List of Cards with 0% APR Balance Transfer Offers

(Updated 11/3) If you are searching for a credit card with a 0% APR balance transfer, you’re at the right place. The following is a list of popular credit cards that are offering 0% balance transfers and is a resource for people looking to transfer higher interest rate debt to a 0% APY card; or borrow money on the cheap for whatever goals they’re looking to achieve. I’ve compiled a list of credit cards that have 0% interest rate offers on balance transfers (some offer that promotional rate for purchases too) and published that list below.

You can use them to pay off other credit cards, you can use them to pay off 0% financing offers, you can use them to pay off anything you need and get a window to catch up on your debt.

0% Balance Transfer Offers

Citi Platinum Select Best 0% offer: 0% APR for up to 9 months!	Discover More new offer! 5% cashback on Get More categories, no limit!

1. Citi Platinum Select Card – 0% APR on balance transfers and purchases for up to 9 months, no annual fee
2. Discover Platinum American Flag Card – 0% balance transfer offer, this card also offers a 5% cash back bonus reward on categories that change every quarter. They have gone towards things like gas, clothing, restaurants, hotels, etc. No annual fee.
3. Discover Platinum Clear Card – 0% balance transfer offer, this card also offers a 5% cash back bonus reward on categories, just like the regular Discover More card plus bonus 5-20% cash back on stores through the Discover website. No annual fee.
4. Discover Platinum Card Sea Life Collection – 0% balance transfer offer, this card also offers a cash back bonus reward on categories, just like the regular Discover More. No annual fee.
5. Discover Platinum Wildlife Card – 0% balance transfer offer this card also offers a cash back bonus reward on categories, just like the regular Discover More. No annual fee.
6. Discover Miles Card – 0% balance transfer offer, this card also offers miles at 1 mile per dollar spent including a 12,000 mile promotion. For each month you make one purchase, you will be award 1,000 miles (for 12 months). No annual fee.
7. Discover Monogram Card – 0% balance transfer and 0% purchases offer, no annual fee.
8. Escape by Discover Card – 0% balance transfer and 0% purchases offer, 25,000 in bonus miles accrued at 1,000 miles a month when you make a purchase in that month.
9. Chase Slate Card -0% APR on purchases 12 billing cycles
10. Chase Freedom Card -0% APR on purchases 12 billing cycles, $50 cash back after your first purchase, then 3% cash back on rotating categories and 1% cash back on everything else.

Please review balance transfer fee information associated with the cards listed, be sure to review the terms & conditions and fee schedule of each card before applying. They change constantly and I have reported what I believe to be the most accurate information.

If you are also interested in 0% credit cards, cards that offer both 0% on purchases and 0% on balance transfers, click here.

How to Evaluable 0% Balance Transfer Offers

0% balance transfer offers, and their cousins the 0% on purchases offers, are great ways to help you catch up on your debt. However, it’s important to pick the right one. When it comes to offers, not every one is created equally. First, I recommend reviewing what the APR on the balance will be after the balance transfer offer. It will usually be a variable rate tied to the Wall Street Journal published Prime rate, check that first because you may not be able to transfer your balance after the promotional period.

Second, check the fee on the balance transfer. It’ll usually be small but it’s important to know that while the offer says 0% balance transfer, it does have come a cost. A small balance transfer fee beats paying double digits in interest on your other card but you don’t want it to be a surprise. Next, check for an annual fee. None of the cards listed on this page have an annual fee so you won’t have to worry about that, but any cards you see somewhere else may have a fee.

Finally, use a reputable credit card company that you know won’t play games with you. All the ones listed on this page are from major companies (Citi, Chase, Discover) but sometimes a smaller organization with a weaker reputation will tack on hidden fees or switch terms on you.

Good luck and if you don’t find what you need, please don’t hesitate to contact me and I’ll try to help you out if I can!