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0% Balance Transfer Credit Cards

The 0% APR on balance transfer credit cards are designed to help people transfer their high interest balances onto a new low interest credit card, thus saving money on interest charges.

Transferring balances to a credit card that offers a 0 interest for 15 months can provide substantial savings. If you have $5,000 in credit card debt and paying an interest rate of 15%, you can save around $950 on interest within 15 months.    Your Savings = Your debt * previous high interest rate - transfer fee

The following are the most popular balance transfer credit cards that not only offer 0% introductory APR on balance transfers for up to 15 months with low transfer fee, but also offer 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. It's easy, secure, and convenient to apply online.


     Citi® Platinum Select® MasterCard®

  • 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*

  • Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more

  • Citi® Identity Theft Solutions

  • Secure, free online account management

  • No annual fee

  • Click here for official application, terms, and details.

Citi Platinum Select MasterCard Apply for Citi Platinum Select MasterCard Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers 18 months on balance transfers, 12 months on purchases 11.99% - 19.99%* (Variable) None

     Citi® Dividend Platinum Select® MasterCard®

  • Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter.

  • 0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.

  • Full 1% cash back on eligible purchases and cash advances

  • Earn extra cash back on popular, rotating categories each quarter

  • Average 5% additional cash back through Citi Bonus Cash Center®

  • No Annual Fee

  • Click here for official application, terms, and details.

Citi Dividend Platinum Select MasterCard Apply for Citi Dividend Platinum Select MasterCard Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Balance Transfers 15 months 12.99% - 20.99%* (Variable) None

     Citi® Diamond Preferred® Card

  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 14.99%. This APR will vary with the market based on the Prime Rate.

  • Concierge service that caters to your needs 24/7

  • Citi® Identity Theft Solutions

  • Secure, free online account management

  • No annual fee

  • Click here for official application, terms, and details.

Citi Diamond Preferred Card Apply for Citi Diamond Preferred Card Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers 12 months 14.99%* (Variable) None

     Chase Freedom® Visa - $50 Bonus Cash Back

  • Earn $50 Bonus Cash Back after first purchase

  • 0% Intro APR and No Annual Fee

  • 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!

  • Unlimited 1% Cash Back on all other purchases with no spending tiers

  • Up to an additional 20% cash back when you shop online at select merchants through Chase

  • Click here for official application, terms, and details.

Chase Freedom Visa - $50 Bonus Cash Back Apply for Chase Freedom Visa - $50 Bonus Cash Back Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers 12 months on balance transfers, 6 months on purchases* 12.99% - 22.99% (V)* None

     Discover More® Card

  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more

  • 0% intro APR on balance transfers for a full 15 months, then the Regular APR

  • 0% intro APR on purchases for a full 6 months, then the Regular APR

  • Up to 1% unlimited Cashback Bonus on all other purchases

  • No Annual Fee

  • Click here for official application, terms, and details.

Discover More Card Apply for Discover More Card Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers 15 months on balance transfers, 6 months on purchases 11.99% - 20.99% (V)* None

     Citi® Diamond Preferred® Rewards Card

  • $50 gift card - Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening

  • 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter**

  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-20.99% based on creditworthiness*. This APR will vary with the market based on the Prime Rate.

  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more

  • No annual fee

  • Click here for official application, terms, and details.

Citi Diamond Preferred Rewards Card Apply for Citi Diamond Preferred Rewards Card Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers 12 months 12.99% - 20.99%* (Variable) None

     SlateSM from Chase

Slate from Chase Apply for Slate from Chase Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers up to 12 months 13.24% - 22.24% (V)* None

     Miles Card by Discover®

  • 12,000 Bonus Miles - 1,000 Bonus Miles each month you make a purchase for your first year

  • Double Miles on your first $3,000 in travel and restaurant purchases each year

  • Double Miles through our exclusive online shopping site

  • One Mile for every dollar on all other purchases

  • Flexible redemption options for travel, gift cards, or cash

  • 0% intro APR on balance transfers and purchases for 6 months

  • Click here for official application, terms, and details.

Miles Card by Discover Apply for Miles Card by Discover Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers 6 months 10.99% - 16.99% (V)* None

     Escape by Discover® Card

  • 25,000 Bonus Miles – 1,000 Bonus Miles each month you make a purchase for your first 25 months

  • Unlimited Double Miles on all purchases

  • An additional 2 Miles for every $1 you spend through our exclusive online shopping site, ShopDiscover

  • Flexible redemption options for travel, gift cards, or cash

  • 0% intro APR on Balance Transfers and Purchases for 6 months, then the Regular APR

  • Enhanced travel benefits

  • Click here for official application, terms, and details.

Escape by Discover Card Apply for Escape by Discover Card Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers 6 months 10.99% - 16.99% (V)* $60

     Chase Ink CashSM Business Card

  • 3% cash back at gas stations, restaurants, office supply and home improvement stores

  • 1% cash back on everything else – unlimited

  • Rewards can be redeemed for checks in increments of $50

  • Customized credit line to meet the needs of your business

  • Free additional cards for employees

  • No Annual Fee

  • Click here for official application, terms, and details.

Chase Ink Cash Business Card Apply for Chase Ink Cash Business Card Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers 6 months 11.24% - 17.24% (V)* None

     Chase InkSM with Ultimate Rewards

  • Cash back plus a million other redemption options

  • No dollar goes unrewarded

  • No caps and points never expire

  • Unlimited rewards for you or your business

  • When you redeem for cash back, your Ultimate Rewards points are 2 times as valuable as Membership Rewards points*

  • No annual fee

  • Click here for official application, terms, and details.

Chase Ink with Ultimate Rewards Apply for Chase Ink with Ultimate Rewards Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers 6 months 11.24% - 17.24% (V)* None
Chase Sapphire Card
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