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 The Complete 0% APR Balance Transfer List
Below you will find a comprehensive list of credit cards currently offering a 0% APR on balance transfers for 1 year. We have highlighted the top offers, as these provide the best overall value. The remaining cards are categorized by issuing bank. To learn more about any of the 0% APR balance transfer offers below, click the card name to review the terms and conditions.
The Best Balance Transfer Credit Cards
Currently, we only recommend Discover® credit cards for 0% APR balance transfers. Our rationale is based on two key factors. First, unlike credit cards issued by Citi or Bank of America, all Discover® credit cards limit balance transfer fees to 3% with a maximum fee of $75 per transaction. Many Citi and Bank of America cards do not limit balance transfer fees. Secondly, many Citi and Chase credit cards offer 0% rates that vary based on your credit. It is possible with these cards to be approved and only offered a 0% APR for as little as 3 months. With Discover® you are guaranteed a 0% APR for 1 year on balance transfers if approved.
- Discover® MoreSM Card - Offers low fee balance transfers and a 0% APR on balance transfers for 1 year, plus a 0% APR on purchases for 1 Year.
Additional Discover 0% APR Balance Transfers
All Discover credit cards are currently offering a 0% APR on balance transfers for 1 year as well as a 0% APR on purchases for 6 months.
Bank of America 0% APR Balance Transfers
All of these credit cards offer a 0% APR for 1 year on balance transfers. Most cards offer a 0% APR on cash advances as well.
Chase 0% APR Balance Transfers
All of these credit cards offer a 0% APR for up to 1 year on balance transfers and purchases. Some may be approved and only offered a 0% APR on balance transfers for 3 months.
Citi 0% APR Balance Transfers
Many of these credit cards offer a 0% APR on balance transfers and purchases. However, some of these credit cards have no limits on balance transfer fees. Thus, if you are making balance transfers in excess of $2500, you may want consider a credit card with a lower balance transfer fee from a different credit card issuer.
Which Balance Transfer Credit Card is Best?
Sorting through a long list of credit card names is probably not the easiest way to find a good balance transfer credit card. However, by making the list available, we feel it gives our visitors a broad range of balance transfer choices. In our opinion, the cards listed at the top of the page offer the best deals and have the least hidden fees. However, the best deal for you may be a credit card that offers a 0% APR on both purchases and balance transfers. Here is a short list of credit cards that offer a 0% APR on purchases and balance transfers:
- Discover® MoreSM Card - Offers low fee balance transfers and a 0% APR on balance transfers for 1 year, plus a 0% APR on purchases for 1 Year.
- Chase Platinum Visa® Card - This card offers a 0% APR on both purchases and balance transfers for 1 year. However, it is possible to only get a 0% APR on balance transfers for 3 months.
- Citi® Platinum Select® Card - While this card offers a 0% APR on purchases and balance transfers for 1 year, there is no limit on balance transfer fees, which can be costly if transferring a large balance. Also, you may be approved and only offered a 0% APR on purchases and balance transfers for 6 months.
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