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 |  | 0% Intro APR on Balance TransfersSave money with an introductory 0% APR balance transfer credit cards from our partners |
Compare 0% Introductory Balance Transfer APR credit cards. Find a promotional balance transfer deal on CreditDonkey.
How to Choose a Credit Card with a 0% Introductory Balance Transfer APRYou have an existing credit card balance and know that an introductory 0% APR balance transfer could save you money. But which one do you pick? Here are three key factors to consider:  | | © CreditDonkey |
- Card Issuer: Most credit card issuers will only accept transfers from cards issued by a different company.
- Length of Intro Period: Check the length of the introductory period and compare the post-introductory APRs. If you can pay off the balance before the introductory period expires, great. Otherwise, the new card might become more costly than the old card.
- Balance Transfer Fee: Even with a 0% APR, you might be charged a one-time balance transfer fee for each transfer, typically ranging from 3% to 4%.
Featured Offers - Introductory 0% Interest on Balance Transfers
 Want a low regular APR?
U.S. Bank Visa® Platinum Card offers 0% intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 10.24% - 21.24%. The card has a balance transfer fee of 3% of each transfer ($5 minimum). There is no annual fee.
Tip: If you plan to carry a balance and the promotional balance transfer offer you are considering does not have a similar promotional APR (including promotional period) on purchases, you may want to avoid using that credit card for new purchases. Promotional interest rate offers may cause you to lose the grace period on purchases if you do not pay the entire statement balance (including the amount subject to the introductory APR) by the payment due date. If you plan to carry a balance, check the credit card issuer's terms to find out about the effects of the promotional APR offers on the grace period for new purchases.
For more insight, read our guide on the Balance Transfer Game and What You Should Know.
Editorial Note: This content is not provided by U.S. Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by U.S. Bank. This site may be compensated through the Advertiser's affiliate programs.
 At American Express' Secure Site | | - Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
- Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra points on those purchases less returns and credits. Terms and limitations apply.
- 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
- You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
- No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 13.24% to 22.24%, based on your creditworthiness and other factors.
- Terms and limitations apply.
- See Rates & Fees
| | | | Our Review: If you tend to charge at least 20 purchases a month on your credit card, you may want to consider switching to the EveryDay Credit Card from American Express. Read on for the reasons why the rewards credit card may be a good addition to your wallet... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% on Purchases for 15 months | 0% on Balance Transfers for 15 months | 13.24% - 22.24% Variable | $0 |
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At American Express' Secure Site | | - Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
- Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
- With the Blue Cash Everyday® Card, you can start earning cash back. No rotating reward categories. No enrollment required.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
- No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 13.24% to 22.24%, based on your creditworthiness and other factors.
- Terms and restrictions apply.
- See Rates & Fees
| | | | Our Review: If you want a cash back credit card with the same rewards categories year-round, then consider the Blue Cash Everyday Card. This credit card with no annual fee also offers $100 back after you spend $1,000 on purchases on your new card in your first 3 months. Read on for the pros and cons... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% on Purchases for 15 months | 0% on Balance Transfers for 15 months | 13.24% - 22.24% Variable | $0 |
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| | | Our Review: With its 21-month introductory APR on purchases and balance transfers, the Citi Diamond Preferred Card is a great pick for people who carry a balance. While this card does offer a few other benefits, such as a concierge service, its main attraction is its introductory APR... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0%* for 21 months* | 0%* for 21 months* | 12.24% - 22.24%* (Variable) | $0* |
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| | | Our Review: By not charging for late payments, the Citi Simplicity Card gives cardholders some breathing room when it comes to managing their credit. Plus, with an 21-month introductory APR on purchases and balance transfers, this card is a smart pick for people who carry a balance. In exchange for this flexibility, the Citi Simplicity Card does not have a rewards program... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0%* for 21 months* | 0%* for 21 months* | 13.24% - 23.24%* (Variable) | $0* |
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At U.S. Bank's Secure Site | | - 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 10.24%-21.24%*
- No annual fee*
- Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
- Zero fraud liability* for unauthorized transactions if your card is ever lost or stolen
- Fraud Protection detects and notifies you of any unusual card activity to help keep your account safe
- Chip technology for enhanced card security
- Online banking and mobile apps* for your smartphone or tablet provide complete, 24/7 access to your account
| | | | Our Review: If you're planning a big purchase or you're carrying a balance on a credit card with a ridiculously high interest rate, shopping around for a 0% APR promotional deal should be at the top of your to-do list... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 15 billing cycles* | 0% for 15 billing cycles* | 10.24% - 21.24%* (Variable) | $0* |
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| | | Our Review: If you have credit card debt, Chase Slate's no balance transfer fee promotion and introductory APR offer is tempting. But is there a catch? Read this review before transferring your balance... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% Intro APR for 15 Months | 0% Intro APR for 15 Months | 13.24% - 23.24% Variable | $0 |
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| | | | | Our Review: With no annual fee and the opportunity to earn cash back twice, the Citi Double Cash card takes rewards a step further than many cards in this category. You'll get 1% cash back on purchases plus ANOTHER 1% cash back as you make payments for those purchases, whether in full or installments... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0%* for 15 months* | 0%* for 15 months* | 13.24% - 23.24%* (Variable) | $0* |
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| | | Our Review: If you want to earn cash back, Chase Freedom should be on your shortlist. But wait. There are some potential drawbacks. Read on for the pros and cons to this rewards credit card... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% Intro APR for 15 Months | 0% Intro APR for 15 Months | 14.24% - 23.24% Variable | $0 |
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| | | | | Our Review: A generous cash back and promotional low interest offer makes the Discover It Card the go-to card to keep more money in your pocket. When you consider the rewards, low fees, and good customer service, it’s pretty easy to see why Discover It is one of the most popular cash back credit cards available... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 12 months | 0% for 12 months | 11.24% - 23.24% Variable* | $0 |
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| | | | | Our Review: Do you eat out and drive a lot? If you want cash back rewards without having to think too much, the Discover It Chrome could be the right fit for you... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 12 months | 0% for 12 months | 11.24% - 23.24% Variable* | $0 |
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| | | | | Our Review: If you’re looking for a simple rewards card with a straightforward points structure the Citi ThankYou Preferred Rewards card might be a good fit for you. There are no complicated rotating “bonus reward” categories, no expiration dates on points earned, and no annual fee -- purchases will earn you 1 point for each dollar you spend with the exception of dining and entertainment purchases which earn double points... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0%* for 12 months* | 0%* for 12 months* | 13.24% - 23.24%* (Variable) | $0* |
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At Barclaycard's Secure Site | | - Get a $100 cash rewards bonus after you spend $500 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 your bank 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
- 0% intro APR for the first 12 months on purchases. Plus, you'll get 0% introductory APR for the first 12 months on balance transfers made within 45 days of account opening.
- After that a variable APR will apply, currently 15.24%, 19.24% or 23.24%, depending on your creditworthiness
- No annual fee
| | | | Our Review: Are you proud of your excellent credit? You should be, as you’re a wanted person. The Barclaycard CashForward, aimed at people who have great credit, rewards you nicely. With its generous $100 promotion and its above-average 1.5% cash rewards on all purchases, Barclaycard CashForward Card is worth considering... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0% for 12 months | 0% for 12 months (must be completed within first forty-five days of account opening) | 15.24%, 19.24% or 23.24%* Variable | $0 |
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At Barclaycard's Secure Site | | - Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
- Earn 2X miles on travel & dining and 1X miles on all other purchases
- Get 5% miles back to use toward your next redemption, every time you redeem
- Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
- No foreign transaction fees on anything you buy while in another country
- 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 16.24%, 20.24% or 24.24%, depending on your creditworthiness.
- Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
| | | | Our Review: Is this the best travel rewards credit card with no annual fee? Read on for the pros and cons to the Barclaycard Arrival... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | 0% for 12 months (must be completed within first forty-five days of account opening) | 16.24%, 20.24% or 24.24%* Variable | $0 |
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Disclaimer: The information for the Citi Diamond Preferred® Card, Citi Simplicity® Card, Chase Slate®, Citi® Double Cash Card, Chase Freedom®, Discover it®, Discover it® Chrome, and Citi ThankYou® Preferred Card have been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. You might also be interested inAmerican Express now offer deals for new credit card applicants. But how do you pick which promotion is right for you? Read this in-depth 2016 guide. Signing up for a card with a sign-up bonus or an introductory offer can be a great way to get a head start on earning rewards or to get a handle on your debt. So you've decided you want to earn rewards for your spending but aren’t sure how to pick the right card?
Articles on 0% Intro APR on Balance TransfersBy Kelly Teh - Tips Finding yourself deep in debt can be a discouraging reality. And in the past several years, more and more consumers have found themselves in this situation. By Kelly Teh - Tips Balance transfers are becoming an increasingly popular way to reign in high interest rates. However, reducing outstanding debt is not always as easy as switching cards. We've put together ground rules every consumer should know before they ... December 1, 2014 - By Sarah Johnson - Reviews When you’re looking for a card that will give you a lengthy period of time to pay off your credit card balances without having to pay interest, both the Discover It and Citi Simplicity are attractive options. These cards give you an introductory ...
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