0% APR Balance Transfer Credit Card Offers

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 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

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

The Carnival™ MasterCard®
The Carnival™ MasterCard®
Apply Now...
at Barclaycard's
secure site
  • 0% Introductory APR for 15 months for each Balance Transfer made within 45 days of account opening, and a variable rate of 13.99%, 16.99% or 20.99% APR thereafter, 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
N/A N/A 0% intro
within 45 days of account opening
15 Months 13.99%, 16.99% or 20.99%* Variable $0
670 Average credit score approved for this card† 608 Lowest credit score approved for this card†

USAA Cash Rewards® World MasterCard®
USAA Cash Rewards® World MasterCard®
Apply Now...
at USAA Savings's
secure site
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Earn rebates up to 1.25% on your everyday purchases.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • There's no limit to the amount you can earn.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A 0% 12 months 9.90%-25.90% (Variable) $0
Average credit score approved for this card† 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
729 Average credit score approved for this card† 625 Lowest credit score approved for this card†

USAA Rewards™ World MasterCard®
USAA Rewards™ World MasterCard®
Apply Now...
at USAA Savings's
secure site
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Earn 2,500 Bonus Points after your first purchase and one point for every dollar in purchases with no limit to the amount you can earn.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Redeem your points anytime on USAA's website or from your mobile device - with no redemption fee.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A 0% 12 months 9.90%-25.90% (Variable) $0
Average credit score approved for this card† 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
679 Average credit score approved for this card† 593 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
  • 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
  • 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
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 14.99% or 18.99%, depending on your creditworthiness.
  • Complimentary online FICO® Credit Score access for Barclaycard Arrival Cardmembers
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A 0% intro
within 45 days of account opening
12 Months 14.99% or 18.99%* Variable $0
720 Average credit score approved for this card† 664 Lowest credit score approved for this card†

USAA Cash Rewards® World MasterCard®
USAA Cash Rewards® World MasterCard®
Apply Now...
at USAA Savings's
secure site
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Earn rebates up to 1.25% on your everyday purchases.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • There's no limit to the amount you can earn.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A 0% 12 months 9.90%-25.90% (Variable) $0
Average credit score approved for this card† 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
  • Limited Time Offer: Earn 50,000 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 and American Airlines purchases and 1 mile for every $1 on purchases everywhere else
  • NEW! Receive a 25% savings on eligible US Airways and American Airlines in-flight purchases
  • 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% intro
within 45 days of account opening
15 Months 15.99%, 19.99% or 24.99%* Variable $89
722 Average credit score approved for this card† 626 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: December 12, 2014