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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.
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CITI® DIAMOND PREFERRED® CARD |
 
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- 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
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Intro APR on Purchases |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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0% for 12 Months*
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0% for 12 Months*
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14.99% Variable*
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None
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Good
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DISCOVER® OPEN ROAD CARD |
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- 2% Cashback Bonus automatically at any gas station and any restaurant
- 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
- 0% intro APR on balance transfers for 12 full months, then the Regular APR
- 0% intro APR on purchases for 6 months, then the Regular APR
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Intro APR on Purchases |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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0% for 6 Months*
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0% for 12 Months*
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11.99%-20.99% Variable*
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None
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Good
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CITI® MTVU™ PLATINUM SELECT® VISA® CARD FOR COLLEGE STUDENTS |
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- No Cosigner required
- Earn 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rental stores.
- Earn 1 ThankYou Point for every dollar you spend on all other purchases.
- Earn up to 2000 ThankYou Points twice a year for having a good GPA.
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Intro APR on Purchases |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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0% for 7 Months*
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n/a
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12.99-21.99% Variable*
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None
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Good
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MILES BY DISCOVER® CARD - GET 12,00 FREE MILES |
MORE DETAILS HERE
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- 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
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Intro APR on Purchases |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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0% for 6 Months*
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0% for 6 Months*
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10.99% Variable*
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None
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Good
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DISCOVER® MOTIVA CARD |
MORE DETAILS HERE
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- 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
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Intro APR on Purchases |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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3.99% for 12 Months*
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3.99% for 15 Months*
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11.99% - 20.99% (Variable)*
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None
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Good
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UPROMISE® WORLD MASTERCARD® |
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- 10% extra college savings on thousands of eligible grocery and drugstore items
- 2% extra college savings on eligible gas purchases at Exxon and Mobil locations
- 1% college savings on every purchase
- Get $25 college savings after the first qualified use of your account
- No annual fee†
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Intro APR on Purchases |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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0% for 7 or 10 Billing Cycles*
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0% for 7 or 10 Billing Cycles*
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12.99-20.99% (Variable)*
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None
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Excellent
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