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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® More® Card - Limited Time No Balance Transfer Fee* |
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- Limited Time Offer - $0 Balance Transfer Fee!*
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked 1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
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Intro Purchase APR
0%* for 12 months* |
Intro Balance Trans. APR
0%* for 12 months* |
APR
10.99%-19.99% (Variable)* |
Annual Fee
$0* |
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Capital One® Platinum Prestige Credit Card |
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- To apply online click the “Apply Now” button or call 1-866-582-0808
- 0% intro APR until May 2013 on balance transfers
- 0% intro APR until May 2013 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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Intro Purchase APR
0% until May 2013* |
Intro Balance Trans. APR
0% until May 2013* |
APR
10.9% - 18.9% (V)* |
Annual Fee
$0* |
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Citi® Platinum Select® MasterCard® |
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- 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi® Identity Theft Solutions
- No annual fee*
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Intro Purchase APR
0% for 18 months* |
Intro Balance Trans. APR
0% for 18 months* |
APR
11.99% - 21.99%* (Variable) |
Annual Fee
$0* |
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Citi® Platinum Select® Visa® |
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- 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable
- APR will be 11.99%-21.99% based on your creditworthiness.*
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi® Identity Theft Solutions
- No annual fee*
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Intro Purchase APR
0% for 18 months* |
Intro Balance Trans. APR
0% for 18 months* |
APR
11.99% - 21.99%* (Variable) |
Annual Fee
$0* |
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Citi® Diamond Preferred® Card |
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- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
- 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
- Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
- No annual fee*
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Intro Purchase APR
0% for 18 months* |
Intro Balance Trans. APR
0% for 18 months* |
APR
11.99%-21.99%* (Variable) |
Annual Fee
None |
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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.
- Peace of mind through direct access to a service representative, no late fees and no penalty rate
- No annual fee
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Intro Purchase APR
0% for 18 months* |
Intro Balance Trans. APR
0% for 18 months* |
APR
12.99% - 21.99%* (Variable) |
Annual Fee
$0* |
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Citi ThankYou® Preferred Rewards Card - $150 in Gift Cards |
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- $150 in gift cards - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening
- 5 ThankYou Points for every $1 spent on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 spent thereafter and for all other purchases*
- Enjoy no limit on the number of points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
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Intro Purchase APR
N/A* |
Intro Balance Trans. APR
N/A* |
APR
12.99%-22.99%* (Variable) |
Annual Fee
$0* |
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Capital One® Mastercard® |
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- Get the credit you need with no processing fees or application fees
- $0 Fraud Liability if your card is lost or stolen
- Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
- Access your account 24/7
- Monitor your spending with free e-mail and text message alerts
- Automatic reporting to the 3 major credit bureaus
- Find pre-qualified card offers in 60 seconds without affecting your credit score
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Intro Purchase APR
See Terms* |
Intro Balance Trans. APR
See Terms* |
APR
10.9% - 24.9% (V)* |
Annual Fee
See Terms* |
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Capital One® Cash |
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- Click "APPLY HERE" to apply online or call 1-866-582-0808
- $100 Bonus after you spend $500 in 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 rewards that don't expire
- Redeem cash rewards anytime for any amount, even set up automatic redemption
- Personalize your card with an image of your choice
- 0% intro APR on purchases and balance transfers until February 2013
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Intro Purchase APR
0% until February 2013* |
Intro Balance Trans. APR
0% until February 2013* |
APR
12.9% - 20.9% (V)* |
Annual Fee
$0* |
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Discover® More® Card - Balance Transfer Fee* |
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- To apply online click the "Apply Now" button or call 1-888-312-0082.
- 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Discover is ranked #1 in customer loyalty--15 years in row! (2011 Brand Keys Customer Loyalty Engagement Index report)ithin 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
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Intro Purchase APR
0%* for 6 months* |
Intro Balance Trans. APR
0%* for 18 months* |
APR
10.99% - 20.99% (Variable)* |
Annual Fee
$0* |
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Discover® More® Card |
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- To apply online click the "Apply Now" button or call 1-800-983-1403.
- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
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Intro Purchase APR
0%* for 15 months* |
Intro Balance Trans. APR
0%* for 15 months* |
APR
10.99% - 20.99% (Variable)* |
Annual Fee
$0* |
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Slate® from Chase |
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- Limited Time: No Balance Transfer Fee!*
- Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
- After the first 30 days, the balance transfer fee is 3% of the amount transferred with a minimum of $5
- 0% Intro APR for up to 12 months - a variable APR as low as 11.99-21.99% after your 0% ends
- Slate with Blueprint helps you pay down your balances faster and save on interest
- Zero liability on unauthorized purchases*
- No Annual Fee*
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Intro Purchase APR
0% for up to 12 months* |
Intro Balance Trans. APR
0% for up to 12 months* |
APR
11.99% - 21.99%* (Variable) |
Annual Fee
$0* |
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Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back |
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- $100 cash back after $500 in purchases within the first 3 months of account opening
- 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
- 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment.
- Each quarter, you can enroll to earn additional cash back in popular categories.
- Full 1% cash back on all other purchases and eligible cash advances.
- No annual fee*
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Intro Purchase APR
0% for 12 months* |
Intro Balance Trans. APR
0% for 12 months* |
APR
12.99% - 22.99%* (Variable) |
Annual Fee
$0* |
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Chase Freedom® Visa - $100 Bonus Cash Back |
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- Click "APPLY NOW" to apply online or call 866-688-6609
- This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 0% Intro APR for 12 months on balance transfers and 6 months on purchases
- 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
- You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases without limits on what you can earn and up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
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Intro Purchase APR
0% for 6 months* |
Intro Balance Trans. APR
0% for 6 months* |
APR
11.99% - 22.99%* (Variable) |
Annual Fee
$0* |
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Slate® from Chase |
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- Earn $75 Statement Credit after you make $300 in purchases in your first 3 months
- 0% Intro APR for up to 15 months – a variable APR as low as 11.99% -21.99% after your 0% ends
- Slate with Blueprint® helps you pay down your balances faster and save on interest
- Transfer your higher rate balances
- No Annual Fee
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Intro Purchase APR
0% for up to 15 months* |
Intro Balance Trans. APR
0% for up to 15 months* |
APR
11.99% - 21.99%* (Variable) |
Annual Fee
$0* |
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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.
Click here to read more
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View Related Stories
How Balance Transfers Impact FICO Scores - Taking out a balance transfer may lower your FICO score in the short-term. But it can also help boost your score over time. Here are the three ways in which taking out a balance transfer will impact your credit score. 5 Ways to Save With a 0 APR Credit Card Offer - If you're willing to do the work, you can save some serious money with a 0 percent promotional offer on purchases or balance transfers. However, it takes careful discipline to see a substantial payoff, say experts. ALL CREDIT CARD HELP & ADVICE ARCHIVES >>
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