Best 0% APR Balance Transfer Credit Card Offers

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A 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 the best 0% balance transfer deals available. To help you in your search for the top offers, we’ve created this page.

Below you’ll find our editor’s picks for the absolute best transfer offers you’ll find anywhere. 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.

Best Balance Transfer Offers

In addition to our editor’s picks above, here we list what we believe to be the best cards that will allow you to transfer a balance without paying any interest during the introductory period:

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
Citi Simplicity® Visa Card
18

U.S. Bank Visa® Platinum Card
U.S. Bank Visa Platinum Card

15 Billing Cycles

Capital One Platinum Prestige Balance Transfer
Citi® Diamond Preferred® Card
Citi Diamond Preferred 0% balance transfer offer


18


Citi Platinum Select Visa 0% Balance Transfer

Here are more details on the top picks above as well as other 0% balance transfer cards:

Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card
Apply Now...
at CitiBank's
secure site
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy Deals(SM) Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 18 Months* 0%* 18 Months* 11.99% – 21.99%* Variable $0*
727 Average credit score approved for this card† 672 Lowest credit score approved for this card†

Discover it®
Discover it®
Apply Now...
at Discover's
secure site
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Plus, pay up to midnight ET online or by phone on your due date without a fee. No late fee on your first late payment. And paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
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
731 Average credit score approved for this card† 687 Lowest credit score approved for this card†

Citi Simplicity® Card
Citi Simplicity® Card
Apply Now...
at CitiBank's
secure site
  • 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.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 18 Months* 0%* 18 Months* 12.99% – 21.99%* Variable $0*
701 Average credit score approved for this card† 652 Lowest credit score approved for this card†

Citi® Dividend Platinum Select® Visa® Card
Citi® Dividend Platinum Select® Visa® Card
Apply Now...
at CitiBank's
secure site
  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 12 Months* 0%* 12 Months* 12.99% – 22.99%* Variable $0*
712 Average credit score approved for this card† 656 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
732 Average credit score approved for this card† 655 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
730 Average credit score approved for this card† 661 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: March 31, 2014