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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.
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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 moreSpecial 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 SolutionsNo annual fee*
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0%* on Balance Transfers and Purchases* |
18 months* |
11.99%-21.99%* (Variable) |
None |
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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 rateNo annual fee
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0% on Balance Transfers and Purchases* |
18 months* |
12.99% - 21.99%* (Variable) |
None |
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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 moreCiti® Identity Theft SolutionsNo annual fee*
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0% on Balance Transfers and Purchases* |
18 months* |
11.99% - 21.99%* (Variable) |
None |
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| 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 |
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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 moreCiti® Identity Theft SolutionsNo annual fee*
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0%* on Balance Transfers and Purchases* |
18 months* |
11.99% - 21.99%* (Variable) |
None |
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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 optionsGreat 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
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| 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 |
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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.comDiscover 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 optionsGreat 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
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0%* on Purchases and on Balance Transfers |
15 months* |
10.99% - 20.99% (Variable)* |
None |
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| 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 |
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| 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 |
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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.comDiscover 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 secondsGreat 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
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0%* on Purchases and on Balance Transfers |
12 months* |
10.99%-19.99% (Variable)* |
None |
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| 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 |
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Discover® Open Road Card
Receive a $150 Restaurant.com Gift Certificate with first purchase0% 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.comDiscover 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 secondsGreat 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
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0%* on Purchases and on Balance Transfers |
12 months* |
10.99% - 20.99% (Variable)* |
None |
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| 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 |
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| 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 |
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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 months0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchasesAPR reduction on purchases when using credit wiselyNo Annual Fee*
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| 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 |
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Miles by Discover® Card
Earn up to $120 in travel rewards - 1,000 Bonus miles every month you make a purchase for the first year1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash0% 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 datesTravel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover cardDiscover 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
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0%* on Purchases and on Balance Transfers |
6 months* |
10.99% - 16.99% (Variable)* |
None |
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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 monthsDouble Miles on every $1 you spend0% 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 datesFlexible redemption options like travel credits, merchandise, gift cards or cashTravel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover cardDiscover 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
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
| 0%* on Purchases and on Balance Transfers |
6 months* |
10.99% - 16.99% (Variable)* |
$60* |
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| 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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| 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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