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0% APR Balance Transfer Credit Cards

Advertising Disclosure *Advertising Disclosure: SmartBalanceTransfers.com is an independent, advertising-supported comparison service. SmartBalanceTransfers.com receives compensation from the credit card issuers whose credit card offers appear on the website. The compensation may impact the order in which they appear within listing categories. SmartBalanceTransfers.com does not include the entire universe of available credit or financial offers.

About Editor’s Picks: Our editor selects credit cards based on the features the credit card offers consumers, including introductory rates, fees, long term interest rates, and its relative value compared to competing offers. While this site receives remuneration from credit card companies, our rankings strive to objectively provide consumers with relevant, unique options.

In this section, you will find 0% APR balance transfer credit card offers. Despite the middling economy, a number of credit card companies continue to offer generous 0% APR balance transfer deals. Some companies have straightforward offers that last a full 18 months. Others advertise 0% APR balance transfers that can last up to a certain number of months, but only grant the longest advertised rates to consumers with 800+ credit scores. Be sure to read the fine print so you can avoid these less than ideal balance transfer offers.

Transferring balances to a credit card that offers a 0% APR on balance transfers for 18 months or more can provide substantial savings. If you have $5,000 in credit card debt and an interest rate of 15%, an 18 month balance transfer could save you as much as $700 in interest. Using the money you save, it is possible to reduce credit card debt by close to 50% during the course of your 0% APR balance transfer.

Below you can compare the details of leading 0% APR balance transfer credit cards. Once you’ve found the right card, click apply to access the online application and start saving money on interest.

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Recommended 0% APR Balance Transfer Offers

Low and No Fee Balance Transfers 0% APR Balance Transfer Offer Low and No Fee Balance Transfers
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Editor’s Pick*: Offers a 0% APR for 15 months on purchases and balance transfers with no transfer fees and a regular APR of 12.99%, 17.99%, 22.99% (V)*.
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Citi Simplicity® Card
Editor’s Note: 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.
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image BankAmericard® Visa® Card image
Editor’s Note*: 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% – 20.99% variable APR*
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Choosing a Balance Transfer Credit Card

From the Editor: Credit card companies that advertise 0% APR balance transfers for “up to” a certain number of months may actually approve your application, but only grant you a 0% APR for as little as 6 months. The length of the 0% APR period with these offers is determined when your application is reviewed. In order to avoid rate shock, I recommend choosing cards from Citibank, Chase and Discover, all of whom advertise and deliver on the longest 0% APR balance transfer periods presently available to approved applicants.

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Additional Offers


  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment, APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • 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.
  • 100% U.S.- based customer service— day or night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed
0% for 14 months*
0% for 14 months*
10.99% - 22.99% Variable*
$0
Excellent Credit

  • 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*
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed
0% for 15 months*
0% for 15 months*
12.99% - 22.99% (Variable)*
$0*
Excellent Credit

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed
0% for 12 billing cycles*
0% for 12 billing cycles for qualifying balance transfers*
12.99% - 22.99% Variable on purchases & balance transfers*
$0
Excellent Credit

  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment, APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • 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.
  • 100% U.S.- based customer service— day or night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed
0% for 14 months*
0% for 14 months*
10.99% - 22.99% Variable*
$0
Excellent Credit

  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between 4/1/15-6/30/15 at Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®.
  • You'll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire as long as your account is open
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed
0% for 15 months*
0% for 15 months*
13.99% - 22.99% Variable*
$0
Excellent/Good

  • No annual fee & unlimited 1.5x Miles on every dollar you spend on purchases. 0% intro APR on purchases for 12 months—then a variable purchase APR applies, currently 10.99% - 22.99%.
  • Exclusive Double Miles Offer: At the end of your first year—when other Miles cards charge an annual fee—Discover doubles all the Miles you've earned.*
  • 100 Miles = $1 value. Redeem Miles in any amount toward travel purchases on your statement. Or get cash as a direct deposit to your bank account.*
  • Discover pays you back for your in-flight Wi-Fi fees—up to $30 a year—with an automatic statement credit.*
  • Free FICO® Credit Score on your monthly statements, on mobile app and online.*
  • 100% U.S. based service at your dedicated phone number—day and night.
  • Free overnight shipping of replacement cards to any U.S. street address at your request. And you're never responsible for unauthorized purchases on your Discover card.*
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply Now." See complete Discover it® Miles details.
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed
0% for 12 months*
10.99% for 12 months*
10.99% - 22.99% Variable*
$0
Excellent Credit

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0% APR Balance Transfer Tips

Balance Transfer Tip 1: When you apply for a 0% APR balance transfer online, some companies will give you the option of transferring balances with your application. Don’t do it. Apply online, then wait for your credit card to arrive in the mail.

The key reason to wait until your card arrives before doing balance transfers is that some companies advertise a 0% APR on balance transfers for up to 12 months, but may only grant you a 0% rate for as little as 6 months. By waiting until your card arrives, you can make sure you get the deal you wanted.

Balance Transfer Tip 2: If you know you’ll be able to pay off your credit card before the 0% APR balance transfer period ends, the company you choose doesn’t really matter. However, if you think you’ll need a little extra time, it may be better to choose a good company instead of the one that offers the most tantalizing deal.

I’ve recommended Discover since I first started Smart Balance Transfers in 2007. In 2008 and 2009, when most credit card companies were generating hundreds of complaints on our blog, nobody had issues with Discover. Because of this, I have a strong bias towards Discover. They respect their customers and I respect them for doing so.

Balance Transfer Tip 3: If you have large balances, you might need more than one balance transfer credit card. Credit card companies aren’t as generous with credit limits as they used to be, so getting an initial credit limit of more than $5,000 may prove difficult.

If you need two cards, you might want to consider applying simultaneously. This can give you the opportunity to evaluate the long term interest rates and terms of two cards and choose the best one to use for your balance transfer. Most credit card companies offer a range of long term interest rates that apply after the 0% APR balance transfer period ends; most also do not reveal your long term APR until after your application has been processed. So even if you don’t need two cards to get enough credit, it may be worthwhile to apply for two cards and choose the best long term deal.

*Important Disclaimer: See credit card applications for complete terms and conditions. While Smart Balance Transfers makes reasonable efforts to maintain accurate information, all credit card information is presented without warranty. When you click an “Apply” button, you can review the credit card terms and conditions on the issuing company’s web site.