Credit Cards with 0% on Balance Transfer
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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 - we'll help you find one.
What you should know:
Different Cards, Different Banks:
You can't 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.
Never Miss a Due Date:
If 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%.
Our Expert Advice:
Remember, 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.
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!
0% on Balance Transfers for 18 months
| Intro APR on Bal.Tr. | Fee on Bal. Tr. | Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|---|
| 0% (18 months) | 3%± | 0% (6 months) | 10.99% - 22.99%± Variable | $0 | $0 |
- The new Discover it card is out to change the way people think about credit cards.
- Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won´t increase your APR for paying late.±
- Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.±
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible…Choose your own due date and pay up to midnight ET online or by phone.
- Human…talk to a real person any time with 100% U.S.-based service.
- 0% Intro APR± on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.±
- 0% Intro APR± on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. ±Click apply for Terms & Conditions.
- 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.
Excellent/Good Credit
Required FICO score for this card: 660 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!
0% intro APR on Purchases and Balance Transfers
| Intro APR on Bal.Tr. | Fee on Bal. Tr. | Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|---|
| 0% (until September 2014) | 3% | 0% (until September 2014) | 10.9% - 18.9% (V) | $0 | See terms |
- 0% intro APR until September 2014 on balance transfers.
- 0% intro APR until September 2014 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.
- No Foreign Transaction Fee.
- Covers against online fraud.
- Low balance transfer fee.
- High penalty APR.
- Must have good or excellent credit history.
Excellent/Good Credit
Required FICO score for this card: 660 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!
Get 0% Intro APR on Balance Transfers and Purchases for 18 months
| Intro APR on Bal.Tr. | Fee on Bal. Tr. | Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|---|
| 0% (18 months)26 | 3% | 0% (18 months)26 | 11.99% - 21.99%26 (Variable) | $026 | $0 |
- 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® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
- Let our 24/7 concierge service help book your hotel rooms, flights and more.
- Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
- No annual fee.26
- VIP access to presale tickets for live entertainment.
- Buy now. Save later with Citi® Price Rewind.
- Get protected with Citi IdentityMonitor.
- No rewards on everyday purchases.
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!
Get 17,500 Bonus FlexPoints after the first $2,500 in net Purchases in the first 150 days
| Intro APR on Bal.Tr. | Fee on Bal. Tr. | Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|---|
| 0% (12 billing cycles) | 3% | 0% (12 billing cycles) | 13.99% - 23.99% (Variable) | $0 for the first year, then $4915 | $0 |
- Get 17,500 bonus FlexPoints after the first $2,500 in net purchases in the first 150 days.
- Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or redemption fees.
- Earn one FlexPoint for every $1 of eligible net purchases charged to your card.
- Earn two FlexPoints for every $1 spent on gas, grocery or airline purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses.
- Earn Triple FlexPoints for your charitable donations.
- Earn 5,000 FlexPoints when you refer a friend who acquires and uses the card.
- $0 Annual Fee15 the first year, after that $4915.
- Earn 3,500 bonus FlexPoints each year when you spend $24,000 in Net Purchases. You can redeem these FlexPoints for your annual fee or combine them with other FlexPoints for travel or many other rewards.
- Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more.
- Earn bonus points and redeem or combine them.
- Earn double points in category you spend the most.
- Enjoy Visa Signature benefits.
- The card has an annual fee.
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!
0% intro APR for 9 billing cycles on Purchases and Balance Transfers
| Intro APR on Bal.Tr. | Fee on Bal. Tr. | Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|---|
| 0% (9 billing cycles) | 3% | 0% (9 billing cycles) | 13.99% - 23.99% (Variable) | $0 | $0 |
- Save an Additional 25¢ a gallon for the first three months when you redeem 100 fuel points at participating Kroger family of stores fuel centers.
- Earn free groceries faster at Kroger, King Soopers, Dillons Smith´s, Fry´s and QFC; 3 points per $1 spent on Kroger family of brand products.
- 2 points per $1 spent in the Kroger® family of stores (excluding fuel centers).
- 1 point per $1 spent anywhere Visa Cards are accepted.
- Every 1,000 points earned gets $5 in free groceries. Rewards sent automatically every quarter.
- 0% intro APR15 for first 9 billing cycles on purchases and balance transfers. After that, a variable APR currently 13.99% - 23.99%.
- $0 annual fee.15
- Three-in-one card: Rewards Card, Shopper´s Card and Visa Card.
- Earn rewards at the Kroger Family of Stores.
- Visa card benefits included.
- Should have excellent credit history to qualify.
Excellent/Good Credit
Required FICO score for this card: 660 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!
0% on Balance Transfers and Purchases for 15 months
| Intro APR on Bal.Tr. | Fee on Bal. Tr. | Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|---|
| 0% (15 months)26 | 3% | 0% (15 months)26 | 12.99% - 22.99%26 (Variable) | $026 | $0 |
- Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness.26
- Earn 1 ThankYou Point for every $1 you spend on purchases.
- Enjoy no limit on the number of points you can earn.
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.
- Travel with ease and enjoy global acceptance with Chip Technology.
- No annual fee.26
- Good Anniversary Bonus Program.
- $0 Liability on unauthorized charges.
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!
0% Introductory APR on Purchases and Balance Transfers for the first 12 Months from account opening
| Intro APR on Bal.Tr. | Fee on Bal. Tr. | Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|---|
| 0% (12 billing cycles) | 4% | 0% (12 billing cycles) | 12.99% or 20.99% (Variable) | $0 | $0 |
- No annual fee.
- Earn $50 cash back with your first purchase.
- With eligible online purchases through Upromise, you can earn 5% or more cash back as well as an additional 5% when you use your Upromise World MasterCard.
- Earn 4% back at thousands of participating Upromise dining restaurants.
- Earn up to 3% cash back on eligible gas purchases at Exxon or Mobile locations.
- Earn 2% cash back at eligible movie theaters.
- Earn 1% cash back everywhere else.
- Earn cash back on every purchase with no caps.
- 0% introductory APR on purchases and balance transfers for the first 12 months from account opening. After that, a variable APR, currently 12.99% or 20.99% depending on your creditworthiness.
- 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.
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!
0% Intro APR on Balance Transfers and Purchases for 12 months
| Intro APR on Bal.Tr. | Fee on Bal. Tr. | Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|---|
| 0% (12 billing cycles) | 4% | 0% (12 billing cycles) | 13.74% - 22.74% (Variable) | $0 | $0 |
- 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness.
- One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit.
- Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases.
- No cap on points earned and points never expire.
- Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits.
- 20% off every purchase at NFLShop.com - that´s $20 off every $100 you spend.
- Tampa Bay Buccaneers fans credit card.
- No caps on earning points.
- A 20% discount at NFLShop.com.
- The card is for people with excellent credit.
Excellent/Good Credit
Required FICO score for this card: 660 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!
Simply Long 0% Introductory Periods
| Intro APR on Bal.Tr. | Fee on Bal. Tr. | Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|---|
| 0% (18 months)26 | 3% | 0% (18 months)26 | 12.99% - 21.99% (Variable) | $026 | $0 |
- 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.
- Good Promotional Period for balance transfer.
- No late fees or penalty rate.
- No rewards program.
Find the right card without affecting your credit score. Get your results in less than a minute
| Intro APR on Bal.Tr. | Fee on Bal. Tr. | Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|---|
| See terms | See terms | See terms | Various Rates | See terms | See terms |
- Click "APPLY HERE" to find card offers.
- See cards with features you want, like low intro rates, unlimited cash back or miles rewards, and more.
- Find the right card without affecting your credit score.
- Get your results in less than a minute.
- 24/7 account access.
- $0 Fraud Liability if your card is lost or stolen.
- Personalize your card with an image of your choice.
- Choose rewards program you prefer.
- No risk to your credit score.
- Get result in 60 seconds.
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!
0% Intro APR on Purchases and Balance Transfers for 15 billing cycles
| Intro APR on Bal.Tr. | Fee on Bal. Tr. | Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee |
|---|---|---|---|---|---|
| 0% (15 billing cycles) | 3% | 0% (15 billing cycles) | 9.99% - 23.99% (Variable) | $0 | $0 |
- 0% Intro APR15 on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99% - 23.99%.
- No annual fee15.
- Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum.
- $0 fraud liability15 for unauthorized transactions if your card is ever lost or stolen.
- Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud.
- Online account management and account alerts.
- Pay bills automatically online.
- Receive your credit score at no cost.
- Manage credit online with Free Online Account Access.
- Must have good-to-excellent credit history.
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.
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!
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.
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Balance Transfer Video
Balance Transfer: Save on Average $1,400
July 18, 2012
Balance Transfer
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