0% Balance Transfer Credit Cards Overview

Balance transfer credit cards offering a 0% APR for a full 12 months have become a bit of a rarity since the passage of the CARD Act. Many credit card companies shortened 0% interest rate periods to an average of 6 months, leaving very few options for people looking to save money with 0% balance transfers.

To make things a little more complicated, a number of companies advertise 0% balance transfers for up to 1 year, but only grant these rates for as little as 6 months, thanks to some fine print trickery (which is pointed out on this site.) The difference between a 0% balance transfer card that lasts 1 year and one that lasts 6 months is substantial. With a 0% for 1 year, a person with a 15% rate can save about $100 for every thousand dollars transferred-and this assumes a 5% balance transfer fee. With a 0% APR balance transfer that lasts only 6 months, the same person will only save about $40 per $1000 transferred.

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

Best Balance Transfer Offers

Discover® More® Card Editor’s Pick for Best Balance Transfer Card: Offers a 0% Intro APR on balance transfers for a FULL 12 months and a 0% APR on purchases for 6 months, plus a long term interest rate as low as 11.99% variable*.	Citi® Platinum Select® MasterCard® This balance transfer card offers a 0% APR for up to 15 months based on your credit. People with excellent credit may get a 0% for 15 months, while people with good credit may only get a 0% for 7 months.	Bryant State Bank MasterCard® This balance transfer card charges a 3.25% intro rate on balance transfers for 6 months and charges no transfer fees, but a $20 annual fee. Good for people who can repay balances in 6 months.*

Other Balance Transfer Credit Cards

0% Balance Transfer Credit Card Resources

Best Balance Transfer Credit Card: Learn which credit card our Editor considers to be the safest and most reliable offer for 0% balance transfers.

Balance Transfer Savings Calculator: Find out much a 0% balance transfer credit card can help you save by plugging in your current credit card balances and interest rates.

Balance Transfer Credit Card Tips: Learn how to avoid making a costly balance transfer mistake.