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0% Balance Transfer Credit Cards

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Credit Card Applications » 0% Balance Transfer Credit Cards

Credit Cards with 0% on Balance Transfer

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 / Good Credit

Excellent/Good Credit
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 every month.

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:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Compare (10)
You've selected 10 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
September
2015)
3%0%
(until
September
2015)
12.9% -
22.9% (Variable)
$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.
  • Cash back doesn′t expire and there′s no limit to how much you can earn.
  • 0% intro APR on purchases until September 2015; 12.9% - 22.9% variable APR after that.
  • Balance transfers also have a 0% intro APR until September 2015, a 3% fee applies to each balance transferred.
  • Pay no annual fee or foreign transaction fees.
  • Capital One® Credit Tracker - the free way to easily monitor your monthly credit score anytime, anywhere.
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 Credit

Excellent Credit
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 15 months
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Compare (10)
You've selected 10 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%
(15 months)26
3%0%
(15 months)26
12.99% -
22.99%26 (Variable)
$026$0
Card Details:
  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99%, based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The only card that earns you cash back TWICE on every purchase with:
  • 1% cash back when you buy.
  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time.26
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories.
  • No Annual Fee.
Our Expert Opinion
  • Enjoy 0% Intro APR for 15 months.
  • Earn additional cash back as you pay for your purchases.
  • Pay NO annual fee.

  • Balance transfer fee applies.
total saving:
$464
How did we get this number?
See card details
Excellent / Good Credit

Excellent/Good Credit
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 every month.

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:
Get 0% intro APR on all purchases until March 2016; 10.9% - 18.9% variable APR after that
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Compare (10)
You've selected 10 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
March
2016)
3%0%
(until
March
2016)
10.9% -
18.9% (Variable)
$0See terms
Card Details:
  • Get 0% intro APR on all purchases until March 2016; 10.9% - 18.9% variable APR after that.
  • Balance transfers also have a 0% intro APR until March 2016, a 3% fee applies to each balance transferred.
  • Pay no annual fee or foreign transaction fees.
  • Fraud coverage if your card is lost or stolen.
  • Enjoy extended warranty protection on eligible items purchased with your card.
  • Easily manage your account 24/7 with online access, by phone, or using our mobile app.
  • Pick the monthly due date that works best for you.
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts.
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
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:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Compare (10)
You've selected 10 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% -
22.99% (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% - 22.99% 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

Excellent Credit
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:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Compare (10)
You've selected 10 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 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 40,000 Bonus Miles
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Compare (10)
You've selected 10 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
within 45 days
of account opening)
3%n/a14.99% or 18.99%*
(Variable)
$89, waived first year$0
Card Details:
  • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days - that´s enough to redeem for a $400 travel statement credit.
  • Earn 2X miles on all purchases - Miles don´t expire as long as your account is open, active and in good standing.
  • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits.
  • Chip card for increased confidence and convenience to pay abroad as easily as you do at home.
  • No foreign transaction fees on anything you buy while in another country.
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 14.99% or 18.99%, depending on your creditworthiness.
  • Complimentary online FICO® Credit Score access for Barclaycard Arrival Cardmembers.
Our Expert Opinion
  • Earn double miles on every purchase.
  • Redeem miles for travel and get 10% back.
  • Choose any airline and destination.

  • Has an annual fee.
total saving:
$254
How did we get this number?
See card details
Excellent Credit

Excellent Credit
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:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Compare (10)
You've selected 10 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% -
22.99% (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% - 22.99% 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

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

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Balance Transfer: Save on Average $1,400

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