0% Balance Transfer Offers

List of 0% APR Balance Transfer Offers

A 0% balance transfer credit card is one that allows you to move other debt onto the card without paying any interest for a set period of time. Most balance transfer offers will not charge you any interest for either six or 12 months. After that, the card’s regular APR interest rate applies to any remaining balance.

There are several ways to take advantage of these offers. The most common use is to transfer high interest rate debt from other credit cards. By replacing a credit card balance charging interest with one that offers no interest, one can save a substantial amount of money. In some cases, you can use a balance transfer to pay off debt other than credit cards. And finally, some simply invest the money in a savings account to earn interest, and then pay the credit card offer in full when the introductory rate expires.

This last option is known as balance transfer arbitrage. The idea is simple. Rather than paying off a high interest balance, deposit the “free” money into a savings account during the 0% introductory period. Before the intro period expires, withdraw the money, pay off the card, and pocket the interest. Today, balance transfer arbitraging has become a lot less common for one very important reason–balance transfer fees.

A balance transfer fee is the cost credit card companies charge to transfer a balance onto the card. A few years ago you could find offers that did not charge a fee. Today, all balance transfer offers charge a fee that typically ranges from 3% to 5% of the amount transferred. While this still makes most 0% balance transfers a good deal, it is important to recognize that a fee will be charged.

Now let’s look at some of the best balance transfer offers currently available.

Citi Platinum Select MasterCard: The Citi Select comes with a 0% balance transfer offer good for 18, 12, or 7 months, depending on your credit worthiness. The card also has a relatively low regular APR. Also, while the Citi Platinum Select requires good credit, it doesn’t require excellent credit that many of the other balance transfer offers do.

Citi® Platinum Select® MasterCard®
	0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate* Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more Citi® Identity Theft Solutions Secure, free online account management No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 18 months on Balance Transfers* 11.99% – 19.99%* (Variable) None Yes Good

Chase Freedom® MasterCard
	0% Intro APR and No Annual Fee 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy! Unlimited 1% Cash Back on all other purchases with no spending tiers Up to an additional 20% cash back when you shop online at select merchants through Chase
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 12 months on Balance Transfers* 12.99%-22.99% Variable* None Yes Good

Citi CashReturns® Card
	0% APR on balance transfers for up to 18 months* Earn a full 2% cash back on all purchases for the first 6 months and 1% cash back thereafter Earn cash back on eligible cash advances and balance transfers Average 5% cash back at over 400 leading retailers through the Citi Bonus Cash Center No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% up to 18 months on Balance Transfers* As low as 12.99% Variable* None Yes Good

Discover® More Card – $75 Cashback Bonus
	0% intro APR on balance transfers for a full 12 months, then the Regular APR 0% intro APR on purchases for a full 6 months, then the Regular APR Get $75 Cashback Bonus when you make $500 in purchases within 3 months 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more Up to 1% unlimited Cashback Bonus on all other purchases No Annual Fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 12 months* 11.99% – 20.99% (Variable)* None Yes Excellent

Citi® Diamond Preferred® Rewards Card
	$50 gift card – Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-20.99% based on creditworthiness*. This APR will vary with the market based on the Prime Rate. 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter** Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 12 months* 12.99% – 20.99%* (Variable) None Yes Good

Citi® Diamond Preferred® Card
	0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 14.99%. This APR will vary with the market based on the Prime Rate. Concierge service that caters to your needs 24/7 Citi® Identity Theft Solutions Secure, free online account management No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 12 months* 14.99%* (Variable) None Yes Good

Citi Forward® Card
	Earn up to 8,500 bonus points after you sign up for paperless statements and make $250 in purchases within the first 3 months of account opening. 5 ThankYou points for every $1 you spend on restaurants and entertainment. 1 reward point for every $1 you spend on other purchases. Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row. No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% if you qualify* 12 months on Balance Transfers* 12.99% – 19.99%* (Variable) None Yes Good

Escape by Discover® Card
	25,000 Bonus Miles – Earn 1,000 Miles each month you make a purchase for the first 25 months 2 Miles per $1 on all purchases No limit on the Miles you earn and Miles don’t expire* Fly on any airline, book any hotel or car, with no blackout dates Use Miles for travel, merchandise, gift cards or cash 0% intro APR on purchases and balance transfers for 6 months than the regular APR Industry Leading Customer Service Enhanced travel benefits like Travel Delay Insurance and Trip Cancellation Insurance
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 months* 10.99% – 16.99% (Variable)* $60* Yes Excellent

Miles by Discover® Card
	12,000 Bonus Miles – Earn 1,000 Miles each month you make a purchase for your 1st year 1 Mile per $1 on every purchase Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year No limit on the Miles you earn and Miles don’t expire* Fly on any airline, book any hotel or car, with no blackout dates Use Miles for travel, merchandise, gift cards or cash 0% intro APR on purchases and balance transfers for 6 months than the regular APR No Annual Fee, No Overlimit Fee, No Redemption Fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 Months* 10.99% – 16.99% (Variable)* None Yes Good

Discover® More® Card – Monogram
	0% APR on Balance Transfers and Purchases for a full 6 months 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more Up to 1% unlimited Cashback Bonus on all other purchases automatically Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners Instant Response within 60 seconds No Annual Fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 Months* as low as 11.99% Variable* None Yes Excellent

Discover® MotivaCard
	Cash rewards for your good credit management Each time you make 6 on-time payments in a row, you’ll get a Pay-On-Time Bonus equal to a full month’s interest added to your Cashback Bonus account 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall Up to 1% unlimited Cashback Bonus on all other purchases 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR 3.99% intro APR on purchases for a full 12 months, then the Regular APR
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 3.99%* 15 Months* 11.99% – 20.99% (Variable)* None Yes Good

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