(Updated Jan 5th) 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 it® 
Citi Simplicity® Card 
0% Intro APR on Balance Transfers & Purchases for 18 months.
- Citi Simplicity® Card  – 0% APR on balance transfers and purchases for 18 months, no annual fee
- Citi® Diamond Preferred® Card  – 0% APR on balance transfers for 18 months if you qualify, no annual fee
- Citi ThankYou® Card  – 0% for 15 months from the date of account opening on purchases and balance transfers
- Barclaycard® Rewards MasterCard®  – 0% intro APR for 6 months on Balance Transfers and Purchases
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.
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!
* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the issuer’s website
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