Balance Transfer Credit Cards

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Balance transfer credit cards offer a great way to consolidate high interest debt, transfer home equity loan balances to 0% APR interest rates, or to simply put the money in a savings account to earn interest. Whatever you chose, 0% balance transfers give you access to money with no interest. Listed below are some of the best no interest credit card offers available, along with an easy and secure way to apply online for these money saving cards.

Balance Transfer Credit Cards–Editor’s Picks

One of the absolute best credit cards is the Kiva credit card by Advanta. In addition to a 15 month 0% balance transfer offer, it offers rebates on a variety of purchases, including contributions you make to charity. In addition, the card matches contributions you make to Kiva, up to $200 per month! You can read a more detailed review of the Kiva card and its 0% APR 15 month offer, or use the link below to apply for the card online.

Kiva Credit Card
	0% Intro APR on balance transfers for 15 months No annual fee Get 5% Statement Credit on Your First $1,200 Each Year in Grants to Kiva, Charitable Donations and Other Purchases $0 Fraud Liability Advanta Will Match Your Grant to Kiva…Dollar for Dollar

Intro APR	Intro Period	Balance Transfer Fee	Annual Fee	Regular APR	Rewards Feature
0%	15 Months	3% ($90 max)	$0	7.99%	Up to 5%

If you are a small business owner, the Kiva credit card is also available as a BusinessCard with the same great terms. As good as the Kiva card is, it may not be right for everybody. So listed below are some great zero percent balance transfer cards organized by the length of the 0% APR offer (15 months, 12 months, and finally, 6 months)

15 Month Balance Transfer Offers

As with the Kiva BusinessCard, all of the 15 month balance transfer offers currently available are with Advanta, a card issuer focusing on small businesses.

Platinum BusinessCard with Unlimited Rewards

Intro APR: 0%
Balance Transfer Term: 15 Months
Annual Fee: $0
Regular APR: 7.99% Variable
Bonus Feature: Rewards program redeemable for travel, gift certificates, merchandise, and checks in $50 increments once 5,000 points are earned.

Advanta Customizable Platinum BusinessCard with Unlimited Rewards

Intro APR: 0%
Balance Transfer Term: 15 Months
Annual Fee: $0
Regular APR: 7.99% Fixed
Bonus Feature: Rewards program redeemable for travel, gift certificates, merchandise, and checks in $50 increments once 5,000 points are earned.

12 Month Balance Transfer Offers

Citi® Platinum Select® MasterCard®

Intro APR: 0%
Balance Transfer Term: Up to 12 Months
Annual Fee: $0
Regular APR: As low as 7.49%

Here are some additional cards from Citibank that offer a 0 APR for up to 12 month balance transfer feature:

AT&T Universal Savings
No annual fee
Reg APR: As low as 7.99%
Citi Diamond Preferred Rewards Card
No annual fee
Reg APR: As low as 10.24%

Discover® More(SM) Card - Wildlife Collection

Intro APR: 0%
Balance Transfer Term: 12 Months
Annual Fee: $0
Regular APR: 10.99%
Bonus Feature: 5% to 20% Cashback Bonus® at Top Online Retailers

To apply for a different edition of the Discover More Card with the same terms, click on any one of the following card images:

Chase TravelPlus Visa® Card

Intro APR: 0%
Balance Transfer Term: 12 Months
Annual Fee: $0
Regular APR: 10.49%
Bonus Feature: 0% for 12 months on purchases, too

6 Months Balance Transfer Offers

For six month 0% APR transfer offers, there are numerous options, including cards issued by regional and smaller banks:

Discover More Card 6 Month 0% Balance Transfer

Miles by Discover Card 6 Month 0% Balance Transfer

Discover Open Road Card 6 Month 0% Balance Transfer

Chase PerfectCard MasterCard

It is important to remember that some of these offers come with additional benefits, such as travel rewards and even cash back. Many balance transfer credit cards also come with a transfer fee, so be sure to check out the terms and conditions when you apply for a card.

As you consider which balance transfer credit card is best for you, keep in mind the following:

• Length of 0% APR: It is important to take note of how long the 0% balance transfer offer is in effect. While generally the longer the better, keep in mind that for some of the longer offers, the credit card companies do not extend as high a credit limit. Also, the balance transfer may be just one of the features that are important to you.
• Travel rewards: Many of these cards also offer various travel rewards and rebates that may be important to you. If travel reward offers are really important to you, check out our page on travel reward credit cards.
• Cash back rebates: Many cards also offer cash back rebates or statement credits. If cash back interests you, then you may be willing to accept a slightly shorter balance transfer offer.

As the terms and conditions of credit cards can change without notice, make sure you confirm the terms of the 0% offers during the application process.