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Balance Transfer Credit Cards

The introductory 0% APR on balance transfer credit cards are designed to help people save money by letting them transfer high interest balances to a no-interest credit card so that it eliminates you of potential interest charges. Transferring balances to a credit card with zero interest for 18 months can provide substantial savings. If you have $5,000 in credit card debt and are paying an interest rate of 15%, you can save around $1,125 on interest charges over the next 18 months. Your Savings = Your Debt * High Interest Rate – Transfer Fee.

Most credit cards charge a one-time transaction fee for balance transfers. But occasionally credit card issuers run promotions with credit cards to offer 0% APR on balance transfer at no fee. For example, Slate from Chase currently let you enjoy 0% introductory APR on balance transfers for 15 months with no transfer fee. Check out the most popular balance transfer credit cards that stand out. They not only offer 0% introductory APR on balance transfers for up to 18 months, but some cards also offer no balance transfer fees, cash back, rebates, reward points, and high credit limits for qualified applicants. So, if you’re carrying a large credit card balance each month, it’s well worth your time and effort to check out these balance transfer credit card offers.

Citi Diamond Preferred Card
Apply for Citi Diamond Preferred Card Online

Citi® Diamond Preferred® Card

  • 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 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*
  • Click here for more details on Citi® Diamond Preferred® Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfers*18 months*11.99%-21.99%* (Variable)$0*

Citi Simplicity Card Visa
Apply for Citi Simplicity Card Visa Online

Citi Simplicity® Card

  • 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.
  • Click here for more details on Citi Simplicity® Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfers*18 months*12.99% - 21.99%* (Variable)$0*

Citi Simplicity Card MasterCard
Apply for Citi Simplicity Card MasterCard Online

Citi Simplicity® Card

  • 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.
  • Click here for more details on Citi Simplicity® Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfers*18 months*12.99% - 21.99%* (Variable)$0*

Discover it
Apply for Discover it Online

Discover it®

  • 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.*
  • 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.
  • Click here for more details on Discover it®
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfers18 months on balance transfers*, 6 months on purchases*10.99% - 22.99% Variable*$0

Discover it
Apply for Discover it Online

Discover it®

  • 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.*
  • 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 purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
  • Click here for more details on Discover it®
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfers14 months10.99% - 22.99% Variable*$0

Citi ThankYou Preferred Card - Earn 20,000 Bonus Points
Apply for Citi ThankYou Preferred Card - Earn 20,000 Bonus Points Online

Citi ThankYou® Preferred Card - Earn 20,000 Bonus Points

  • 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*.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 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*
  • Click here for more details on Citi ThankYou® Preferred Card - Earn 20,000 Bonus Points
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfers*12 months*12.99% - 22.99%* (Variable)$0*

Chase Freedom
Apply for Chase Freedom Online

Chase Freedom®

  • Earn a $100 Bonus after you make $500 in purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99%-22.99%.
  • 5% Cash Back on up to $1,500 in combined purchases between April 1 and June 30, 2014 at restaurants and Lowe's® home improvement stores
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire
  • Click here for more details on Chase Freedom®
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfers15 months13.99%-22.99% Variable$0

Citi ThankYou Preferred Card
Apply for Citi ThankYou Preferred Card Online

Citi ThankYou® Preferred Card

  • 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*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • 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*
  • Click here for more details on Citi ThankYou® Preferred Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfers*15 months*12.99%-22.99%* (Variable)$0*

Capital One Platinum Prestige Credit Card
Apply for Capital One Platinum Prestige Credit Card Online

Capital One® Platinum Prestige Credit Card

  • 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
  • No foreign transaction fees
  • Travel accident insurance
  • Click here for more details on Capital One® Platinum Prestige Credit Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfersuntil July 201510.9% - 18.9% (V)$0

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

  • 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
  • Click here for more details on U.S. Bank Visa® Platinum Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfers15 Months9.99% - 23.99%* Variable$0

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