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Credit Cards with 0% on Balance Transfer

0% Balance Transfer Credit Cards
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Balance transfers are the best way to save money if you have good or excellent credit history, but carry a balance on your card. With a high interest rate, it can take decades to pay off your debt, but with a no-fee 0% interest balance transfer offer from a reputable bank, you'll pay off your balance much faster.

Keep in mind that you cannot use a balance transfer offer from the same bank that issued the card you want to transfer a balance from. Look for offers from a different card issuer. If you have a large balance - higher than $10,000, for example - you probably won't be able to put the entire balance on one card. Apply for more than one card so you can spread the balance over several cards and maximize your savings.

Sort Cards by:SavingsRatingIntro APR on Bal. Tr.Fee on Bal. Tr.Intro APR on Purch.Regular APRAnnual Fee
Excellent Credit

Excellent Credit
Required FICO score for this card: 750 to 850
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Key Feature:
0% on Balance Transfers for 18 months
Expert Rating:
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeActivation Fee
0%
(18 months)
3%±0%
(6 months)
10.99% -
22.99% Variable±
$0$0
Card Details:
  • 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. And 1% cash back on all other purchases.±
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you´re never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • 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.
Our Expert Opinion
  • Longest 0% intro period on balance transfer from Discover.
  • Peace in mind if you have some problems with payments.
  • Offers cash back bonus program.

  • Requires excellent credit history.
total saving:
$574
How did we get this number?
See card details
Excellent Credit

Excellent Credit
Required FICO score for this card: 750 to 850
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Key Feature:
Get 0% Intro APR on Balance Transfers and Purchases for 18 months
Expert Rating:
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeActivation Fee
0%
(18 months)26
3%0%
(18 months)26
11.99% -
21.99%26 (Variable)
$026$0
Card Details:
  • 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.26
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee.26
Our Expert Opinion
  • VIP access to presale tickets for live entertainment.
  • Get protected with Citi IdentityMonitor.
  • Earn Citi Easy Deals Points for purchases.

  • Balance transfer fee is 3% of each balance transfer.
total saving:
$574
How did we get this number?
See card details
Excellent / Good Credit

Excellent/Good Credit
Required FICO score for this card: 700 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Key Feature:
One-time $100 bonus after you spend $500 on purchases within the first 3 months
Expert Rating:
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeActivation Fee
0%
(until
January
2015)
3%0%
(until
January
2015)
12.9% -
22.9% (V)
$0See terms
Card Details:
  • One-time $100 bonus after you spend $500 on purchases within the first 3 months.
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No rotating categories and no sign ups needed to earn cash rewards.
  • Redeem the cash back you earn for any amount, any time.
  • Your cash back doesn´t expire.
  • 0% intro APR on purchases and balance transfers until January 2015.
  • No annual fee.
Our Expert Opinion
  • Spend $500 within 3 months and get a $100 bonus.
  • Earn as much cash back as you can, there are no caps.
  • Get your cash back at any time.

  • For people with excellent or good credit.
total saving:
$237
How did we get this number?
or call     (866) 554-0808
See card details
Excellent / Good Credit

Excellent/Good Credit
Required FICO score for this card: 700 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Key Feature:
Transfer a Balance for 0% intro APR until July 2015
Expert Rating:
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeActivation Fee
0%
(until
July
2015)
3%0%
(until
July
2015)
10.9% -
18.9% (V)
$0See terms
Card Details:
  • 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.
Our Expert Opinion
  • No Foreign Transaction Fee.
  • Covers against online fraud.
  • Low balance transfer fee.

  • High penalty APR.
  • Must have good or excellent credit history.
total saving:
$464
How did we get this number?
or call     (866) 554-0808
See card details
Excellent Credit

Excellent Credit
Required FICO score for this card: 750 to 850
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Key Feature:
0% on Balance Transfers and Purchases for 18 months
Expert Rating:
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeActivation Fee
0%
(18 months)26
3%0%
(18 months)26
12.99% -
21.99% (Variable)
$026$0
Card Details:
  • 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.
Our Expert Opinion
  • Good Promotional Period for balance transfer.
  • No late fees or penalty rate.

  • No rewards program.
total saving:
$574
How did we get this number?
See card details
Excellent Credit

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Key Feature:
Start with a $50 Cash Back Bonus after first Use
Expert Rating:
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeActivation Fee
0%
(12 billing
cycles)
4%0%
(12 billing
cycles)
12.99% or
20.99% (Variable)
$0$0
Card Details:
  • You can earn 10% or more cash back on eligible online purchases through Upromise.
  • Start with a $50 cash back bonus after first use.
  • Earn 4% back at thousands of participating Upromise dining restaurants.
  • Earn 3% cash back on eligible gas purchases at Exxon or Mobil locations.
  • Earn 2% cash back at eligible movie theaters.
  • Earn 1% cash back everywhere else.
  • No annual fee.
Our Expert Opinion
  • A Cash back credit card for everyone.
  • No annual fee credit card.
  • 0% introductory rates to maximize savings.

  • Balance transfer and cash advance are not free.
total saving:
$303
How did we get this number?
See card details
Excellent Credit

Excellent Credit
Required FICO score for this card: 750 to 850
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Key Feature:
Simply Long 0% Introductory Periods
Expert Rating:
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeActivation Fee
0%
(18 months)26
3%0%
(18 months)26
12.99% -
21.99% (Variable)
$026$0
Card Details:
  • 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.
Our Expert Opinion
  • Good Promotional Period for balance transfer.
  • No late fees or penalty rate.

  • No rewards program.
total saving:
$574
How did we get this number?
See card details
Excellent Credit

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Key Feature:
Earn 20,000 Award Miles after your first Purchase
Expert Rating:
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeActivation Fee
0%
(12 billing
cycles)
4%0%
(12 billing
cycles)
15.99% or 24.99%
(Variable)
$79$0
Card Details:
  • Earn 20,000 award miles after your first purchase or balance transfer.
  • Earn up to 15,000 award miles with balance transfers (1 mile per $1 transferred) within 30 days of account opening.
  • Earn 2 award miles per $1 on ticket purchases directly from Miles & More integrated airline partners.
  • Earn 1 mile per $1 on all other purchases.
  • Annual Companion Ticket after first purchase, then annually thereafter.
  • No foreign transaction fees on purchases made outside the U.S.
  • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance airlines and other partners.
  • $79 Annual Fee, waived for SEN and HON Circle Members.
Our Expert Opinion
  • MasterCard labeled card.
  • Expanded bonus miles program.
  • Make purchases and miles will never expire.

  • Has an annual fee.
total saving:
$224
How did we get this number?
See card details
Excellent Credit

Excellent Credit
Required FICO score for this card: 750 to 850
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Key Feature:
Earn $100 Cash Back after $500 in purchases
Expert Rating:
Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeActivation Fee
0%
(12 months)26
3%0%
(12 months)26
12.99% -
22.99%26 (Variable)
$026$0
Card Details:
  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening.
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy.
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness.26
  • No Annual Fee.26
  • Click Apply Now to see pricing details.
Our Expert Opinion
  • Convenient trip cancellation coverage.
  • Straightforward cash back rewards.
  • Covers against unauthorized transactions.

  • High standard APR.
total saving:
$343
How did we get this number?
See card details

± Click apply for Terms & Conditions.
26 See the Citi card terms and conditions online.

Pay off All Your Debts with 0% on Balance Transfer Cards

For people stuck paying high interest rates on their credit cards, balance transfer credit cards are a great way to save money. With a 0% APR balance transfer credit card, you can move your old balance to a card that carries better terms and lower interest rates. But once you make even one late payment, not only will your 0% rate end, you may get slapped with a penalty APR of up to 29%.

With a balance transfer, you are literally moving your balance from one card to another - allowing you to enjoy a lower interest rate while you pay off a balance from the holidays, a large purchase, or a high-interest card. You might want to do this when an introductory period on one card ends, in order to extend the benefits of low interest.

You also may want to consolidate debt by moving multiple credit card balances to one card, so you have fewer bills to pay each month. If your credit limit allows you to accommodate your combined balances, it will make your life simpler and your credit card balance easier to pay off.

Our Experts about Balance Transfer

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Try Our Credit Card Tools:

Use these tools to make some helpful calculations and comparisons to build your own plan for managing your credit health.

Balance Transfer Calculator: Save on average $1,400!

Balance Transfer Calculator

Carrying a balance? Find out how much you'll save - and how much faster you'll pay it off - by transferring your balance to a new card. Our Balance Transfer Calculator does the math for you and eliminates the guesswork.

User level: Above average

Balance Transfer Video

Balance Transfer: Save on Average $1,400

Questions & Answers about
Balance Transfer

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Leo Zhu
Credit-Land Expert on Credit Cards

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