0% Intro APR on Balance Transfers
- Compare credit cards offering 0% APR on balance transfers for 12 - 18 months
- Expert and Independent ratings & consumer reviews
- Secure and immediate online application process
Citi Simplicity® Visa Card
- Intro APR 0% for 18 Months*
- Intro BT APR 0% for 18 Months*
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
- 5% Back Each Month - Get 5% of your required Minimum Payment Due back as a statement credit each month when you pay more than the minimum due on time.
- Peace of mind through direct access to a service representative, no late fees and no penalty rate
- No annual fee
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 18 Months* | 0% for 18 Months* | 12.99%-21.99% (Variable)* | None | Excellent - Good |
Capital One® Platinum Prestige Credit Card
- Intro APR 0% until September 2013
- Intro BT APR 0% until September 2013
- 0% intro APR until September 2013 on balance transfers
- 0% intro APR until September 2013 on purchases
- No annual fee
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel & emergency assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Travel accident insurance
- Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% until September 2013 | 0% until September 2013 | 10.90%-18.90% (Variable)* | None | Excellent |
Discover® More® Card
- Intro APR 0% for 15 Months*
- Intro BT APR 0% for 15 Months*
- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 15 Months* | 0% for 15 Months* | 10.99-20.99% (Variable)* | None | Excellent |
Updated by Chris Mettler on
An Overview of Balance Transfer Credit Cards and Options
A great way to consolidate and substantially reduce your credit card debt is to take advantage of generous 0% balance transfer credit cards. These cards use a promotional rate that is irresistible in order to attract new card members, and card companies also extend 0% balance transfer credit card rates as a way to persuade you to bring them business that you are currently giving to their competitors.
But to make a transfer strategy work for you, instead of for your bank, you need to carefully choose the best 0% balance transfer credit cards you can find. There are some key features that you should look for when shopping around for really great no balance transfer fee credit cards. Study the small print, for example, because cards all charge a fee to do a balance transfer. Some charge quite a lot, up to 5 percent of the amount transferred, whereas others charge as little as 2 or 3 percent. That can make a big difference.
You also want to get the longest timeframe possible before the intro rate on your 0 transfer credit cards expires and reverts to a much higher interest rate. That gives you more time to pay off your transferred balance in full so that you never incur those high rates. Most cards offer zero interest transfer rates of around six months, but better deals extend that to a full year. The best credit cards will even give you up to 18 months, so if you qualify for one of those it may be your best bet.
