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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 24 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 $1500 on interest within 24 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 24 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^® Diamond Preferred^® Card

0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass^®
$0 liability on unauthorized purchases and Citi® Identity Theft Solutions
No annual fee*
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
0%* on Balance Transfers and Purchases*	18 months*	11.99%-21.99%* (Variable)	None

	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. Peace of mind through direct access to a service representative, no late fees and no penalty rate No annual fee Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
0% on Balance Transfers and Purchases*	18 months*	12.99% - 21.99%* (Variable)	None

	Citi^® Platinum Select^® Visa^® 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.* Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more Citi^® Identity Theft Solutions No annual fee* Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
0% on Balance Transfers and Purchases*	18 months*	11.99% - 21.99%* (Variable)	None

Slate^® from Chase - Limited Time: No Balance Transfer Fee

LIMITED TIME: No Balance Transfer Fee!*
Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee! After that, the balance transfer fee is 3% of the amount transferred with a minimum of $5
0% Intro APR for up to 12 months - a variable APR as low as 11.99 - 21.99% after your 0% ends
Slate with Blueprint helps you pay down your balances faster and save on interest
Zero liability on unauthorized purchases*
No Annual Fee*
Click here for reviews on Slate from Chase

Intro APR	Intro APR Period	Regular APR	Annual Fee
0% on Purchases and on Balance Transfers	up to 12 months	11.99% - 21.99% Variable	None

	Citi^® Platinum Select^® MasterCard^® 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.* Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more Citi^® Identity Theft Solutions No annual fee* Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
0%* on Balance Transfers and Purchases*	18 months*	11.99% - 21.99%* (Variable)	None

Discover^® More^® Card - Balance Transfer Fee*

0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
5% Cashback Bonus^® in categories that change like gas, restaurants, department stores and more. Limitations apply*
Discover is ranked #1 in customer loyalty - 15 years in row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
$0 Fraud Liability plus automatic mobile and email fraud alert options
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
0%* on Purchases and on Balance Transfers	18 months on balance transfers, 6 months on purchases	10.99% - 20.99% (Variable)*	None

Discover^® More^® Card

0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
5% Cashback Bonus^® in categories that change like gas, restaurants, department stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
Discover is ranked #1 in customer loyalty - 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
$0 Fraud Liability plus automatic mobile and email fraud alert options
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
0%* on Purchases and on Balance Transfers	15 months*	10.99% - 20.99% (Variable)*	None

	Slate^SM from Chase Earn $75 Statement Credit after you make $300 in purchases in your first 3 months 0% Intro APR for up to 15 months – a variable APR as low as 11.99% -21.99% after your 0% ends Slate with Blueprint^® helps you pay down your balances faster and save on interest Transfer your higher rate balances No Annual Fee Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
0% on Purchases and on Balance Transfers	up to 15 months	11.99% - 21.99% variable	None

Capital One^® Platinum Prestige Credit Card

0% intro APR until May 2013 on balance transfers
0% intro APR until May 2013 on purchases
No foreign transaction fees
$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
No annual fee
Auto rental insurance - use your card to rent a car and you're covered for collision, damage, and loss
Travel accident insurance
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
0% on Purchases and on Balance Transfers	until May 2013	10.9% - 18.9% variable	None

Discover^® More^® Card - No Balance Transfer Fee*

Limited Time Offer - $0 Balance Transfer Fee!*
0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
5% Cashback Bonus^® in categories that change like gas, restaurants, department stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
Discover is ranked 1 in customer loyalty - 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
0%* on Purchases and on Balance Transfers	12 months*	10.99%-19.99% (Variable)*	None

Capital One^® Cash

$100 Bonus after you spend $500 in the first 3 months
50% bonus on the cash back you earn every year
1% cash back on all purchases
No annual fee
Earn unlimited cash rewards that don't expire
Redeem cash rewards anytime for any amount, even set up automatic redemption
Personalize your card with an image of your choice
0% intro APR on purchases and balance transfers until February 2013
Click here for reviews on Capital One Cash

Intro APR	Intro APR Period	Regular APR	Annual Fee
0% on Purchases and on Balance Transfers	until February 2013	12.9% - 20.9% variable	None

Discover^® Open Road Card

Receive a $150 Restaurant.com Gift Certificate with first purchase
0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 20.99%*
2% automatically at any gas station and any restaurant all year long*
Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
Discover is ranked #1 in customer loyalty - 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
0%* on Purchases and on Balance Transfers	12 months*	10.99% - 20.99% (Variable)*	None

Chase Freedom MasterCard - $100 Bonus Cash Back + 0% Intro APR

Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
0% Intro APR for 12 months on balance transfers and 6 months on purchases
5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12
You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
Unlimited 1% Cash Back on all other purchases
Up to an additional 10% Cash Back when you shop online at select merchants through Chase
No annual fee and rewards never expire
Click here for reviews on Chase Freedom MasterCard

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	as low as 11.99% Variable	None

Chase Freedom^® Visa - $100 Bonus Cash Back + 0% Intro APR

Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
0% Intro APR for 12 months on balance transfers and 6 months on purchases
5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12
You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
Unlimited 1% Cash Back on all other purchases
Up to an additional 10% Cash Back when you shop online at select merchants through Chase
No annual fee and rewards never expire
Click here for reviews on Chase Freedom Visa

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	11.99% - 22.99% Variable*	None

Citi Forward^® Card

$100 in gift cards - When you redeem the 10,000 bonus ThankYou^® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
APR reduction on purchases when using credit wisely
No Annual Fee*
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
0%* on Purchases and on Balance Transfers*	12 months on balance transfers* and 7 months on purchases*	12.99% - 22.99%* (Variable)	None

Miles by Discover^® Card

Earn up to $120 in travel rewards - 1,000 Bonus miles every month you make a purchase for the first year
1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
No restrictions on travel - fly on any airline, book any hotel or car, with no blackout dates
Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
Discover is ranked #1 in customer loyalty - 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
0%* on Purchases and on Balance Transfers	6 months*	10.99% - 16.99% (Variable)*	None

Escape by Discover^® Card

Earn up to $250 in travel rewards - 1,000 Bonus miles every month you make a purchase for the first 25 months
Double Miles on every $1 you spend
0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
No restrictions on travel - fly on any airline, book any hotel or car, with no blackout dates
Flexible redemption options like travel credits, merchandise, gift cards or cash
Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
Discover is ranked #1 in customer loyalty - 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
*Click apply to view rates, fees, rewards, limitations and other important information
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
0%* on Purchases and on Balance Transfers	6 months*	10.99% - 16.99% (Variable)*	$60*

Ink Cash^SM Business

$250 cash back bonus after you spend $5,000 within 3 months!
5% cash back on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services
2% cash back on the first $25,000 spent annually on gas and dining
1% cash back on all other card purchases with no limit to the amount you can earn
Cash back rewards do not expire
0% Introductory APR for 6 months*
No Annual Fee*
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
0% on Purchases and on Balance Transfers	6 months	13.24% Variable*	None

Ink^SM Classic Business - Up to 25,000 Bonus Points

25,000 bonus points after you spend $5,000 in the first 3 months!*
5X points per dollar on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services*
2 points per dollar on the first $25,000 spent annually on fuel and lodging*
1 point per dollar on all other card purchases with no limit on the amount you can earn*
Cash back rewards do not expire
0% Introductory APR for 6 months*
No Annual Fee
Click here for official application, terms, and details

Ink Classic Business - Up to 25,000 Bonus Points

Intro APR	Intro APR Period	Regular APR	Annual Fee
0% on Purchases and on Balance Transfers	6 months	13.24% Variable	None

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0% Balance Transfer Credit Cards

Citi® Diamond Preferred® Card

0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*

24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more

Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®

$0 liability on unauthorized purchases and Citi® Identity Theft Solutions

No annual fee*

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.

Peace of mind through direct access to a service representative, no late fees and no penalty rate

No annual fee

Citi® Platinum Select® Visa®

0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*

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

Citi® Identity Theft Solutions

No annual fee*

Slate® from Chase - Limited Time: No Balance Transfer Fee

LIMITED TIME: No Balance Transfer Fee!*

Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee! After that, the balance transfer fee is 3% of the amount transferred with a minimum of $5

0% Intro APR for up to 12 months - a variable APR as low as 11.99 - 21.99% after your 0% ends

Slate with Blueprint helps you pay down your balances faster and save on interest

Zero liability on unauthorized purchases*

No Annual Fee*

Citi® Platinum Select® MasterCard®

0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*

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

Citi® Identity Theft Solutions

No annual fee*

Discover® More® Card - Balance Transfer Fee*

0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*

0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*

5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*

Discover is ranked #1 in customer loyalty - 15 years in row! (2011 Brand Keys Customer Loyalty Engagement Index report)

24/7 access to a U.S.-based Account Manager within 60 seconds

$0 Fraud Liability plus automatic mobile and email fraud alert options

Great rewards with no annual fee, no rewards redemption fee, and no additional card fee

*Click apply to view rates, fees, rewards, limitations and other important information

Discover® More® Card

0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*

5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*

Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com

Discover is ranked #1 in customer loyalty - 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)

24/7 access to a U.S.-based Account Manager within 60 seconds

$0 Fraud Liability plus automatic mobile and email fraud alert options

Great rewards with no annual fee, no rewards redemption fee, and no additional card fee

*Click apply to view rates, fees, rewards, limitations and other important information

SlateSM from Chase

Earn $75 Statement Credit after you make $300 in purchases in your first 3 months

0% Intro APR for up to 15 months – a variable APR as low as 11.99% -21.99% after your 0% ends

Slate with Blueprint® helps you pay down your balances faster and save on interest

Transfer your higher rate balances

No Annual Fee

Capital One® Platinum Prestige Credit Card

0% intro APR until May 2013 on balance transfers

0% intro APR until May 2013 on purchases

No foreign transaction fees

$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

No annual fee

Auto rental insurance - use your card to rent a car and you're covered for collision, damage, and loss

Travel accident insurance

Discover® More® Card - No Balance Transfer Fee*

Limited Time Offer - $0 Balance Transfer Fee!*

0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*

5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*

Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com

Discover is ranked 1 in customer loyalty - 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)

24/7 access to a U.S.-based Account Manager within 60 seconds

Great rewards with no annual fee, no rewards redemption fee, and no additional card fee

*Click apply to view rates, fees, rewards, limitations and other important information

Capital One® Cash

$100 Bonus after you spend $500 in the first 3 months

50% bonus on the cash back you earn every year

1% cash back on all purchases

No annual fee

Earn unlimited cash rewards that don't expire

Redeem cash rewards anytime for any amount, even set up automatic redemption

Personalize your card with an image of your choice

Citi^® Diamond Preferred^® Card

Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass^®

Citi Simplicity^® Card

Citi^® Platinum Select^® Visa^®

Citi^® Identity Theft Solutions

Slate^® from Chase - Limited Time: No Balance Transfer Fee

Citi^® Platinum Select^® MasterCard^®

Citi^® Identity Theft Solutions

Discover^® More^® Card - Balance Transfer Fee*

5% Cashback Bonus^® in categories that change like gas, restaurants, department stores and more. Limitations apply*

Discover^® More^® Card

5% Cashback Bonus^® in categories that change like gas, restaurants, department stores and more. Limitations apply*

Slate^SM from Chase

Slate with Blueprint^® helps you pay down your balances faster and save on interest

Capital One^® Platinum Prestige Credit Card

Discover^® More^® Card - No Balance Transfer Fee*

5% Cashback Bonus^® in categories that change like gas, restaurants, department stores and more. Limitations apply*

Capital One^® Cash

Discover^® Open Road Card

Chase Freedom^® Visa - $100 Bonus Cash Back + 0% Intro APR

Citi Forward^® Card

$100 in gift cards - When you redeem the 10,000 bonus ThankYou^® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months

Miles by Discover^® Card

Escape by Discover^® Card

Ink Cash^SM Business