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.

  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99%, based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The only card that earns you cash back TWICE on every purchase with:
  • 1% cash back when you buy.
  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time.26
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories.
  • No Annual Fee.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(15 months)26
0%
(15 months)26
12.99% -
22.99%26 (Variable)
$026
  • 0% intro APR on balance 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 4,000 cardmembers.±
  • No annual fee, no late fee for your first late payment - APR won´t go up for us 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 when 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."
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(18 months)
0%
(6 months)
10.99% -
22.99% 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
  • Get 0% intro APR on all purchases until November 2015.
  • Balance transfers also have a 0% intro APR until November 2015, a 3% fee applies to each balance transferred.
  • 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
November
2015)
0%
(until
November
2015)
10.9% -
18.9% (V)
$0
  • 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 all purchases until May 2015.
  • Balance transfers also have a 0% intro APR until May 2015, a 3% fee applies to each balance transferred.
  • No annual fee.
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(until
May
2015)
0%
(until
May
2015)
12.9% -
22.9% (V)
$0
  • 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%.
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed.± 1% cash back on all your other purchases.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee.±
  • Free FICO® Credit Score online and on your monthly statement so you can track your score´s progress.±
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text-and never responsible for unauthorized Discover card 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."
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(18 months)
0%
(6 months)
10.99% -
22.99% Variable±
$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
  • 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.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(15 billing
cycles)
n/a15.99%, 19.99%
or 24.99%* (Variable)
$89

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 top 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.