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Credit Cards » 0% APR Balance Transfer Cards

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.

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, 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. And 1% cash back on all other purchases.±
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you´re never responsible for unauthorized charges 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.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(18 months)
0%
(6 months)
10.99% -
22.99% Variable±
$0
  • Transfer a balance for 0% intro APR until July 2015.
  • Get 0% intro APR on all purchases until July 2015.
  • Enjoy no annual fee.
  • Get peace of mind with fraud coverage if your card is lost or stolen.
  • Enjoy extended warranty protection on eligible items purchased with your card.
  • Fast and easy access, 24/7.
  • Rent a car using your card and get collision, damage, and loss insurance.
  • Feel secure with 24-hour roadside assistance.
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(until
July
2015)
0%
(until
July
2015)
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® Easy DealsSM 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.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee.26
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(18 months)26
0%
(18 months)26
11.99% -
21.99%26 (Variable)
$026
  • Find card offers you may be eligible for without affecting your credit score.
  • Get matched to features you want like low intro rates, cash back or miles, and more.
  • See your card matches in less than 60 seconds.
  • Find a card for where you are - to help you prepare for what´s ahead.
  • All Capital One cards come with fraud coverage if your card is lost or stolen.
  • 24/7 account access including mobile app for fast and easy account management - right from your smartphone.
  • Pick the monthly payment due date that works best for you.
  • Pay the way you want - by check, online, or at a local branch.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
See termsSee termsVarious RatesSee 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.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(18 months)26
0%
(18 months)26
12.99% -
21.99% (Variable)
$026
  • One-time $100 bonus after you spend $500 on purchases within the first 3 months.
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No rotating categories and no sign ups needed to earn cash rewards.
  • Redeem the cash back you earn for any amount, any time.
  • Your cash back doesn´t expire.
  • 0% intro APR on purchases and balance transfers until January 2015.
  • No annual fee.
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(until
January
2015)
0%
(until
January
2015)
12.9% -
22.9% (V)
$0
  • You can earn 10% or more cash back on eligible online purchases through Upromise.
  • Start with a $50 cash back bonus after first use.
  • Earn 4% back at thousands of participating Upromise dining restaurants.
  • Earn 3% cash back on eligible gas purchases at Exxon or Mobil locations.
  • Earn 2% cash back at eligible movie theaters.
  • Earn 1% cash back everywhere else.
  • No annual fee.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(12 billing
cycles)
0%
(12 billing
cycles)
12.99% or
20.99% (Variable)
$0
  • 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.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(18 months)26
0%
(18 months)26
12.99% -
21.99% (Variable)
$026
  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening - redeemable for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness.26
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.26
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment.
  • 1 ThankYou Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points.
  • 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
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(12 months)26
0%
(12 months)26
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.
26 See the Citi card terms and conditions online.