Credit Card Guide
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Balance Transfer Credit Cards

 

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.

 
     

 

0% APR on Balance Transfers & Purchases

 
     
 
Discover it®
Discover it®

Discover it®

 

  • Click "APPLY NOW" to apply online or call 888-312-0082
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014 when you sign up.*
  • Human. 100% U.S.-based customer service available any time.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
6 months0%18 months10.99% - 22.99% Variable*$0Excellent Credit

BankAmericard® Visa® Card
  • 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
  • The perfect card for those seeking a simple yet convenient-to-use credit card
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%*
15 billing cycles*0%*15 billing cycles for qualifying balance transfers*10.99% - 20.99% Variable* on purchases & balance transfers$0Excellent Credit

BankAmericard Cash Rewards™ Credit Card
  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on purchases everywhere, every time
  • 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter.
  • Bank of America customers: Get an ongoing 10% customer bonus every time 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, 12.99% - 22.99% variable APR
  • No annual fee
  • No changing categories and your rewards do not expire
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%*
12 billing cycles*0%*12 billing cycles for qualifying balance transfers*12.99% - 22.99% Variable* on purchases & balance transfers$0Excellent Credit

The Carnival™ MasterCard®
The Carnival™ MasterCard®

The Carnival™ MasterCard®

 

  • 0% APR on purchases and balance transfers for the first 12 months after account opening (after that a variable APR currently 13.99% - 20.99%)
  • Earn 5,000 bonus points when you use your card for the first time
  • Earn Double points on any Carnival™ purchase
  • Earn 1 point per $1 spent everywhere else
  • Redeem points for cruises on Carnival™ or other eligible World's Leading Cruise Lines vacations, hotel or flight discounts, onboard gifts and services, merchandise or gift cards
  • No Annual Fee
  • Please see terms and conditions for complete details
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
12 months0%12 months13.99%-20.99% (Variable)$0Excellent Credit

Discover it®
Discover it®

Discover it®

 

  • Click "APPLY NOW" to apply online or call 800-983-1403
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014 when you sign up.*
  • Human. 100% U.S.-based customer service available any time.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
14 months0%14 months10.99% - 22.99% Variable*$0Excellent Credit

Capital One® Platinum Prestige Credit Card
Capital One® Platinum Prestige Credit Card

Capital One® Platinum Prestige Credit Card

 

  • Click "APPLY NOW" to apply online or call 866-582-0808
  • Transfer a balance for 0% intro APR until July 2015
  • Get 0% intro APR on all purchases until July 2015
  • Enjoy no annual fee
  • Get peace of mind with fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Fast and easy access, 24/7
  • Rent a car using your card and get collision, damage, and loss insurance
  • Feel secure with 24-hour roadside assistance
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
until July 20150%until July 201510.9% - 18.9% (V)$0Excellent/Good

BankAmericard® Better Balance Rewards™ Credit Card
BankAmericard® Better Balance Rewards™ Credit Card

BankAmericard® Better Balance Rewards™ Credit Card

 

  • No annual fee
  • Save on interest with a 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 11.99% - 21.99% variable APR
  • Earn $25 per quarter towards your balance when you pay more than the monthly minimum and on time each month
  • Get an additional $5 bonus per quarter if you have a Bank of America® checking or savings account
  • Cash back is automatically credited to your card balance
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%*
12 billing cycles*0%*12 billing cycles for qualifying balance transfers*11.99% - 21.99% Variable* on purchases & balance transfers$0Excellent Credit

Barclaycard Arrival™ World MasterCard® - Earn 1x on All Purchases
Barclaycard Arrival™ World MasterCard® - Earn 1x on All Purchases

Barclaycard Arrival™ World MasterCard® - Earn 1x on All Purchases

 

  • Start by earning 20,000 bonus miles when you make $1,000 or more in purchases in the first 90 days from account opening. 20,000 bonus miles equates to $200 off your next trip!
  • 0% intro APR on balance transfers and purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
  • Earn 2X miles on travel and dining purchases,1X miles on all other purchases, and no mileage caps or foreign transaction fees
  • Get 10% miles back when you redeem for travel (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
  • Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
  • Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
  • Complimentary one year subscription of TripIt Pro mobile travel organizer – a $49 value
  • Complimentary FICO® Scores as a benefit to active card members. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
12 months0%12 months14.99% or 18.99%* (Variable)$0Excellent Credit

Upromise World MasterCard®
Upromise World MasterCard®

Upromise World MasterCard®

 

  • You can earn 10% or more cash back on eligible online purchases through Upromise.com
  • Start with a $50 cash back bonus after first use
  • Earn 4% cash back at thousands of participating Upromise dining restaurants
  • Earn up to 3% cash back on eligible gas purchases at Exxon or Mobil locations
  • Earn 2% cash back at eligible movie theaters
  • Earn 1% cash back on all other purchases
  • No annual fee
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
12 months0%12 months12.99%-20.99% (Variable)$0Good Credit

Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

 

  • Get 100 Reward Dollars, redeemable for a $100 statement credit, after you make $1,000 in purchases with your new Card in the first three months.
  • Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period.
  • As an Amazon Prime member, you get unlimited Free Two-Day Shipping on millions of items.
  • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and Restrictions Apply.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
15 months0%15 months12.99% - 21.99% Variable$75Excellent Credit

 
     

     
 
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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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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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