0% APR Balance Transfer Credit Card Offers

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0% Balance Transfer OffersA 0% balance transfer credit card, if used correctly, can save you hundreds if not thousands of dollars in interest payments. Having taken advantage of multiple zero percent balance transfer offers from Citi, Chase, and Discover, I’ve learned how to find spot 0% balance transfer offers with a long introductory rate. To help you in your search for the top offers, we’ve created this page.

Below you’ll find our editor’s picks. The editor’s picks include the Discover it card, which leads the industry with its 0% APR balance transfer for 18 months. It’s worth bookmarking this page, as we regularly update the page with new offers. Finally, you’ll find some tips and tricks to help you make the most of the balance transfer offers you take advantage of.

Balance Transfer Offers

Card Name
0% Transfer Term (in months)
Links
Discover it™*
Discover it Balance Transfer Offer
Up to 5% Cash Back


18


Discover it Zero Percent Balance Transfer
U.S. Bank Visa® Platinum Card
U.S. Bank Visa Platinum Card

15 Billing Cycles

Capital One Platinum Prestige Balance Transfer

Here are more details on the editor’s picks above as well as other options:

Discover it®
Discover it®
Apply Now...
at Discover's
secure site
  • 0% intro APR on balance transfers for 18 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Rated 4.8 out of 5 Stars by over 5,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won’t go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • 100% U.S.- based customer service-anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0% 6 Months 0% 18 Months 10.99% – 22.99%* Variable $0
741 Average credit score approved for this card† 702 Lowest credit score approved for this card†

The CarnivalTM MasterCard®
The Carnival<sup>TM</sup> MasterCard®
Apply Now...
at Barclaycard's
secure site
  • 0% APR on purchases and balance transfers for the first 12 months after account opening (after that a variable APR currently 13.99% - 20.99% depending on your creditworthiness)
  • Earn 5,000 bonus points when you use your card for the first time
  • Earn DOUBLE points on any CarnivalTM purchase
  • Earn 1 point per $1 spent everywhere else
  • Redeem points for cruises on CarnivalTM or other eligible World’s Leading Cruise Lines vacations, hotel or flight discounts, onboard gifts and services, merchandise or gift cards
  • No Annual Fee
  • Please see terms and conditions for complete details
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0% 12 Months 0% 12 Months 13.99%, 16.99% or 20.99%* Variable $0
696 Average credit score approved for this card† 613 Lowest credit score approved for this card†

Priceline Rewards™ Visa® Credit Card
Priceline Rewards™ Visa® Credit Card
Apply Now...
at Barclaycard's
secure site
  • No Annual Fee
  • Earn 5,000 bonus points after your first purchase
  • Earn 5X points on Priceline.com purchases
  • Earn 1 point on everything else. And there’s no limit to the number of points you can earn!
  • Plus, earn an additional 5,000 bonus points after spending $1,000 on qualifying transactions in the first 90 days of account opening
  • Your points can act like cash - Redeem points for statement credits against purchases made on your account
  • Please see terms and conditions for complete details
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0% 12 Months 0% 12 Months 14.99% or 21.99%* Variable $0
714 Average credit score approved for this card† 644 Lowest credit score approved for this card†

U.S. Bank Visa® Platinum Card
U.S. Bank Visa® Platinum Card
Apply Now...
at US Bank's
secure site
  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0% 15 Months 0% 15 Months 9.99% – 23.99%* Variable $0
712 Average credit score approved for this card† 649 Lowest credit score approved for this card†

Barclaycard Arrival™ World MasterCard®
Barclaycard Arrival™ World MasterCard®
Apply Now...
at Barclaycard's
secure site
  • Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days - that's enough to redeem for a $200 travel statement credit
  • 0% intro APR on balance transfers and purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
  • Earn 2X miles on travel and dining and 1X miles on all other purchases
  • Miles don't expire as long as your account is open, active and in good standing
  • Book the travel you want - airfare, hotels, cruises and more and earn miles on your purchase
  • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
  • No foreign transaction fees on anything you buy while in another country
  • Complimentary online FICO® Score access for Barclaycard Arrival cardmembers
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0% 12 Months 0% 12 Months 14.99% or 18.99%* Variable $0
714 Average credit score approved for this card† 677 Lowest credit score approved for this card†

The US Airways® Premier World MasterCard®
The US Airways® Premier World MasterCard®
Apply Now...
at Barclaycard's
secure site
  • Earn 40,000 bonus miles after your first purchase and payment of the $89 annual fee*
  • First checked bag FREE on eligible bags for you and up to four companions on domestic US Airways operated flights
  • One companion certificate good for up to 2 guests to travel with you on a US Airways operated flight at $99 each, plus taxes and fees
  • Priority boarding Zone 2 on US Airways operated flights
  • Redeem miles for award travel on US Airways and American Airlines booked through usairways.com or US Airways Reservations
  • Earn miles on every purchase with 2 miles for every $1 you spend on US Airways purchases and 1 mile for every $1 on purchases everywhere else
  • Please see terms and conditions for complete details
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A 0%* 15 Months 15.99%, 19.99% or 24.99%* Variable $89
709 Average credit score approved for this card† 607 Lowest credit score approved for this card†

0% Balance Transfer Tips and Tricks

  1. The length of the offer: To state the obvious, the longer the 0% offer lasts, the better. Today, the longest offers are 18-month deals from Citi and Discover (see above). While this is not the only factor to consider when choosing a card, it’s obviously one of the most important.
  2. Watch the balance transfer fees: All balance transfer credit cards charge a fee for the balance transfer, except for the Slate® from Chase. So make sure you read the fine print so that you know what fees you’ll be charged. I’ve seen some balance transfer offers that charge such a high fee that it turns a 0% offer into something more like six or eight percent. All of the credit cards we list here charge a reasonable fee, typically between 3% and 5% of the amount transferred.
  3. Never use a 0% balance transfer offer to increase the total amount of your debt: I’ve seen some folks transfer debt to a 0% credit card, only to charge up additional debt on their other credit cards. This in turn just leads to more debt. And when the 0% offer expires and you start paying interest on the remaining balance, the situation only gets worse.
  4. Have a plan for when the 0% introductory rate expires: Did you ever wonder why credit card companies are willing to offer 0% interest for sometimes as long as a year? The reason is that they know many people will leave the balance on the credit card after the introductory rate expires. Therefore, it is critical that you know what you’ll do with the remaining balance when introductory rate expires. For us, it usually means transferring the balance to a new 0% credit card or to our home equity line of credit that charges a very reasonable and tax-deductible rate. If you plan to leave the balance on the card, check out the next tip.
  5. Always know the interest rate you’ll be charged once the 0% introductory rate expires: If you plan to leave the remaining balance on the card after the introductory rate expires, you should know what the adjusted rate will be before transferring the balance in the first place.
  6. Don’t use 0% offers to overspend: When we recently purchased furniture for our living room, a furniture company offered 0% interest for 12 months. We turned down the offer. I knew that with a 0% offer, we would be inclined to purchase more furniture than we needed. So instead, we paid cash. This goes to another principle that we follow – never borrower to buy consumer goods if you can help it.
  7. Shop around for the best option: Not all 0% credit card offers are alike. Some charge different balance transfer fees. And for others, the introductory 0% rate lasts for varying periods of time. I’ve seen some lasts for as short as three months, while others have lasted for 15 months. And that’s why we’ve created this page! A one-stop place to find the best BT offers available.
  8. Understand the difference between a 0% interest rate on balance transfers and on purchases: Some credit cards offer a 0% introductory rate on purchases only, not balance transfers. Other cards offer a 0% rate on both balance transfers and purchases. As you are shopping for the best 0% credit card for your needs, make sure you understand this difference.
  9. Look for cards that also offer rewards: Several credit cards with 0% introductory rates also offer excellent rewards packages. Depending on whether you travel a lot or want cash back from purchases, you’ll find credit cards that offer a vast array of rewards. But you need to keep in mind that for many of these cards, the balance transfers that you make will not qualify for the reward.
  10. Always remember that even at 0% interest, it’s still debt: While I have taken advantage of 0% credit cards and saved a lot of money as a result, it doesn’t change the fact that we still have debt. Credit cards can be an awfully tempting and destructive privilege, so use even 0% credit cards with care.

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the issuer’s website. Discover is a paid advertiser of this site.

Published or Updated: June 16, 2014