0 promotional apr on balance transfers

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0 promotional apr on balance transfers

But only for a very limited amount of time.

It’s tempting to take advantage of credit card offers – promotional APR’s of 0% means you pay no interest at all for a limited amount of time.

The expiration date of the Promotional APR of our credit card is a piece of information credit card companies conveniently hide.

It does not appear on your credit card statements: not on the paper statements and not on the electronic statements. It does not appear on your account management section online either.

Keep the original offer:

We strongly suggest you should keep a copy of the original offer: either the pamphlet you got by mail, or a print out of the web offer.

The confirmation email of your application will most likely not mention the expiration of the 0% promotional APR either. Print out the actual offer that appears before you submit the application.

Keep track of your Credit Card’s Balance transfer APR

0% Promotional APR:

With a log: Huge Savings

Without a log: A financial nightmare

In the vast majority of credit cards, you will need to call the customer service number in the back of your card, be on hold for a live representative, who will look it up and provide you with your promotional APR expiration date. Go only ONCE through this hassle. Keep track of all your expiration dates with a clear, easy to use log.

An up-to-date log is a great tool to ensure that your promotional APR’s generate real savings to you. Expired APR’s run as high as 24% or more. Banks try to make it very inconvenient for you to see when your Promotional APR will expire. And as of today, there is no legislation requiring banks to make this information easily accessible.


0 APR On Balance Transfers For 12 Months – How It Works?

Although the offer is nothing but an introductory rate, being able to enjoy zero finance charge for a whole year can mean so much to individuals who are trying to settle their debts. By transferring all the balances to a lower rate card, you will be able to pay down your debts without a single dollar paid on interest. What’s more is that these cards offer more flexibility in form of incentives and extended payment period.

Let’s forget about the limited-time interest rate; that is part of the contract. After all, how else can a credit card issuer make profit if it continues to offer zero finance charges? Perhaps the main disadvantage of 0% APR is the impact that it can create on your credit score. Moving a huge balance to a card with low credit line could easily bring down your credit rating.

Another potential pitfall is when the new card imposes an annual fee. Transferring to yet another low-interest card may not solve this problem. I know of some issuers that do not allow transfers for the second time within a specified period of time.

Things To Consider Before Making The Transfer

After taking into account all the advantages and disadvantages of transferring balances, perhaps you may still want to consider this option in order to pay down your debt quickly. But before that, here are some tips for getting the best deal on zero-interest credit cards:

  • Look for a credit card that has a lower cap for transaction fees. Sad to say, transfer fees are not waived. An ideal fee should be no more than 3% of the balance that you intend to transfer.
  • Some credit card issuers generously offer a fixed rate until all the balances have been paid off. This is only applicable for transferred debts. Find a credit card with a rate that is still lower than the average APR.
  • Go for a card that provides longer grace periods and incentives.


Best Balance Transfer Cards Of 2017

0 promotional apr on balance transfers

Our list of best balance transfer cards was created to help you save a little money and pay off your credit card debts a little quicker. Credit cards that offer 0% balance transfer deals are great for people who have a plan to pay off their debts. Start by making a plan on how much you are going to pay off every month, and transfer your balance from your current card to a credit card with a 0% balance transfer APR. Once your balance has been transferred, you will not have to pay interest on the money you owe right away.

You are given are few months with 0% APR. During that time, you may make repayments on your card debt without losing any of your payment to interest. Use our best balance transfer cards list to find a good 0% balance transfer deal, then make a plan to repay your debt, and use the card exclusively for transferring your debt. Do not use the cards for anything else, just for transferring and paying off your debt. If you use 0% balance transfer cards in this manner, then it becomes easier to pay off your debts faster.

Will It Affect My Credit Rating?

Let us assume that you have found a one of the best balance transfer cards from this article. Let us also assume that you have made a plan to pay off your debt. You have applied for the credit card with the most suitable 0% balance transfer, and you are about to transfer your balance from your old credit card to your new one.

The question is, will all of this affect your credit rating? To start with, you will see your credit rating go down. It goes down a little because you just got a new credit card and the credit agencies want to see how you handle your new account.

Your credit rating will go up again, and it will rise higher than it used to be, but only if you follow your plan. Your credit rating will return to normal because you will be following a debt repayment plan (that you created) and will be making payments to your new credit card that are higher than the credit card minimum requirement.

As time goes on, your credit rating will go up higher than it used to be because your debt repayment plan is helping you get out of debt and pay off your credit card debt. Once you have paid off your credit card debt, you will have proven to the credit card companies that you are good with your money and they will give you a higher credit rating.

Should You Cancel Your Credit Card After Paying It Off?

If you have been in credit card debt for a long time and you have struggled to pay it off, then you should cancel your card as soon as you have paid it off. You should never dabble with credit card debt again. Getting stuck in credit card debt is the worst. It is viciously difficult to get out of, and we should be thankful that credit card companies with 0% balance transfer offers are available to help us get out of credit card debt.

Some people will tell you that cancelling your credit card will negatively affect your credit rating, and it is true because usually it will, but the damage is not nearly as bad as you think. Most of the bigger credit companies will take a look at your credit history, they will see that your FICO score dipped a little because you cancelled a credit card, and they will look past it. What’s more, cancelling your credit card after spending years getting out of credit card debt is proof you have learned how to be good with your money.

You shouldn’t cancel your credit card if you are a frequent credit card user and you frequently pay off the balance in full. The only time you should cancel your credit card is if you find one or two that are better, or if you stop using it and no longer need it.

If you are looking for a balance transfer offer, and you intend to use your credit card frequently, then the Amex EveryDay Credit Card is the one for you. The best way to use a credit card that has a 0% balance transfer offer is to transfer your balance and then pay it off while you do not have to pay interest. However, if you wish to transfer your balance, and then resume spending on your card, then a good “Every Day” card is what you need.

The Amex EveryDay Credit Card from American Express

Required Credit Score: 690

No Annual Fee For This Or Additional Cards

Unless your card serves a purpose other than lending, such as credit rebuilding, then you shouldn’t have to pay an annual fee because it is unfair (in my opinion). An annual fee would also lessen the benefit of a 0% APR for balance transfers. The Amex EveryDay credit card doesn’t have a maintenance fee.

12 Months Of 0% Balance And Purchase APR

Not only do they give you a healthy 12 months where you do not have to pay interest on your balance transfer, you also get 12 months for purchases. This means that you may transfer your balance, and you may start spending on your account, and you will not have to pay interest on your debt for a full year. It is a very good offer if you are planning on buying things with your card.

A Regular APR of Between 13.74% and 23.74%

The 13.74% APR is obviously for people who have excellent and beyond credit ratings. Most people will receive the 23.74% APR, and that isn’t bad. Anything about 27% is considered above average. Anything below 21% is often considered below average for people with good-to-average credit ratings.

There Is A Points Reward System

When you earn points, you may put your points towards eligible charges on your card, such ash for dining, retails and entertainment. You may pay with points when you book with American Express travel. You may also transfer your points over to American Express’s traveler program.

Earn Extra Rewards Points For Early Spending

If you spend $1000 during the first three months of your account being open, then you receive an extra 10,000 reward points with their rewards program.

When you spend one dollar, you get one point. Spend money in a supermarket, and you get two points per dollar. The double-points reward is only eligible up to $6000, which is a bit of a let down (but it is better than nothing). There are also promotional purchases where you may earn up to 20% more points if you spend money where the Amex Every Day credit card suggests. You have to sign up for their email marketing in order to find out where you should spend your money.

The Amex EveryDay Credit Card from American Express is a good credit card for people who are itching for a 0% balance transfer, and who are looking to spend money on their card rather than just pay it off.

They have terrible customer service. They do honor their promotions, but if you have a problem that includes getting help from their customer service, then you may be better off cutting your losses and trying a different credit card. Their customer service is really that bad. Their name has “America” in it, and yet they give customer service jobs to people with broken English in other countries.

Low APR For People With Excellent Credit

If you have an excellent credit rating of 720 or more, then you may choose a 0% balance transfer credit card with better or more attractive terms. The Barclaycard Ring MasterCard has been chosen in this case because it offers a robust 15 months of 0% interest on balance transfers, and the regular APR is only 13.49%. Over a year without paying interest on your balance transfer, and a low APR are the reasons why the Barclaycard Ring MasterCard wins in this category.

Barclaycard Ring MasterCard

0% Balance Transfer For 15 Months

It is not the longest interest-free period in this article, but it is a good amount of time. It is more than enough time to make payments on your credit card and clear the balance before you start paying interest on your balance transfer. You have to make the transfer within 45 days of opening your account to be able to use the offer.

0% On Purchases Made With The Card

For the first 15 months, you will not have to pay interest on your purchases. Whenever you make a purchase, you will have to pay off the minimum in order to clear the balance, but no interest will be added to your account. After the promotional period is over, you will only have to pay 13.74% APR for your purchases, which is a very good rate in the credit card world.

Many times, your balance transfer is muddied with a transfer fee. In order to make a little more money, the lending company adds a transfer fee to your balance transfer, which means you still have to pay money towards something you are trying to clear. With the Barclaycard Ring MasterCard, you do not have to pay any type of balance transfer fee.

No Foreign Transaction Fees When Traveling

If you use your Barclaycard Ring MasterCard when abroad, you will not be charged an extra fee for making purchases. You will be charged fees for withdrawing with a foreign ATM, but not for making purchases. Some credit card companies charge you a fee to convert your money, but the Barclaycard does not. The only problem is that you do not get a good conversion rate. You would be better off with CurrencyFair or Transferwise.

Free Access To Your FICO Score

A common benefit of modern credit cards seems to be the ability to see your credit rating for free. Barclaycard is another company that allows you to see your credit rating for free by signing up for one of their credit cards.

Ever wondered why some people work so hard to get a good credit rating? To get a Barclaycard Ring MasterCard, you need a credit rating of at least 720. If you do, then you get an APR rate 13.74% APR for purchases, balance transfers, and for cash advances. Most credit cards charge you a higher rate for wash withdrawals, but that is not the case with the Barclaycard Ring MasterCard. Obviously, the 13.74% APR only applies to purchases and balance transfers after the promotional period is over.

The Barclaycard Ring MasterCard is practically perfect in every way. If it is so great, why didn’t it appear in the “Best Credit Card” category in this article? It is because you need an Excellent credit rating of at least 720 to get this card, and most people don’t have that sort of credit rating. I didn’t have that sort of credit rating for about 80% of my adult life, so I don’t expect it of anybody else. The card is a fantastic card, but it wins the “Low APR For People With Excellent Credit” category because it is suitable for people with an Excellent credit rating.

If you can get it, then get it. If you cannot get it, then read our wealth-building, credit repair and investing articles, make oodles of money like the echeck.org team and I have done, then go get yourself a Barclaycard Ring MasterCard. Also, don’t forget to tell your friends that we gave you all of this information for free. We could charge for subscriptions to our articles, but we have worked hard for our money and built our wealth, now let us show you how we did it so that you may do the same.

Best Credit Card For An Average Credit Rating

It was really tricky trying to find a credit card that catered to people with an average-to-poor credit rating. A poor credit rating is one that is less than 630. I choose the Chase Slate credit card, which asks for a 630 or higher credit rating.

The most probable reason why many credit card companies do not give 0% balance transfer options to people with a poor credit rating is because such people will use it to postpone paying off their debt rather than making strides to pay off the balance.

There are a few credit unions that offer credit cards for people with poor credit ratings, but I didn’t include them in this article because they are not available to most people in the USA. They are only for specific groups of people or people in certain areas. The Chase Slate is for people with a credit rating of 630+, and is available for most people in the USA.

Chase Slate Credit Card

Required Credit Rating: 630

0% APR On Balance Transfers For 15 Months

Even with an average credit rating that is on the cusp of being a poor credit rating, you can still enjoy 15 months of 0% interest on your transferred balance. You can really use this time to pay down your credit card debt and rebuild your FICO score at the same time.

Transfer Your Balance Without Paying A Fee

If you make your balance transfer request within sixty days of opening your Chase Slate account, then your transfer is free. They will not charge you for making your balance transfer, which means you make a deeper saving by transferring your balance. Wait for more than sixty days, and they will charge you 5% of the transfer amount with a minimum fee of $5.

No Penalty APR For Late Repayments

Some credit cards will increase your APR if you miss a payment. They may remove your 0% APR, or they may shunt up your APR from the promoted APR to a nastier one. The Chase Slate card will not do this. If you use the card for cash advances, then you will pay an APR of between 15.49% to 29.99%.

There Is No Annual Fee For Using This Card

You do not have to pay any sort of maintenance fee for using your Chase card and its services. Your credit limit depends on Chase’s judgment, which is influenced slightly by your FICO score. The minimum credit limit you will receive is $500. Few people get a limit above $2500.

APR Rates Range From 15.49% To 24.24%

If you stick with your Chase card for long enough, then you will run through all the promotions and will have to start paying their regular APR rates. Their APR rates are about average, which is good when you consider that you can get a card with a credit rating of just 630.

No APR On Purchases For 15 Months

If you decide to use your card for buying things, then your first 15 months are APR free for purchases. This is an amazing offer and something that other credit cards are not going to offer people with an average credit rating. This is the sort of thing that other credit card companies offer people with credit ratings of around 690 or more. It is a great offer for people with almost-poor credit ratings.

I read a little bit about the Chase Slate before I signed up for one, and everything I read was fantastic. All the things listed above are true; they really are offering a brilliant deal for people with average credit ratings. However, I am wary of things that seem too good to be true. I did extra research into the card and its online reputation. I figured there must be a catch. There must be a negative side to this card.

My Comments And Opinion – What’s The Catch

I did notice that some websites only show positive user reviews for Chase Slate and they remove negative reviews to make the card seem more highly rated than it is. The Chase Slate also has a good affiliate program, which means web masters will happily lie about it to receive payments when people sign up for the Chase Slate.

We don’t lie, but we do overly promote Transferwise because we are paid when people sign up for it. The truth is that CurrencyFair is probably as good at Transferwise, but we overly promote Transferwise because we are paid when people sign up for it. Webmasters do a similar thing with Chase Slate.

The biggest downside to Chase Slate is that your starter credit limit will be between $1000 and $2500, and that is not enough for some people. Some people think that because they have a great credit rating that they will get a higher credit limit–but they won’t.

My Comments And Opinion – Should You Get The Card?

If you have an average (not great) credit rating, then the Chase Slate is probably your best option. It is a great card with plenty of perks and upsides. The only downside for most people is the fact you cannot get a high credit limit. Here is what I would do:

Let’s say you have a $3000 credit card balance. You get a Chase Slate with a limit of $1500. Transfer that amount over to your first credit card. Slowly pay off the $1500 on the Chase Slate card over 15 months. Pay off the slate card, cancel it, wait six months, and sign up for the Chase Slate again, or see if you are eligible for another credit card. You should only have $1500 (or less) on your original credit card, so do another balance transfer of $1500, close your first credit card and pay off your Chase Slate over 15 months.

Longest Introduction 0% Balance Transfer Period

There are two winners in this category, and they are both from Citi. One card is for people who have an excellent credit rating, and one is for people who have a good-but-not-great credit score. Both cards offer very similar things, except that the preferred card offers free VIP access to local parties and events.

The preferred card also has a concierge service, which we didn’t try because I couldn’t come up with a circumstance in which I may need a concierge service. I thought that maybe I could call and ask if they know where a local cinema is or something, but then I realized I have better things to do than artificially come up with reasons to call a number. Maybe Citi should do a better job explaining what their concierge service does so that jokers like me don’t have to sit in the bath thinking of reasons to call a number. Anyway, I digress; here are the two cards with the longest 0% balance transfer offers.

Citi Diamond Preferred Card

Required Credit Score: 700

Citi Simplicity Card – No Late Fees Ever

Both Cards Offer 21 Months Of 0% Balance Transfer

Once you open your account, you are given the option of a balance transfer. It is in the form of an online offer. We are not sure how long the offer lasts for, but we suggest that you make the transfer within 30 days of opening your account because that is usually how long credit cards such as this give you.

Both the Citi Simplicity Card and Citi Diamond Preferred Card give you 0% APR on purchases for up to 21 months. That means that it is possible to buy something on the first day that you get your card, and not have to pay interest on that amount for almost two years.

What APR Rates Do They Normally Charge?

Once your promotional period has ended, you will have to start paying their regular APR rates. The Citi Diamond Preferred Card is for people with a slightly better credit rating, and their APR rates go from 13.24% to 23.24%. The Citi Simplicity Card gives you a rate between 14.24% and 24.24%. Both rates are about average for these cards.

It may be up to 21 months before this credit card company makes any money off of you. If you only conduct a balance transfer, or if you only make applicable purchases, then it may be up to two years before they are able to earn any interest off of you. That is why their 3% transfer fee is quite reasonable (in my opinion).

No Annual Fee And You Get Extended Warranty

There is no annual fee (maintenance fee) for having or using your Citi credit card. Your card comes with $0 liability on unauthorized charges, and both cards come with extended warranty when you make purchases with your Citi credit card. The extended warranty means that you may be able to get a partial refund or your product replaced even after the manufacturer’s warranty has expired

Free Car Rental Insurance Worldwide

I have no idea why this point is hidden in their small print, but the fact is that you can get car rental theft and damage insurance for free if you pay for your car with your Citi credit card. This applies to both the Citi cards. Simply pay for your car rental anywhere in the world, decline the rental company’s collision loss/damage insurance, and you are covered by your Citi card. Please find out the particulars of this before you take advantage of it. For example, being insured under your credit card may not be sufficient insurance in some countries.

Both Cards Come With Travel And Emergency Assistance

If you are a Citi credit card account holder, they have a travel assistance phone number you can call. They refer you to places such as medical centers with English-speaking staff, to services near you, and to legal/government agencies near you. As a caller, you will not have to pay for the phone call to Citi, but you will have to pay for the services that the Citi staff directs you towards.

24/7 Customer Service, Account Alerts And ApplePay

Both of that credit cards come with 24/7 customer support services, and both allow you to set up account alerts. You may choose your bill due/ payment due date. Both allow you to use ApplePay. With the Preferred card, you also get a Citi Private Pass to customer parties in your area, and a personal concierge service that helps you with travel, dinging, everyday financial needs and entertainment shopping.

What’s With The Required Credit Score?

We couldn’t figure out what the required credit score was because many review websites varied in their opinion. The Citi website itself didn’t say, and neither did their documentation. We couldn’t tell ourselves via our own applications because our credit ratings are all very high. We contacted the head office, and eventually got through to a charming young woman who said that Citi uses a number of factors to judge if you get your credit card or not. They mainly use credit scores to figure out what APR you get. The required credit scores listed on our website are simply indicative of what you need to all-but guarantee that you get a Citi Diamond Preferred Card or Citi Simplicity Card.

Most credit card companies will happily give you a credit card if you have a credit rating of around 690 or above. A great many credit card companies will give you a credit card if you have a credit rating of less than 600. The Citi cards are built for people with good credit and people with good/excellent credit.

Should you get the card yourself? It all depends on your game plan. If you are looking to save money by conducting a balance transfer, and then save money by not paying interest on your purchases for nearly two years, then you should probably get one of the Citi cards.

If you are trying to get out of debt as efficiently as possible, then consider a Citi card. I like the fact that it gives you almost two years without having to pay interest. I think it can be a vital tool in your get-out-of-debt plan if you only use it for a balance transfer and then endeavor to pay it all off within 21 months.

More Of The Best Balance Transfer Cards

The truth is that there are quite a few credit cards out there that offer a 0% balance transfer offer, and also give a good lending and card service. A 0%the balance transfer offer is an enticing perk that draws in new people, and it instantly puts people into hundreds and thousands of dollars in debt with the credit card company. After all, why wait 12 months for you to build up $2000 worth of debt, when they can offer you a credit limit of $2000 and a 12-month 0% APR for balance transfers. It is a good deal for users, and it is a convenient customer acquisition method for credit card companies. Below is a list of the best balance transfer cards in the USA, but I have added a little information and a few tips prior to the list.

A Few Notes On The Balance Transfer Cards List Below

The first note is that the cards require a credit rating of around 690. If you have a lower FICO score than 690, then you may have trouble getting one of the cards on the list below. The second note is that all the 0% balance transfer periods are promotional. The credit card companies often expect you to make a balance transfer within a few days or weeks of you opening your account.

The transfer fee is what is added to your credit card for the act of transferring your negative balance from one credit card to your new credit card. Usually, the fee is added to the new credit card, so be wary of transferring a full amount.

For example, if you get a credit limit of $1200, and your transfer fee is 3%, then $1165 is the biggest amount of money you will be able to send over to your other credit card. That is because when you send $1165, you will be charged a 3% fee of $35, which will bring your total new balance to $1200.

The 0% balance transfer period is the amount of time you will not have to pay interest on your balance. For example, consider two scenarios. One where you transfer $1000 from a regular card with an APR of 10% for 12 months. And, one where you transfer $1000 for 12 months with a 0% balance transfer offer.

Both ask for a minimum payment of $50 per month. However, the 10% APR card is adding $8.33 interest every month. Your 0% balance transfer card is not adding interest, and so is easier and quicker to pay off.

Let us assume that you only use your new card for balance transfers. Once the promotional period is over, you will have to start paying the credit card company’s standard APR on your balance.

The amount of APR you are given will depend upon your credit rating and the credit company itself. The cards in the list below were chosen because they offer a good deal and a high quality lending/card service.

There are some credit card companies and some credit unions that will sucker people in with a sexy balance transfer offer, and then kick them later with a big APR. The list below features cards that have an industry-average APR. The industry average is between 21% and 27%. That is what most people with a 690 credit rating will have to pay as an Annual Percentage Rate (APR).

BankAmericard Credit Card

Get 0% balance transfer for 18 Billing Cycles

Regular non-promo APR rate is: 11.74% to 21.74%

Discover it to 18 Month Balance Transfer Offer

Get 0% balance transfer for 18 Months

Regular non-promo APR rate is: 11.74% to 23.74%

Citi Double Cash Card – 18 month BT offer

Get 0% balance transfer for 18 Months

Regular non-promo APR rate is: 14.24% to 24.24%

Wells Fargo Platinum Visa Credit Card

Get 0% balance transfer for 15 Months

Regular non-promo APR rate is: 15.90% to 25.74%

Wells Fargo Propel American Express Card

Get 0% balance transfer for 15 Months

Regular non-promo APR rate is: 13.74% to 25.74%

Get 0% balance transfer for 15 Months

Regular non-promo APR rate is: 15.49% to 24.24%

Chase Freedom Unlimited

Get 0% balance transfer for 15 Months

Regular non-promo APR rate is: 15.49% to 24.24%

Discover it to Cashback Match

Get 0% balance transfer for 14 Months

Regular non-promo APR rate is: 11.74% to 23.74%

Discover it chrome

Get 0% balance transfer for 14 Months

Regular non-promo APR rate is: 11.74% to 23.74%

NHL Discover it Card

Get 0% balance transfer for 14 Months

Regular non-promo APR rate is: 11.74% to 23.74%

M&T Visa Credit Card with Rewards

Get 0% balance transfer for 12 Months

Regular non-promo APR rate is: 11.49% to 18.49%

Citizens Bank Cash Back Plus World MasterCard

Get 0% balance transfer for 12 Months

Regular non-promo APR rate is: 14.99% to 20.99%

TD Bank Payment Plus Visa

Get 0% balance transfer for 12 Months

Regular non-promo APR rate is: 21.24%

Commerce Bank Kansas City Royals with Rewards

Get 0% balance transfer for 12 Months

Regular non-promo APR rate is: 14.49% to 20.49%

PNC points Visa

Get 0% balance transfer for 12 Months

Regular non-promo APR rate is: 12.49% to 22.49%

Barclaycard Arrival Plus World Elite MasterCard

Get 0% balance transfer for 12 Months

Regular non-promo APR rate is: 16.49% to 23.49%

BankAmericard Cash Rewards Credit Card

Get 0% balance transfer for 12 Billing Cycles

Regular non-promo APR rate is: 13.74% to 23.74%

Blue Cash Everyday Card from American Express

Get 0% balance transfer for 12 Months

Regular non-promo APR rate is: 13.74% to 23.74%

Blue Cash Preferred Card from American Express

Get 0% balance transfer for 12 Months

Regular non-promo APR rate is: 13.74% to 23.74%

Susan G. Komen Credit Card

Get 0% balance transfer for 12 Billing Cycles

Regular non-promo APR rate is: 13.74% to 23.74%

The Amex EveryDay Credit Card from American Express

Get 0% balance transfer for 12 Months

Regular non-promo APR rate is: 13.74% to 23.74%

The Amex EveryDay Preferred Credit Card from American Express

Get 0% balance transfer for 12 Months

Regular non-promo APR rate is: 13.74% to 23.74%

Get 0% balance transfer for 12 Months

Regular non-promo APR rate is: 12.49% to 25.49%

Wells Fargo Cash Wise Visa Credit Card

Get 0% balance transfer for 12 Months

Regular non-promo APR rate is: 13.74% to 25.74%

US Bank FlexPerks Select+ American Express Card

Get 0% balance transfer for 9 Months

Regular non-promo APR rate is: 14.74% to 24.74%

Regions Visa Signature

Get 0% balance transfer for 7 Months

Regular non-promo APR rate is: 13.24% to 20.24%

East West Bank Visa Bonus Rewards Card

Get 0% balance transfer for 6 Months

Regular non-promo APR rate is: 12.24% to 23.24%

Commerce Bank Kansas City Zoo Visa with Rewards

Get 0% balance transfer for 6 Months

Regular non-promo APR rate is: 14.49% to 20.49%

Commerce Bank Miles Credit Card

Get 0% balance transfer for 6 Months

Regular non-promo APR rate is: 10.49% to 20.49%

Special Connections MasterCard with Rewards

Get 0% balance transfer for 6 Months

Regular non-promo APR rate is: 10.49% to 20.49%

Comerica Visa Signature Bonus Rewards

Get 0% balance transfer for 6 Months

Regular non-promo APR rate is: 12.49% to 23.49%


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Review our Credit Card Offers from our Partners. - Advertiser Disclosure

0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.99%

Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening

Get rewarded for business as usual. Earn 2X points on everyday business purchases such as office supplies or client dinners. . Terms Apply

Earn 5,000 Membership Rewards® points after your first purchase on the Card . Terms & Limitations Apply

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Balance Transfer Credit Card Offers

Apply for a 0% Balance Transfer credit card below. Get up to 18 months of 0% interest on some of our balance transfer credit cards when you compare the offers below. Shop for balance transfer Visa, Mastercard and Discover cards here. (From our Partners)

  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.99%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score

0 promotional apr on balance transfers

Intro (Balance Transfers): 0% 15 months (on balance transfers made within 45 days of account opening)

Regular APR: 13.99% Variable

  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • Enjoy a 0% introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on balance transfers for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee

0 promotional apr on balance transfers

Intro (Balance Transfers): 0% 15 months (on balance transfers made within 45 days of account opening)

Regular APR: 15.99%, 20.99% or 25.99% Variable

  • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Points awarded in your TrueBlue account don't expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection

0 promotional apr on balance transfers

Intro (Balance Transfers): 0% introductory APR First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening

Regular APR: 12.99%, 20.99% or 25.99% variable

Credit Needed: Excellent/Good

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.99%, 20.99% or 23.99%, based on your creditworthiness. Please note, there is a fee for balance transfers

0 promotional apr on balance transfers

Intro (Balance Transfers): 0% 12 months (on balance transfers made within 45 days of account opening)

Regular APR: 16.99%, 20.99% or 23.99% Variable

Annual Fee: $89 - waived first year

  • Earn 30,000 bonus points after you spend $1,000 on purchases within the first 90 days
  • Earn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
  • Points awarded in your TrueBlue account don't expire.
  • Earn and share points together with Family Pooling
  • Earn 5,000 bonus points every year after your account anniversary
  • 50% savings on eligible inflight purchases like cocktails and food & the primary cardmember's first checked bag is free on JetBlue-operated flights
  • Enjoy TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases each calendar year with your card
  • Enjoy a $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card

0 promotional apr on balance transfers

Intro (Balance Transfers): 0% introductory APR First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening

Regular APR: 12.99%, 20.99% or 25.99% variable

To do a balance transfer, simply apply for any of the cards below and enter the account(s) you want to balance transfer in your application, and the credit card company will pay those balances if you are approved. Get your 0% Promotional Balance Transfer Offer for today!


Best Balance-Transfer Credit Cards of 2017

Transferring high-cost credit card debt to a balance-transfer credit card with a 0% introductory APR can help chip away at debt with the power of a jackhammer. In fact, paying down a $5,000 balance over 21 months will cost a whopping $825 in interest charges at an 18% APR. You may be able to pocket the savings instead with our picks for the best balance-transfer credit cards. Here are our favorites.

0 promotional apr on balance transfers

Best for: $0 balance transfer fee

Barclaycard Ring™ Mastercard® stands out because of its focus on cutting fees without sacrificing the benefits of an intro APR. In addition to offering a 0% intro APR on both new purchases and qualifying balance transfers, cardholders can also look forward to no fees for balance transfers, foreign transactions, and the annual dues. Few balance-transfer cards we know of include that wallet-friendly trifecta. But be sure to keep your credit score in mind when applying as the card is meant for cardholders with excellent credit. Read our full Barclaycard Ring™ Mastercard® review to learn more.

  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.99%

0 promotional apr on balance transfers

Best for: Long 0% intro APR

The Citi® Diamond Preferred® Card punches above its weight, including both a low APR and a 0% intro APR on new purchases and balance transfers for 21 billing cycles, which is one of the longest offers we’ve come across. Citi® Diamond Preferred® Card also includes a $0 annual fee, making it a solid credit card for cardholders wanting to cut both interest charges and fees. Read our full Citi® Diamond Preferred® Card review to learn more.

  • Get 0% introductory APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 13.49%-23.49% based upon your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO® Scores*

0 promotional apr on balance transfers

Best for: Late payments and no penalty APR

Cardholders seeking occasional payment forgiveness may find Citi Simplicity® Card to be a suitable balance-transfer credit card. Citi Simplicity® Card doesn’t charge late payment fees, and it doesn’t bump up a cardholder’s APR as a penalty for missed payments. But the card doesn’t skimp on features in favor of a longer leash for payment forgiveness. Citi Simplicity® Card dishes out a swoon-worthy 0% intro APR for 21 billing cycles for both new purchases and balance transfers made within four months. Read our full Citi Simplicity® Card review to learn more.

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.
  • 0% introductory APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.

0 promotional apr on balance transfers

Best for: Cash back and 0% intro APR

Discover it® - Cashback Match™ is a versatile option for many needs. In addition to a 0% intro APR for 14 billing cycles for purchases and balance transfers, the card offers up to 5% cash back ($1,500 quarterly spending cap) in rotating bonus categories you activate, in addition to a FICO® score for free. Carrying this card address a cardholders evolving needs and could reduce the number of total cards necessary, first paying off debt balances faster followed by "transactor" strategies to harvest the full value of credit card rewards by avoiding interest charges. Read our full Discover it® - Cashback Match™ review to learn more.

  • You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.

0 promotional apr on balance transfers

Best for: Balance transfers and cash back

Citi® Double Cash Card is a versatile card that fits cardholders needs beyond the 0% intro APR. Transactor strategies (paying off balances each month to earn rewards and avoid interest) are powerful ways to make your money work better for you, but only once getting out of debt. Citi® Double Cash Card offers a long 0% intro APR for 18 billing cycles for qualifying balance transfers plus an innovative cash-back program that incentivizes paying off purchase balances. Cardholders earn a total of 2% cash back, 1% when making purchases and 1% when paying. Both perks are best-in-class in their own right, which highlights why we covet this card. Read our full Citi® Double Cash Card review to learn more.