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.

  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
  • Contactless Cards - The security of a chip card, with the convenience of a tap
  • This online only offer may not be available if you leave this page or when visiting Bank of America Financial Centers. To take advantage of this offer, click "Apply Now" above.
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
18 billing cycles
Regular APR
12.99% - 22.99% Variable APR on purchases and balance transfers
Annual Fee
$0
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $0 Annual Fee
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • Select "Apply Now" to learn more about the product features, terms and conditions
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
18 months from account opening
Regular APR
16.49%-24.49% (Variable)
Annual Fee (rates & fees)
$0
  • 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.
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
18 months
Regular APR
14.74% - 24.74% (Variable)
Annual Fee
$0
  • 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.
Intro APR
0% on Balance Transfers
Intro APR Period
18 months
Regular APR
13.99% - 23.99% (Variable)
Annual Fee
$0
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
  • Contactless Cards - The security of a chip card, with the convenience of a tap
  • This online only offer may not be available if you leave this page or when visiting Bank of America Financial Centers. To take advantage of this offer, click "Apply Now" above.
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
15 billing cycles
Regular APR
13.99% - 23.99% Variable APR on purchases and balance transfers
Annual Fee
$0
  • 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 for 15 months from date of first transfer and on purchases from date of account opening. 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.
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
15 months
Regular APR
13.49% - 23.49% (Variable)
Annual Fee
$0
  • Earn a $150 cash rewards bonus after spending $500 on purchases in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.49% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • 1.8% cash rewards on digital wallet purchases including Google Pay™ or Apple Pay® during the first 12 months from account opening
  • $0 annual fee
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® card
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Select "Apply Now" to learn more about the product features, terms and conditions
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
15 months from account opening
Regular APR
14.49%-24.99% (Variable)
Annual Fee (rates & fees)
$0
  • Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening That's a $200 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
  • Bonus: You will earn 20% back on Amazon.com purchases on the Card in the first 6 months of Card membership, up to $150 back. Plus, you will earn $100 back after you spend $2,000 on purchaseswithin the first 6 months of card membership.
  • Rewards: You will earn 3% cash back on purchases at U.S. supermarkets, up to the first $6,000 per year, then 1% cash back afterwards. You will earn 2% cash back at U.S. gas stations and at select U.S. department stores. You will earn 1% cash back on other purchases.
  • Annual Fee: This credit card has no annual fee. (rates & fees)
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 13.99% - 23.99%.
  • Great offer from U.S. Bank, a 2020 World's Most Ethical Company® - Ethisphere Institute, February 2020.
  • No Annual Fee*
  • Flexibility to choose a payment due date that fits your schedule.
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
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