee |
| Intro APR | Intro Period | Intro APR | Intro Period |
See Terms
| See Terms | See Terms | See Terms | Various Rates | See Terms |
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Save Money with 0% Balance Transfer Cards
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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.
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Getting the Most Out of 0% Balance Transfer Cards
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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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