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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 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% intro APR on Balance Transfers 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)3%0% (6 months)10.99% - 22.99% Variable*$0$0
Card Details:
  • New! Double all the cash back you´ve earned at the end of your first year automatically - only for new cardmembers.*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.* Plus get 100% U.S.-based service.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won´t raise your APR.*
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, FICO® Credit Score terms & other info by clicking "Apply."
Our Expert Opinion
  • 0% intro APR on balance transfers for 18 months.
  • Freeze or unfreeze your account.
  • Earn cash back on all purchases.
  • No annual fee.

  • 3% balance transfer fee.
total saving:
$572
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:
One-time $100 cash 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 April 2016)3%0% (until April 2016)12.9% - 22.9% (Variable)$0See terms
Card Details:
  • One-time $100 cash 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 or sign ups needed to earn cash rewards; plus, cash back doesn′t expire and there′s no limit to how much you can earn.
  • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016.
  • 0% intro APR on purchases until April 2016; 12.9% - 22.9% variable APR after that.
  • Balance transfers also have a 0% intro APR until April 2016, a 3% fee applies to each balance transferred.
  • Pay no annual fee or foreign transaction fees.
  • Capital One® Credit Tracker - a free way to easily monitor your monthly credit score anytime, anywhere.
Our Expert Opinion
  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months.
  • 0% intro APR on purchases until April 2016; 12.9% - 22.9% variable APR after that.
  • Pay no annual fee or foreign transaction fees.

total saving:
$237
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 21 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% (21 months)263%0% (21 months)2611.99% - 21.99%26 (Variable)$026$0
Card Details:
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 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
  • 0% intro APR on balance transfers.
  • Get protected with Citi® Identity Theft Solutions.
  • Earn Citi Easy Deals Points for purchases.

  • Balance transfer fee is 3% of each balance transfer.
total saving:
$685
How did we get this number?
See card details
Capital One® Card Finder Tool
Key Feature:
Find card offers you may be eligible for without affecting your credit score
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
See termsSee termsSee termsVarious RatesSee termsSee terms
Card Details:
  • Find card offers you may be eligible for without affecting your credit score.
  • Get matched to features you want like low intro rates, cash back or miles, and more.
  • See your card matches in less than 60 seconds.
  • Find a card for where you are to help you prepare for what′s ahead.
  • All Capital One cards come with fraud coverage if your card is lost or stolen.
  • 24/7 account access including mobile app for fast and easy account management - right from your smartphone.
  • Pick the monthly payment due date that works best for you.
  • Pay the way you want - by check, online, or at a local branch.
More details
Our Expert Opinion
  • Find card offers you may be eligible for without affecting your credit score.
  • See your card matches in less than 60 seconds.
  • Pick the monthly payment due date that works best for you.

total saving:
$0
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:
0% on Balance Transfers and Purchases for 21 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% 21 months)263%0% (21 months)2612.99% - 22.99% (Variable)$026$0
Card Details:
  • 0% Intro APR on Balance Transfers and Purchases for 21 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
  • Zero intro APR on balance transfers.
  • No late fees or penalty rate.
  • No annual fee.

  • No rewards program.
total saving:
$685
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:
0% intro APR on Purchases and Balance Transfers for 12 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% (12 months)3%0% (12 months)10.99% - 22.99% Variable*$0$0
Card Details:
  • New! Double all the cash back you´ve earned at the end of your first year automatically - only for new cardmembers.*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR on purchases & balance transfers for 12 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.* Plus get 100% U.S.-based service.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won´t raise your APR.*
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, FICO® Credit Score terms & other info by clicking "Apply."
Our Expert Opinion
  • 0% intro APR on purchases & balance transfers.
  • No overlimit fee.
  • Free FICO® Credit Score.
  • No foreign transaction fee.

  • Balance transfer fee 3%.
total saving:
$343
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:
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
  • 0% Intro APR for 15 months.
  • Earn cash back as you pay for your purchases.
  • No annual fee.

  • Balance transfer fee applies.
total saving:
$464
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:
2% Cash Back on up to $1,000 in combined purchases at Restaurants and Gas Stations every quarter - no sign-ups needed
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 months)3%0% (12 months)10.99% - 22.99% Variable*$0$0
Card Details:
  • New! Double all the cash back you´ve earned at the end of your first year automatically - only for new cardmembers.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed.* 1% cash back on all your other purchases.
  • 0% intro APR on purchases & balance transfers for 12 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.* Plus get 100% U.S.-based service.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won´t raise your APR.*
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, FICO® Credit Score terms & other info by clicking "Apply."
Our Expert Opinion
  • 2% cash back at gas stations and restaurants.
  • 0% intro APR on purchases & balance transfers for 12 months.
  • No foreign transaction fee.
  • No annual fee.

  • 3% balance transfer fee.
total saving:
$343
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:
Earn 20,000 Bonus ThankYou® Points
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 months)26
3%0%
(12 months)26
12.99% -
22.99%26 (Variable)
$026$0
Card Details:
  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening - redeemable for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness.26
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.26
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment.
  • 1 ThankYou Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points.
  • 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
Our Expert Opinion
  • Global acceptance with Chip Technology.
  • Earn ThanYou points on card purchases.
  • Points do not expire.
  • 0% intro APR on purchases and balance transfers.

  • Balance transfer fee applies.
total saving:
$343
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

latest news:

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Citi Simplicity: 21 months interest free with no late fees and no penalty APRCiti Simplicity: 21 months interest free with no late fees and no penalty APR

The Simplicity card from Citi lives up to its name – a simple card with a few great benefits. A 0% introductory interest offer on balance transfers and purchases, plus no late fees or penalty APR, make this card stand out from the rest. Continue reading

More balance transfer research

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 Video

Balance Transfer: Save on Average $1,400

May 08, 2015

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Balance Transfer

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