0% APR Balance Transfer Cards
If you are currently carrying a lot of debt on a credit card with a high interest rate, a balance transfer credit card can be your ticket to a fresh start. These cards let you move the balance that you owe on one credit card over to a new card, getting you better rates on the debt that you already have, and better rates for any additional purchases you might make. Using balance transfer cards can keep your interest payments manageable and affordable, and eventually help get you out from underneath your debt.
- The new Discover it card is out to change the way people think about credit cards.
- Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won´t increase your APR for paying late.±
- Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.±
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible…Choose your own due date and pay up to midnight ET online or by phone.
- Human…talk to a real person any time with 100% U.S.-based service.
- 0% Intro APR± on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.±
- 0% Intro APR± on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. ±Click apply for Terms & Conditions.
| Intro APR on Balance Transfers |
Intro APR on Purchases | Ongoing APR | Annual Fee |
|---|---|---|---|
|
0% 18 months |
0% 6 months |
10.99% - 22.99%± Variable |
$0 |
- Save an Additional 25¢ a gallon for the first three months when you redeem 100 fuel points at participating Kroger family of stores fuel centers.
- Earn free groceries faster at Kroger, King Soopers, Dillons Smith´s, Fry´s and QFC; 3 points per $1 spent on Kroger family of brand products.
- 2 points per $1 spent in the Kroger® family of stores (excluding fuel centers).
- 1 point per $1 spent anywhere Visa Cards are accepted.
- Every 1,000 points earned gets $5 in free groceries. Rewards sent automatically every quarter.
- 0% intro APR15 for first 9 billing cycles on purchases and balance transfers. After that, a variable APR currently 13.99% - 23.99%.
- $0 annual fee.15
| Intro APR on Balance Transfers |
Intro APR on Purchases | Ongoing APR | Annual Fee |
|---|---|---|---|
|
0% 9 billing cycles |
0% 9 billing cycles |
13.99% - 23.99% (Variable) |
$0 |
- 0% intro APR until August 2014 on balance transfers.
- 0% intro APR until August 2014 on purchases.
- No annual fee.
- $0 Fraud Liability if your card is lost or stolen.
- 24-hour travel assistance gives you a replacement card and cash advance.
- 24-hour roadside assistance.
- Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own.
| Intro APR on Balance Transfers |
Intro APR on Purchases | Ongoing APR | Annual Fee |
|---|---|---|---|
|
0% until August 2014 |
0% until August 2014 |
10.9% - 18.9% (V) |
$0 |
- 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.26
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
- Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
- 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.26
| Intro APR on Balance Transfers |
Intro APR on Purchases | Ongoing APR | Annual Fee |
|---|---|---|---|
|
0% 18 months26 |
0% 18 months26 |
11.99% - 21.99%26 (Variable) |
$026 |
- 0% Intro APR15 on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99% - 23.99%.
- No annual fee15.
- Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum.
- $0 fraud liability15 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.
| Intro APR on Balance Transfers |
Intro APR on Purchases | Ongoing APR | Annual Fee |
|---|---|---|---|
|
0% 15 billing cycles |
0% 15 billing cycles |
9.99% - 23.99% (Variable) | $0 |
- Click "APPLY HERE" to find card offers.
- See cards with features you want, like low intro rates, unlimited cash back or miles rewards, and more.
- Find the right card without affecting your credit score.
- Get your results in less than a minute.
- 24/7 account access.
- $0 Fraud Liability if your card is lost or stolen.
- Personalize your card with an image of your choice.
| Intro APR on Balance Transfers |
Intro APR on Purchases | Ongoing APR | Annual Fee |
|---|---|---|---|
|
See terms |
See terms |
Various Rates | See terms |
- 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.
| Intro APR on Balance Transfers |
Intro APR on Purchases | Ongoing APR | Annual Fee |
|---|---|---|---|
|
0% 18 months26 |
0% 18 months26 |
12.99% - 21.99% (Variable) |
$026 |
- Get 17,500 bonus FlexPoints after the first $2,500 in net purchases in the first 150 days.
- Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or redemption fees.
- Earn one FlexPoint for every $1 of eligible net purchases charged to your card.
- Earn two FlexPoints for every $1 spent on gas, grocery or airline purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses.
- Earn Triple FlexPoints for your charitable donations.
- Earn 5,000 FlexPoints when you refer a friend who acquires and uses the card.
- $0 Annual Fee15 the first year, after that $4915.
- Earn 3,500 bonus FlexPoints each year when you spend $24,000 in Net Purchases. You can redeem these FlexPoints for your annual fee or combine them with other FlexPoints for travel or many other rewards.
- Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more.
| Intro APR on Balance Transfers |
Intro APR on Purchases | Ongoing APR | Annual Fee |
|---|---|---|---|
|
0% 12 billing cycles |
0% 12 billing cycles |
13.99% - 23.99% (Variable) |
$0 for the first year, then $4915 |
- Get 17,500 bonus FlexPoints after the first $2,500 in net purchases in the first 150 days.
- Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or redemption fees.
- Earn one FlexPoint for every $1 of eligible net purchases charged to your card.
- Earn two FlexPoints for every $1 spent on gas, grocery or airline purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses.
- Earn Triple FlexPoints for your charitable donations.
- Earn 5,000 FlexPoints when you refer a friend who acquires and uses the card.
- $0 Annual Fee15 the first year, after that $4915.
- Earn 3,500 bonus FlexPoints each year when you spend $24,000 in Net Purchases. You can redeem these FlexPoints for your annual fee or combine them with other FlexPoints for travel or many other rewards.
- Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more.
| Free Report |
Free Score |
Free Trial |
Monthly Fee |
Bureaus Monitored |
|---|---|---|---|---|
| n/a | n/a | n/a | n/a | n/a |
- Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness.26
- Earn 1 ThankYou Point for every $1 you spend on purchases.
- Enjoy no limit on the number of points you can earn.
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.
- Travel with ease and enjoy global acceptance with Chip Technology.
- No annual fee.26
| Intro APR on Balance Transfers |
Intro APR on Purchases | Ongoing APR | Annual Fee |
|---|---|---|---|
|
0% 15 months26 |
0% 15 months26 |
12.99% - 22.99%26 (Variable) |
$026 |
Transfer Your Balances - Save Your Money Monthly
Balance transfer credit cards are a great resource to have when you are working in earnest to eliminate your debts. Most of them offer a no or low introductory APR for an initial period of time to help you recover faster from credit card debts.
With the increase in incidents where card issuers have jacked up credit card interest or limited your credit, many have found it harder to pay down their balances. This is especially true when dealing with the balances on multiple cards.
One of the best credit card offers on today's market is the low balance transfer card that allows you to move existing balances from other credit cards to one card with a lower APR. It can lower your overall interest rates by only having to pay on one card.
The biggest advantage of such offers is that if you can manage to pay down your entire transferred balances before the introductory period of the card expires, you can avoid accumulating interest charges. Typically, that introductory period lasts around 6 months. In that period, you can significantly decrease your credit card debt and increase your credit scores.
Balance transfer credit cards generally charge a fee for each transfer but in many cases that fee will not be as significant as the savings in interest charges, depending on how much debt you have to pay down. Always read the terms and conditions of the card agreement before signing on the dotted line. Not all offers will have the same rules.
There are many credit card companies that offer 0% APR balance transfer card offers and consumers who are able to manage their credit and finances wisely can take advantages of the benefits of such a card.
As one of greatest cards on the market today, a balance transfer card can help minimize and eliminate your credit card debts. Compare different cards and terms before committing to one company as not all offers are the same. While you may get a ton of promotional offers in the mail, it is best that you see all of your options before making a decision that is in the best interest of your financial situation.
± Click apply for Terms & Conditions.15 See Card Terms and Conditions.
26 See the Citi card terms and conditions online.
