List of Credit Cards with 0% APR Balance Transfer Offers

(Updated 6/11) 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

Discover® More Best 18 month 0% offer:	Citi Platinum Select 0% Intro APR on Balance Transfers for 21 months.

1. Citi Platinum Select Card – 0% APR on balance transfers for 21 months if you qualify, no annual fee
2. Citi Forward – 0% APR on balance transfers for twelve months if you qualify, no annual fee
3. Citi Simplicity – 0% APR on balance transfers and purchases for 21 months, no annual fee
4. Citi Diamond Preferred Card – 0% APR on balance transfers for 21 months if you qualify, no annual fee
5. Miles by Discover® 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.
6. Capital One® Platinum Prestige Credit Card – Limited time offer for 0% intro APR on balance transfers and 0% on purchases, check terms & conditions for official duration.
7. Discover® More Card – 0% intro APR on balance transfer for a full 18 months, 0% intro APR on purchases for 6 months.
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.

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 Evaluate 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!

Related Posts

• How to Compare 0% Balance Transfer Offers
• 0% Credit Cards: No Interest Purchases & Balance Transfers Offers
• Don’t Cancel Old 0% Balance Transfer Cards
• Best Zero Percent Balance Transfers (February 2011)
• 0% Balance Transfer Credit Card Offer Daredevils