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Citi Simplicity® Card - No Late Fees Ever

 

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3.7/5.0 from 2,087 Offer Ratings
Over the Past 60 Days!

(2,087) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 14.99% - 24.99% (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 877-886-4537 TTY: Use Relay Service
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% 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 same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

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Citi® Double Cash Card – 18 month BT offer

 

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4.5/5.0 from 709 Offer Ratings
Over the Past 60 Days!

(709) Over the Past 60 Days!
  • Intro APR 0%* for 18 months on Balance Transfers*
  • Rewards Rate Earn 1% on Purchases & 1% on Payments
  • Regular Purchase APR 14.49% - 24.49%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent, Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 888-343-4081 TTY: Use Relay Service
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro  APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

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Discover it® - 18 Month Balance Transfer Offer

 

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Your Rating:

4.0/5.0 from 261 Offer Ratings
Over the Past 60 Days!

(261) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% for 18 Months*
  • Rewards Rate Up to 5% cash back in bonus categories, 1% on everything else*
  • Exclusive Bonus Offer Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically*
  • Annual Fee $0
  • Credit Needed Excellent/Good Credit
  • Card Brand Discover

Highlights

  • Click "APPLY NOW" to apply online or call 888-333-5886
  • Transfer more than just credit card balances!
  • Discover offers tools to help you pay down your balance: create a customized plan on our website to work off your balance and help meet your financial goals.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • No annual fee.
  • While you pay down your balance, keep your Discover it® ready to use on everyday purchases that earn generous rewards, plus more great benefits.
  • New! Receive FREE Social Security number alerts— Discover will monitor thousands of risky websitewhen you sign up.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

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BankAmericard® Credit Card

 

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Your Rating:

3.8/5.0 from 399 Offer Ratings
Over the Past 60 Days!

(399) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days
  • Balance Transfer Fee $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10)
  • Regular APR 12.99% - 22.99% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 800-483-4499
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR
  • $0 Intro balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

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Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases

 

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Your Rating:

4.2/5.0 from 1,233 Offer Ratings
Over the Past 60 Days!

(1,233) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 13.99% - 23.99%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 877-836-4537 TTY: Use Relay Service
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness* 
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer 
  • Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions 
  • No annual fee*
  • Free access to FICO® Scores*

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Blue Cash Everyday® Card from American Express

 

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Your Rating:

3.8/5.0 from 534 Offer Ratings
Over the Past 60 Days!

(534) Over the Past 60 Days!
  • Welcome Offer $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Bonus Cash Back 3% at U.S. supermarkets on up to $6,000 per year in purchases*
  • Rewards Rates 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees

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Wells Fargo Platinum Visa® Card

 

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Your Rating:

4.0/5.0 from 381 Offer Ratings
Over the Past 60 Days!

(381) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 16.15%-25.99% (Variable)*
  • Annual Fee $0
  • Credit Needed Excellent
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

See additional details for Wells Fargo Platinum Visa® Card

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*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

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Picture of Debbie Swanberry

By: | Feb 26, 2017

Hi, My credit score is 810 I would like to transfer a balance of $5000.00. I already have A Citi Diamond Card (which has a balance of $5000) can I still apply for the transfer with no transfer fee and no interest for 15 months?

1 Reply

By: CompareCards | Feb 27, 2017

Two cards that would both be great options for you are the Chase Slate card and the Barclaycard Ring Mastercard. Each of these cards offer 0% intro APR for 15 months, no annual fee, and no intro balance transfer fee.

Picture of Riya Saha

By: | Feb 24, 2017

Very good service and very easy way to transfer money.

Picture of Paul Pitts

By: | Feb 21, 2017

My wife and I would like to transfer our credit cards to 1 card. no transfer fee, 0 % apr for atleast 18 months. Our debit is less than $5000 and I'm not overly concerned with cash back rewards, but would like monthly credit reports included. We've agreed to cancel ALL (about6) other credit cards upon transferring to the new card.

1 Reply

By: CompareCards | Feb 23, 2017

There is no one credit card that has both 0% intro APR for 18 months and no balance transfer fee, but there are two cards that come very close. The Chase Slate card and the Barclaycard Ring Mastercard both offer no intro balance transfer fee and 0% intro APR for 15 months. They both also come with a free monthly credit score!

Picture of Stephen Chen

By: | Feb 20, 2017

I have a Cap One Venture card with $5500 balance as of Feb.,20, 2017. The 0% interest rate on this card expires in April, 2017. We filed a Chap 7 business bankruptcy discharged in 2011. Currently both my wife and I have have 720+ credit rating as of Feb., 2017. Wold like to transfer the balance from Cap One Venture card for 12 months at 0% interest.

1 Reply

By: CompareCards | Feb 22, 2017

There are many credit cards that might fit your needs. With a credit score of 720, your credit is considered good and approaching excellent. A few of the best options for you would be the Chase Slate card, the BankAmericard Credit Card, or the Citi Simplicity.

Picture of Leona Stamper

By: | Feb 15, 2017

I WOULD LIKE TO TRANSFER A BALANCE OF $5000 TO A NO FEE TRANSFER AND NO INTEREST FOR AT LEAST 15 MONTHS...CREDIT SCORE OF 706..WHAT DO YOU SUGGEST?

1 Reply

By: CompareCards | Feb 16, 2017

Two credit cards that meet the criteria you're looking for would be the Chase Slate card and the Barclaycard Ring MasterCard. Check out these two offers as a place to start!

Picture of Michelle Hinojosa

By: | Feb 12, 2017

My credit score is 702 and I would like to transfer 13,000 to a credit card with interest fee, no transfer fees, for about 21-24 months. Which credit card is good for me?

1 Reply

By: CompareCards | Feb 16, 2017

There is no one card that meets all of the criteria you are looking for, but a few credit cards come very close. Both the Chase Slate card and Barclaycard Ring Mastercard offer 0% intro APR on balance transfers for 15 months and have no intro balance transfer fee. If you would like a longer intro APR, the Citi Diamond Preferred, Citi Simplicity, and Discover It - 21 Month Balance Transfer Offer each offer 0% intro APR for 21 months, but they also have a 3% balance transfer fee.

Picture of Erin Hines

By: | Feb 9, 2017

I want to transfer my $5,000 Best Buy CC balance to a 21 month 0% APR card with good perks and benefits if i use it also for long term expenses, not just to balance transfer. Credit score 750. What would you recommend i look at?

1 Reply

By: CompareCards | Feb 14, 2017

It sounds like the Discover It - 21 Month Balance Transfer Offer would be the perfect fit for you. As the name implies, this card offers 0% intro APR for 21 months on balance transfers. It also comes with a generous cash back rewards program and Discover's award-winning customer service!

Picture of Weldon Jones

By: | Feb 3, 2017

i have 4 credit cards that i am wanting to transfer to only one credit card so what credit card will take all 4 with a no transfer fee

1 Reply

By: CompareCards | Feb 6, 2016

If you're looking for no balance transfer fee, the Chase Slate card or Barclaycard Ring MasterCard will be your best options. Both of these cards also come with 0% intro APR for 15 months and no annual fee!

Picture of Chelsea Lennon

By: | Jan 29, 2017

I want to transfer $720 to a 0% credit card for about 14 months. i have four cards right now! what will be best for me?

1 Reply

By: CompareCards | Jan 30, 2017

It sounds like the Chase Slate would be the perfect card for you! This card comes with 0% intro APR for 15 months, no annual fee, and no fee for balance transfers made within the first 60 days.

Picture of Joan Shetterly

By: | Jan 27, 2017

Are there any 0 balance transfer cards with no transfer fee?

1 Reply

By: CompareCards | Jan 27, 2017

The Chase Slate is the only card that offers 0% intro APR and no intro transfer fee for balance transfers made within the first 60 days.

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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Compare 0% Balance Transfer Credit Cards & Offers

One of the main reasons that people shop for a new credit card is in order to find banks that offer special 0% balance transfer credit cards for the longest period of time and with low transfer fees. In recent years consumers have started to use credit cards more wisely than they did before the big credit crisis. Now they tend to shift high-interest card balances to cards that offer a lower APR, because in doing so they are able to gain immediate and substantial savings.

Use our free balance transfer calculator and credit card payoff calculator found on this site to figure out how much money you can save by getting a better interest rate. Then look in this section for the best balance transfer credit cards that offer good deals such as 0% interest for 1 to 2 years, no-fee balance transfers, and lower regular APR rates. You will want to pay special attention to any minimum charges or transfer % that a credit card company might impose on you for transferring a balance – deduct that cost from your overall savings in order to arrive at a real net savings for transferring to a new credit card.

Let’s say that you have a card that you’re currently paying 25% interest on, but you find a card here that will only charge you 3.99% for the first year and 18% thereafter. By moving your balance to the new card you can save more than 20% right away, and 7% over the long term. If your transfer amount is $3,000 that means you save around $500– $600 in interest within the next 12 months.

Reviews
" " CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.

" " Those who always pay their balances in full and on time will usually come out ahead.

" " The offers on the credit card landscape are constantly changing which is great news for consumers.

" " In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.

" " CompareCards was one of three sites that met all the criteria.

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