0 APR Balance Transfer Credit Cards

Balance Transfer Credit Cards

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0% APR Balance Transfer Credit Cards

In this section, you will find credit cards that offer a 0% APR on balance transfers for up to 1 year. As a result of the credit crunch, many credit card companies have changed the duration of 0% balance transfer offers from a full year to as little as three or six months. Additionally, most credit card companies have eliminated no fee balance transfers, while some major banks are beginning to charge a 4-5% balance transfer fee. Fortunately, there are still a number of credit card companies offering 0% rates on balance transfers. However, it is more important than ever to take advantage of these rates, as credit card companies have become increasingly unwilling to provide low rates to all consumers, including those with good credit.

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

Top 0% APR Balance Transfer Credit Card Offers

0 APR Balance Transfers and Purchases

Biodegradable Discover® More
Our top pick offers a 0% APR on balance transfers for 9 months and a 0% APR on purchases for 6 months, then a long term APR as low as 11.99%.
0 APR Balance Transfer Credit Card Offer
Citi® Platinum Select® MasterCard®
Offers a 0% APR on purchases and transfers for either 6, 9, or 12 months based on a review of your credit. People with excellent credit will get better deals.
No Fee 0 APR Balance Transfer Offer
Visa Black Card
Offers a 0% APR for 6 months on no fee balance transfers, but charges a $495 annual fee, equal to the fee on a $15,000 balance transfer.
No Fee Balance Transfer Offer
 

Additional 0% Balance Transfer Credit Cards


 



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Balance Transfers Tip: The TrueEarnings® Card from Costco and American Express offers a 1.99% APR on no fee balance transfers for 6 months as well as a 0% APR for 3 months on purchases. However, a Costco membership is required to complete this application. Also, due to current market conditions, consumers who do not expect to repay their balance in full within the introductory period can save significantly more by choosing a balance transfer credit card that offers a 0% APR and a low long term interest rate.

Sudent Balance Transfers Tip: The Citi® mtvU Platinum Select® Visa® Card for College Students offers a 0% APR on balance transfers for 6 months. Additionally, this card also offers a 0% APR on purchases. While this low rate may be tempting, it is unwise to add to your credit card debt just because you have a low rate in the short term. For additional tips and advice on student credit cards, please see the appropriate section of this website.

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0% Balance Transfer Articles

Balance Transfer Credit Card Application Tips: Getting a balance transfer credit card is not as easy as it was a few months ago. And, despite new credit card laws, credit card applications are as tricky as they've ever been. To help you avoid balance transfer credit card application traps, we've compiled a list of tips to help you get the most out of a money saving balance transfer.

The No Headache Balance Transfer Guide: As credit card companies continue to mistreat consumers, our longtime pick for the best balance transfer credit card is from the only company that hasn't generated complaints. Find out why we consider Discover the best company for balance transfers and how to avoid the bad banks so you can get the best deal on a balance transfer credit card.

Getting Out of Credit Card Debt with Balance Transfers: Getting out of credit card debt may seem impossible, but 0% balance transfers can help you become debt free faster while saving you hundreds of dollars in interest.

The Benefits of 0% APR Balance Transfer Credit Cards: Do you know how much money you waste on interest every year? For the average consumer, this figure is somewhere around $140 for every $1000 of credit card debt. This means that someone with $3,000 in debt spends over $400 a year on interest. Learn more about the benefits of 0% APR balance transfers.

0% APR Balance Transfers vs No Fee Balance Transfers: Now that credit card companies have pulled the plug on no fee balance transfer deals, the best balance transfer option is to find a credit card that offers a 0% APR for an entire year. Learn more about 0% APR balance transfers.

Recent Balance Transfer Blog Postings

Please Get out of Credit Card Debt Now: With credit card companies making it more and more difficult to obtain 0% balance transfers, consumers considering a balance transfer should act sooner rather than later, as these offers may not be available for much longer.

Balance Transfers Will Help You Get Our of Debt Faster: In this blog posting, we looked at how long it would take a person with $10,000 in credit card debt to become debt free with and without a 0% balance transfer. Unsurprisingly, using balance transfer credit cards cut the time it would take to get out of debt in half, while saving thousands of dollars in interest.

Bank of America Raises Balance Transfer Fees: On June 1st, Bank of America raised balance transfer fees (and cash advance fees) to 4% of the transaction with no maximum. In the monkey see, monkey do world of credit cards, it is only a matter of time before other credit card companies increase balance transfer fees.