0% Intro APR on Balance Transfers

Credit cards with 0% introductory interest on balance transfers are designed to help peopleĀ save money by transferring high interest balances to a 0 interest credit card so that it eliminates potential interest charges. For example, if you have $5,000 in credit card debt and are paying an interest rate of 15%, transferring balances to a credit card with zero interest for 18 months can provide substantial savings. You can save around $1,153 on interest charges over the next 18 months. If you’re carrying a credit card balance each month, it’s well worth your time and effort to apply for a credit card offering 0% intro APR on balance transfers.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
Back to top
Citi® Diamond Preferred® Card

0% intro APR
for 18 months

14.74% - 24.74% (Variable) APR after that

0% intro APR
for 18 months

14.74% - 24.74% (Variable) APR after that

$0

Excellent CreditApply NowView Card Details
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Citi® Double Cash Card - 18 month BT offer

13.99% - 23.99% (Variable) APR

0% intro APR
for 18 months

13.99% - 23.99% (Variable) APR after that

$0

Excellent CreditApply NowView Card Details
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Citi Rewards+℠ Card

0% intro APR
for 15 months

13.49% - 23.49% (Variable) APR after that

0% intro APR
for 15 months

13.49% - 23.49% (Variable) APR after that

$0

Excellent CreditApply NowView Card Details
  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee - either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Mastercard® Titanium Card

14.99% Variable APR

0% intro APR
for 15 billing cycles on balance transfers made in the first 45 days

14.99% Variable APR after that

$195 ($95 for each Authorized User added to the account)

Excellent, Good CreditApply NowView Card Details
  • Patented brushed stainless steel front and carbon back-weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions. Earn one point for every one dollar spent.
  • 24/7 Luxury Card Concierge®-Available by phone, email, and live mobile chat.
  • Exclusive Luxury Card Travel® benefits-average value of $500 per stay (e.g., amenities, room upgrades and complimentary food and beverages) at over 3,000 properties.
  • Members-only LUXURY MAGAZINE®.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus Lyft credits, ShopRunner membership, Fandango perks and more.
  • Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply.
Mastercard® Black Card

14.99% Variable APR

0% intro APR
for 15 billing cycles on balance transfers made in the first 45 days

14.99% Variable APR after that

$495 ($195 for each Authorized User added to the account)

Excellent, Good CreditApply NowView Card Details
  • Patented black-PVD-coated metal card-weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent.
  • 24/7 Luxury Card Concierge®-available by phone, email and live mobile chat. Reach out to manage tasks big and small.
  • Exclusive Luxury Card Travel® benefits-average value of $500 per stay (e.g., amenities, room upgrades and complimentary food and beverages) at over 3,000 properties.
  • Annual Airline Credit-up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
  • Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus Lyft credits, ShopRunner membership, Fandango perks and more.
  • Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.
Mastercard® Gold Card

14.99% Variable APR

0% intro APR
for 15 billing cycles on balance transfers made in the first 45 days

14.99% Variable APR after that

$995 ($295 for each Authorized User added to the account)

Excellent, Good CreditApply NowView Card Details
  • Patented 24K-gold-plated front and carbon back-weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 2% value for cash back redemptions. Earn one point for every one dollar spent.
  • 24/7 Luxury Card Concierge®-available by phone, email and live mobile chat. Reach out to manage tasks big and small.
  • Exclusive Luxury Card Travel® benefits-average value of $500 per stay (e.g., amenities, room upgrades and complimentary food and beverages) at over 3,000 properties.
  • Annual Airline Credit-up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
  • Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus Lyft credits, ShopRunner membership, Fandango perks and more.
  • Annual Fee: $995 ($295 for each Authorized User). Terms and conditions apply.
Capital One® Quicksilver® Cash Rewards Credit Card

0% intro APR
for 15 months

15.49% - 25.49% (Variable) APR

0% intro APR
for 15 months

15.49% - 25.49% (Variable) APR

$0

Excellent, Good CreditLearn MoreView Card Details
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49%-25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Capital One® SavorOne® Cash Rewards Credit Card

0% intro APR
for 15 months

15.49% - 25.49% (Variable) APR

0% intro APR
for 15 months

15.49% - 25.49% (Variable) APR

$0

Excellent, Good CreditLearn MoreView Card Details
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49% - 25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
U.S. Bank Altitude Go Visa Signature Card

0% intro APR
for 12 billing cycles

14.99% - 23.99%* (Variable) APR after that

0% intro APR
for 12 billing cycles

14.99% - 23.99%* (Variable) APR after that

$0*

Excellent CreditLearn MoreView Card Details
  • Earn 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $250 value redeemable towards merchandise, gift cards, cash back, travel and more
  • Earn 4X points on takeout, food delivery and dining
  • Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
  • $15 credit for annual streaming service purchases such as Netflix and Spotify
  • No annual fee*
  • 1X point per $1 on all other eligible purchases
  • Low Introductory APR on purchases and balance transfers
  • Points never expire
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee - either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Patented brushed stainless steel front and carbon back-weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions. Earn one point for every one dollar spent.
  • 24/7 Luxury Card Concierge®-Available by phone, email, and live mobile chat.
  • Exclusive Luxury Card Travel® benefits-average value of $500 per stay (e.g., amenities, room upgrades and complimentary food and beverages) at over 3,000 properties.
  • Members-only LUXURY MAGAZINE®.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus Lyft credits, ShopRunner membership, Fandango perks and more.
  • Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply.
  • Patented black-PVD-coated metal card-weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent.
  • 24/7 Luxury Card Concierge®-available by phone, email and live mobile chat. Reach out to manage tasks big and small.
  • Exclusive Luxury Card Travel® benefits-average value of $500 per stay (e.g., amenities, room upgrades and complimentary food and beverages) at over 3,000 properties.
  • Annual Airline Credit-up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
  • Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus Lyft credits, ShopRunner membership, Fandango perks and more.
  • Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.
  • Patented 24K-gold-plated front and carbon back-weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 2% value for cash back redemptions. Earn one point for every one dollar spent.
  • 24/7 Luxury Card Concierge®-available by phone, email and live mobile chat. Reach out to manage tasks big and small.
  • Exclusive Luxury Card Travel® benefits-average value of $500 per stay (e.g., amenities, room upgrades and complimentary food and beverages) at over 3,000 properties.
  • Annual Airline Credit-up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
  • Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus Lyft credits, ShopRunner membership, Fandango perks and more.
  • Annual Fee: $995 ($295 for each Authorized User). Terms and conditions apply.
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49%-25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49% - 25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
  • Earn 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $250 value redeemable towards merchandise, gift cards, cash back, travel and more
  • Earn 4X points on takeout, food delivery and dining
  • Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
  • $15 credit for annual streaming service purchases such as Netflix and Spotify
  • No annual fee*
  • 1X point per $1 on all other eligible purchases
  • Low Introductory APR on purchases and balance transfers
  • Points never expire
Subscribe to our latest articles, news, and promotions!