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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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Citi® Platinum Select® MasterCard® |
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- 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99% - 19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee
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Intro Purchase APR
0% for 12 months* |
Intro Balance Trans. APR
0% for 18 months* |
APR
11.99% - 19.99% (V) |
Annual Fee
None |
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Citi® Diamond Preferred® Card |
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- 0%* Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 14.99%*. This APR will vary with the market based on the Prime Rate.
- Concierge service that caters to your needs 24/7
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee*
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Intro Purchase APR
0%* for 12 months* |
Intro Balance Trans. APR
0%* for 12 months* |
APR
14.99%* (Variable). |
Annual Fee
None |
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Capital One® Platinum Prestige Credit Card |
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- 0% intro APR until July 2011 on balance transfers, processed in as little as 48 hours
- 0% intro APR until July 2011 on purchases
- Transfer your higher-rate balances
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel & emergency assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Travel accident insurance
- No annual fee
- To apply online click the "Apply Here" button or call
1-866-582-0808
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Intro Purchase APR
0% until July 2011 |
Intro Balance Trans. APR
0% until July 2011 |
APR
11.9% Variable |
Annual Fee
None |
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Discover® More Card |
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- 0% intro APR on balance transfers for a full 15 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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Intro Purchase APR
0%* for 6 months* |
Intro Balance Trans. APR
0%* for 15 full months* |
APR
11.99% - 20.99%
(Variable)* |
Annual Fee
None* |
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Citi® Diamond Preferred® Rewards Card |
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- $50 gift card - Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening
- 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-20.99% based on creditworthiness*. This APR will vary with the market based on the Prime Rate.
- 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter**
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- 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% - 20.99% (V) |
Annual Fee
None |
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Discover® More Card - $75 Cashback Bonus |
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- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Unlimited cash rewards that never expire
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners
- Flexible redemption options with no redemption fee. Choose from Partner gift cards, merchandise, Discover gift cards, credit to your Discover card account or an electronic deposit to your bank account
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Intro Purchase APR
0%* for 6 months* |
Intro Balance Trans. APR
0%* for 12 full months* |
APR
11.99% - 20.99%
(Variable)* |
Annual Fee
None* |
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Citi® Dividend Platinum Select® MasterCard® |
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- 0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter.
- Full 1% cash back on eligible purchases and cash advances.
- Earn extra cash back on popular, rotating categories each quarter.
- Average 5% additional cash back through Citi Bonus Cash Center®
- No Annual Fee
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Intro Purchase APR
None |
Intro Balance Trans. APR
0% for 15 months* |
APR
12.99% - 20.99% (V) |
Annual Fee
None |
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Capital One® Platinum Credit Card |
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- 0% intro APR until July 2011 on balance transfers, processed in as little as 48 hours
- 0% intro APR until July 2011 on purchases
- Transfer your higher-rate balances
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel & emergency assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Travel accident insurance
- No annual fee
- To apply online click the "Apply Here" button or call 1-866-582-0808
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Intro Purchase APR
0% until July 2011 |
Intro Balance Trans. APR
0% until July 2011 |
APR
14.9% Variable |
Annual Fee
None |
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Discover® More Card – Black |
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- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 9 months, then the Regular APR
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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Intro Purchase APR
0%* for 9 full months* |
Intro Balance Trans. APR
0%* for 12 full months* |
APR
11.99% - 20.99%
(Variable)* |
Annual Fee
None* |
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Citi Forward® Card |
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- Earn up to 8,500 bonus points after you sign up for paperless statements and make $250 in purchases within the first 3 months of account opening.
- 5 ThankYou points for every $1 you spend on restaurants and entertainment. 1 reward point for every $1 you spend on other purchases.
- Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
- No Annual Fee
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Intro Purchase APR
0% if you qualify for 7 months* |
Intro Balance Trans. APR
0% if you qualify for 12 months* |
APR
12.99 - 19.99% (V) |
Annual Fee
None |
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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
Editor's Pick: Best 0 APR Balance Transfer Credit Cards 2010 - After having almost dried up in the aftermath of the 2008 credit crisis, 0% APR balance transfer offers have bounced back. Here is a guide to some of the more attractive current 0% APR offers. The New Rules of Balance Transfers - Back in the heydays of easy credit, anyone with decent credit could apply for a credit card online, and moments later, have a balance transfer of $5,000-10,000 heading their way. ALL CREDIT CARD HELP & ADVICE ARCHIVES >>
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