0% APR Balance Transfer Credit Cards

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.

Recommended 0% APR Balance Transfer Offers

Chase Slate®

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)*.

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. 3% transfer fee

Discover it®

Editor’s Note: 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99% – 22.99% Variable*.

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.

Additional Offers

BankAmericard® Credit Card

  • 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. 3% fee (min $10) applies to balance transfers.
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Zero liability fraud protection, so you’re not responsible for any fraudulent charges made on your account
  • Now with chip technology for enhanced security and protection at chip-enabled terminals

Purchases Intro: 0% for 15 billing cycles*

Balance Transfers Intro: 0% for 15 billing cycles for qualifying balance transfers*

Regular APR: 10.99% – 20.99% Variable on purchases & balance transfers*

Annual Fee: $0

Credit Needed: Excellent Credit

BankAmericard Cash Rewards™ Credit Card

  • $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: 0% for 12 billing cycles*

Balance Transfers Intro: 0% for 12 billing cycles for qualifying balance transfers*

Regular APR: 12.99% – 22.99% Variable on purchases & balance transfers*

Annual Fee: $0

Credit Needed: Excellent Credit

Citi® Double Cash Card

  • 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: 0% for 15 months*

Balance Transfers Intro: 0% for 15 months*

Regular APR: 12.99% – 22.99% (Variable)*

Annual Fee: $0*

Credit Needed: Excellent Credit

Discover it®

  • 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.
  • Exclusive offer: Double all the cash back you’ve earned at the end of your 1st year—automatically.*
  • 5% cash back in categories that change each quarter like gas, restaurants and more—up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • 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, free FICO® Credit Score terms & other info by clicking “Apply.”

Purchases Intro: 0% for 12 months*

Balance Transfers Intro: 0% for 12 months*

Regular APR: 10.99% – 22.99% Variable*

Annual Fee: $0

Credit Needed: Excellent Credit

Citi® Diamond Preferred® Card

  • 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.*
  • 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*

Purchases Intro: 0%* for 21 months*

Balance Transfers Intro: 0%* for 21 months*

Regular APR: 11.99%-21.99% (Variable)*

Annual Fee: $0*

Credit Needed: Excellent Credit

Discover it® Miles

  • 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.*
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • 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: 0% for 12 months*

Balance Transfers Intro: 10.99% for 12 months*

Regular APR: 10.99% – 22.99% Variable*

Annual Fee: $0

Credit Needed: Excellent Credit

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.

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