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SAVE MONEY WITH A 0% BALANCE TRANSFER CREDIT CARD

0% APR balance transfers are a powerful tool that can help consumers save tremendous amounts of money on interest while significantly reducing the time it takes to get out of credit card debt.

Below you will find information on money saving balance transfer credit card offers as well as links to secure online applications. All links open in new windows. If a link fails to open, temporarily disabling your pop-up blocker will fix the problem.

CHASE SLATE®




Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 15 months*
0% for 15 months*
12.99%, 17.99%, 22.99% (V)*
$0
Excellent Credit


Key Features
  • Pay less interest. Save on balances and new purchases.
  • $0 balance transfer fee - introductory offer!
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • $0 Annual Fee
VIEW ALL FEATURES

Additional Features
  • Pay less interest. Save on balances and new purchases.
  • $0 balance transfer fee - introductory offer!
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • $0 Annual Fee
Apply Now

CITI SIMPLICITY® CARD




Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 18 months*
0% for 18 months*
12.99% - 21.99%* (Variable)*
$0*
Excellent Credit


Key Features
  • 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.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
  • No penalty rate - Ever
  • No annual fee - Ever
  • Save time when you call with fast, personal help, 24 hours a day.
VIEW ALL FEATURES

Additional Features
  • 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.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
  • No penalty rate - Ever
  • No annual fee - Ever
  • Save time when you call with fast, personal help, 24 hours a day.
Apply Now

BANKAMERICARD CASH REWARDS™ CREDIT CARD




Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 12 billing cycles*
0% for 12 billing cycles for qualifying balance transfers*
12.99% - 22.99% Variable* on purchases & balance transfers*
$0
Excellent Credit


Key Features
  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on purchases everywhere, every time
  • 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter.
  • Bank of America customers: Get an ongoing 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% variable APR
  • No annual fee
  • No changing categories and your rewards do not expire
VIEW ALL FEATURES

Additional Features
  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on purchases everywhere, every time
  • 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter.
  • Bank of America customers: Get an ongoing 10% customer bonus every time you redeem cash back into a Bank of AmericaŽ checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% variable APR
  • No annual fee
  • No changing categories and your rewards do not expire
Apply Now

DISCOVER IT®




Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 6 months*
0% for 18 months*
10.99% - 22.99% Variable*
$0
Excellent Credit


Key Features
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • * Click 'Apply' to see rates, rewards, and free FICO® Credit Score terms and other information.
VIEW ALL FEATURES

Additional Features
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & BeyondŽ on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICOŽ Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • * Click 'Apply' to see rates, rewards, and free FICOŽ Credit Score terms and other information.
Apply Now

BANKAMERICARD® VISA® CARD




Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 15 billing cycles*
0% for 15 billing cycles for qualifying balance transfers*
10.99% - 20.99% Variable* on purchases & balance transfers*
$0
Excellent Credit


Key Features
  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
VIEW ALL FEATURES

Additional Features
  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
Apply Now

CITI SIMPLICITY® CARD




Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 18 months*
0% for 18 months*
12.99% - 21.99%* (Variable)*
$0*
Excellent Credit


Key Features
  • 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.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
  • No penalty rate - Ever
  • No annual fee - Ever
  • Save time when you call with fast, personal help, 24 hours a day.
VIEW ALL FEATURES

Additional Features
  • 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.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
  • No penalty rate - Ever
  • No annual fee - Ever
  • Save time when you call with fast, personal help, 24 hours a day.
Apply Now

CAPITAL ONE® PLATINUM PRESTIGE CREDIT CARD




Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% until July 2015*
0% until July 2015*
10.9% - 18.9% (V)*
$0
Excellent/Good


Key Features
  • Transfer a balance for 0% intro APR until July 2015
  • Get 0% intro APR on all purchases until July 2015
  • Enjoy no annual fee
  • Get peace of mind with fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Fast and easy access, 24/7
  • Rent a car using your card and get collision, damage, and loss insurance
  • Feel secure with 24-hour roadside assistance
VIEW ALL FEATURES

Additional Features
  • Transfer a balance for 0% intro APR until July 2015
  • Get 0% intro APR on all purchases until July 2015
  • Enjoy no annual fee
  • Get peace of mind with fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Fast and easy access, 24/7
  • Rent a car using your card and get collision, damage, and loss insurance
  • Feel secure with 24-hour roadside assistance
Apply Now

BARCLAYCARD® REWARDS MASTERCARD® - AVERAGE CREDIT




Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

N/A
N/A*
24.99%* (Variable)*
$0
Average Credit


Key Features
  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
VIEW ALL FEATURES

Additional Features
  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICOŽ Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICOŽ Scores from your Barclaycard online account.
Apply Now

CAPITAL ONE® QUICKSILVER® CASH REWARDS CREDIT CARD




Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% until January 2015*
0% until January 2015*
12.9% - 22.9% (V)*
$0
Excellent/Good


Key Features
  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • Your cash back doesn't expire
  • 0% intro APR on purchases and balance transfers until January 2015
  • No annual fee
VIEW ALL FEATURES

Additional Features
  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • Your cash back doesn't expire
  • 0% intro APR on purchases and balance transfers until January 2015
  • No annual fee
Apply Now

DISCOVER IT®




Intro APR on Purchases

Intro APR on Transfers

Regular APR

Annual Fee

Credit Type

0% for 14 months*
0% for 14 months*
10.99% - 22.99% Variable*
$0
Excellent Credit


Key Features
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click 'Apply' to see rates, rewards, and free FICO® Credit Score terms and other information.
VIEW ALL FEATURES

Additional Features
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & BeyondŽ on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICOŽ Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click 'Apply' to see rates, rewards, and free FICOŽ Credit Score terms and other information.
Apply Now

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Balance Transfer Credit Card Tips

Transfer Your Highest Rate Balances First: Unless the credit limit on your new balance transfer card is large enough to handle all of your outstanding debt, transfer debt from your highest rate cards first. While it may be tempting to wipe out the debt on lower rate cards to reduce the number of bills you have to worry about, transferring debt from cards with the highest rates will save you the most money.

Monitor Credit Card Bills After Your Balance Transfer: Because it can take up to 30 days for a balance transfer to clear, carefully monitor your credit card bills and continue to make payments to avoid penalty fees. This is important even after your transfer has taken place, as you will likely accrue interest charges on your old card from before your balance transfer cleared.

Don't Apply for Balance Transfer Cards with Multiple 0% Periods: If a credit card is advertising a 0% APR for "up to X months" or a 0% APR for X or Y months, avoid these offers. Why? In the fine print, you'll find that you may be approved, but offered a much shorter 0% APR on balance transfers than promised in bold print. Always check the terms and conditions of an application before applying to make sure only one 0% introductory period is offered.

Balance Transfer Fees are Usually a Necessary Evil: Up until the credit crisis, a number of companies offered 0% APR no fee balance transfers. Since then, only a handful of 0% APR no fee balance transfer credit card have been offered by major companies. While limited time no fee balance transfer promotions are occasionally available, most credit cards that offer very long 0% rates on transfers charge standard fees of 3%.

Ideas to Help You Find the Right Balance Transfer Credit Card

Key Factors that Influence Balance Transfer Savings: The amount of money that can be saved with balance transfers varies dramatically from person to person. The most obvious variable is current interest rates; those with higher rates will save more. Balance transfer fees also play a role. However, monthly payments are an often overlooked factor that can have a huge impact on how much a person can save by doing a balance transfer. Full Article.

Balance Transfer Credit Card Market Overview: In this article, you can learn more about trends in the balance transfer market. It examines 0% promotions currently being offered by the nation's largest issuers to help you find a balance transfer card with an appropriate length and fee structure for your particular needs. Full Article.

What to Look for on a Balance Transfer Credit Card Application: Before you virtually sign on the dotted line, it is important to carefully review terms and conditions. In particular, you will want to make sure the longest advertised 0% rate is granted to all approved applicants. Then you will want to check the balance transfer fee, which should be no higher than 3% on any card with a 0% rate lasting less than 15 months. Lastly, you'll want to consider the long term rates, especially if you don't think you can fully repay your balance before the 0% APR ends. Full Article.

How a Balance Transfer Can Benefit You

For obvious reasons, transferring high interest credit card debt to a balance transfer card that charges no interest for a year or more will save you money. What surprises people is just how much they can save. Taking standard balance transfer fees into consideration, a person with a 16% interest rate can expect to save around $100 for every $1,000 they transfer to a card that offers a 0% APR on balance transfers for one year. For a person with $5,000 in credit card debt, the savings will likely exceed $500.

Saving $500 in one year is great. However, the most overlooked benefit of balance transfers is the role a 0% rate can play in getting you out of debt quicker. Here’s a prime example:

A person with $5,000 in debt at an average interest rate of 16% will need to pay $150 every month for three years and nine months to become debt free. In just one year, that person will spend just over $700 in interest. And by the time the debt is repaid in 2015, the total interest bill comes to just over $1,600.

However, if that same person moves the debt to a 0% APR balance transfer credit card, their debt can be reduced by 33% in just one year. Then, even if the interest rate goes back to 16% after the 0% period expires, it will only cost $650 in interest to become debt free, a savings of nearly $1,000. Plus, it is always possible to do another 0% balance transfer after the rate increases. This can further reduce interest expenses and decrease the time it takes to get out debt even more.

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*Important Disclaimer: See online credit card applications for complete details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

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