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

 

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4.2/5.0 from 2,007 Offer Ratings
Over the Past 60 Days!

(2,007) 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 13.49% - 23.49%* (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 13.49%-23.49% 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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Discover it® - 18 Month Balance Transfer Offer

 

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Your Rating:

3.7/5.0 from 197 Offer Ratings
Over the Past 60 Days!

(197) 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
  • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

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Citi® Double Cash Card – 18 month BT offer

 

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4.5/5.0 from 788 Offer Ratings
Over the Past 60 Days!

(788) 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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Citi Simplicity® Card - No Late Fees Ever

 

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Your Rating:

3.8/5.0 from 1,021 Offer Ratings
Over the Past 60 Days!

(1,021) 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 14.49% - 24.49% (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 14.49% - 24.49% 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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Blue Cash Everyday® Card from American Express

 

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Your Rating:

3.8/5.0 from 463 Offer Ratings
Over the Past 60 Days!

(463) Over the Past 60 Days!
  • Welcome Offer $100 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
  • $100 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 12 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:

3.9/5.0 from 406 Offer Ratings
Over the Past 60 Days!

(406) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Cell Phone Protection Covers damage & theft, up to $600 per claim*
  • 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

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HSBC Platinum Mastercard® credit card

 

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Your Rating:

3.8/5.0 from 39 Offer Ratings
Over the Past 60 Days!

(39) Over the Past 60 Days!
  • Intro Purchase APR 0% for 18 months
  • Intro BT APR 0% for 18 months
  • Regular APR 13.99%, 17.99% or 23.99% Variable APR
  • Annual Fee $0
  • Credit Needed Good, Excellent
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Introductory APR on credit card purchases and balance transfers for the first 18 months from Account opening. After that, a variable APR of 13.99%, 17.99% or 23.99%, will apply.
  • No annual fee.
  • No foreign transaction fees.
  • Make purchases the way you want — mobile payment enabled supporting Android Pay™, Apple Pay™ and Samsung Pay™.
  • Shop with confidence knowing that your purchases are covered with our valuable protection programs.
  • Fraud coverage if your card is ever lost or stolen.
  • Use online banking to access your account, even from your smartphone, with our mobile app.
  • Terms Apply.
  • See additional HSBC Platinum Mastercard® credit card details

See additional details for HSBC Platinum Mastercard® credit 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 Stuart Droker

By: | May 8, 2016

Which card offers 0% charge for the transfer and has the longest payback period

1 Reply

By: CompareCards | May 9, 2016

Hi Stuart,

The Chase Slate card charges no transfer fee for balance transfers made within the first 60 days and it also comes with 0% intro APR for 15 months.

Picture of Laura Rios

By: | May 3, 2016

I think that it is important to keep track of your credit. Being able to compare cards helps you get the best deal for your situation. Finding a card with a low interest rate is important. For that reason keeping up with the options that all the cards offer is important. Sticking with one card out of loyalty simply because you have had it for years is always going to be the best option for you.

Picture of Althea Ann

By: | Apr 28, 2016

Hi! I have excellent credit, but just recently made some large purchases. I'd like to transfer some balances and take a few months to pay them off. It looks like the QuicksilverOne is the only card currently offering a no-fee balance transfer, and the $39. annual fee is less than what it would cost to transfer to my existing Slate card at 2%. However, the QuicksilverOne says it's for people with bad credit. Will it hurt my credit to apply for the card? Is there any other reason I should not consider it?

Picture of Margaret Riley Gibson

By: | Apr 14, 2016

Are you able to transfer more than one credit card?

Picture of Corey Bender

By: | Apr 11, 2016

I am going through a divorce and my wife has wrecked my credit. I'm trying to get my finances back on track, but the interest is killing me. I only have fair credit. Is there a 0% APR card balance for 15-18 months that caters to fair credit?

1 Reply

By: CompareCards | Apr 11, 2016

Hi Corey,

With fair credit, your options will be pretty limited in terms of which balance transfer credit cards you can get approved for. One good option for fair credit is the Capital One QuicksilverOne. Once your credit score gets into the upper 600s, you should apply for the Chase Slate card which comes with 0% APR for 15 months.

Picture of Jill Lindvall

By: | Apr 1, 2016

Is there a reputable credit card I can apply for, transfer the balance from another credit card and earn travel miles? Everything that I found says it has to be a purchase. Surely there's a credit card company who does this. Any help is appreciated.

Picture of Patricia Robinson-McBride

By: | Mar 17, 2016

is there a credit card I can apply for with a balance transfer with not transfer fee for 18 months/

2 Replies

By: CompareCards | Mar 18, 2016

Hi Patricia,

There isn't a card that has 0% APR for 18 months as well as no balance transfer fee. However, two good offers that come close are the Chase Slate and the Citi Simplicity. The Chase Slate card has no fee for balance transfers made within the first 60 days and 0% APR for 15 months. The Citi Simplicity has the longest intro APR on the market with 0% for 21 months, but there is a 3% balance transfer fee. Neither card comes with an annual fee.

By: Valerie Migotti | Mar 21, 2016

Try USAA Discover card. No interest no balance transfer fees

Picture of Robbin Griffin

By: | Jan 20, 2016

I have a Chase Visa card that I need to do a balance transfer with. What would be the best credit card to apply for? I know you can't do balance transfers on the same company card. A 0% apr for 18 months with no transfer fees would be optimum but will settle for less. Thanks.

1 Reply

By: CompareCards | Jan 21, 2016

Hi Robbin,

There isn't any card that meets the specific requirements you've requested, but the Citi Simplicity comes with 0% APR for 21 months, no annual fee, and a 3% balance transfer fee.

Picture of Kat Renee

By: | Jan 14, 2016

If I already have one Citibank card, can I apply for a different Citi Card and transfer my balance and still be eligible for the 0% for a certain amount of months?

2 Replies

By: CompareCards | Jan 18, 2016

Hi Kat,

Unfortunately, you cannot transfer balances between credit cards issued by the same bank. Since you're current card is with Citi, you won't be able to transfer the balance to another Citi card. I would recommend the Chase Slate card for a balance transfer credit card. It offers 0% APR for 15 months and no fee for transfers made within the first 60 days!

By: Stephan George | Jan 27, 2016

Normally, balance transfer offers aren't available within the same bank. You would need to go to another institution.

Picture of Johnnie Silva

By: | Jan 12, 2016

I don't have an active bank account, is it possible to still apply for a oan or credit card.

1 Reply

By: Debbye Dyer | Apr 27, 2016

Probably not possible. I think use of a bank account shows them stability.

Page:

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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