|
|
|
0% APR BALANCE TRANSFER CREDIT CARDS
Balance transfer credit cards provide the opportunity to save substantial amounts of money on interest. For many people, a 0% balance transfer can reduce interest expenses by more than 75%. This can translate into hundreds, even thousands of dollars in yearly savings.
Before the credit crunch, it was possible to get a 0% APR no fee balance transfer. Today, most companies offering 0% APR deals charge balance transfer fees of 3%. While these fees may seem high, paying 3% to get a 0% APR for 1 year more than pays for itself. For example, transferring $5,000 from a card with a 15% interest rate to a balance transfer card with a 0% APR for 12 months and a 3% fee will likely save you more than $600 in interest. The money you save can be used to reduce your credit card debt by over 10%!
Below you will find information on 0% balance transfer credit cards 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.
|
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 on Purchases |
Intro APR on Transfers
|
Regular APR
|
Annual Fee
|
Credit Type
|
|
0% for 6 Months*
|
0% for 12 Months*
|
11.99% - 20.99% (Variable)*
|
None
|
Good
|
|
CHASE FREEDOM® VISA - $50 BONUS CASH BACK |
|
- Earn $50 Bonus Cash Back after first purchase
- 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 on Purchases |
Intro APR on Transfers
|
Regular APR
|
Annual Fee
|
Credit Type
|
|
0% for 6 Months*
|
0% for 12 Months*
|
12.99%-22.99% Variable*
|
None
|
Good
|
|
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 on Purchases |
Intro APR on Transfers
|
Regular APR
|
Annual Fee
|
Credit Type
|
|
0% for 12 Months*
|
0% for 12 Months*
|
12.99%-20.99% Variable*
|
None
|
Good
|
|
DISCOVER® MORE CARD – BLACK |
|
- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 9 months, then the Regular APR
- 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 on Purchases |
Intro APR on Transfers
|
Regular APR
|
Annual Fee
|
Credit Type
|
|
0% for 9 Months*
|
0% for 12 Months*
|
11.99%-20.99% (Variable)*
|
$0
|
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 on Purchases |
Intro APR on Transfers
|
Regular APR
|
Annual Fee
|
Credit Type
|
|
0% for 6 Months*
|
0% for 6 Months*
|
10.99% (Variable)*
|
$60
|
Excellent
|
|
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 on Purchases |
Intro APR on Transfers
|
Regular APR
|
Annual Fee
|
Credit Type
|
|
0% for 7 Months*
|
0% for 12 Months*
|
12.99-19.99% Variable*
|
None
|
Good
|
|
|
