Money Blue Book

Updated Compilation Of All The Best 0% Balance Transfer Offers Below

If you are searching for a promotional balance transfer card, or if you are looking to eliminate some high interest debt by shifting your balance over to versatile credit cards that offer zero to low interest rates, then you’ve definitely come to the right place. The following list is a good starting point for credit card arbitrage and 0% balance transfer seekers looking to borrow interest free money or to make a profit. Below is my compilation list of the best no interest balance transfer offers available from all issuers. I am always on the lookout for new and better balance transfer credit cards so do check back for future updates.

As a general matter, taking on a 0% balance transfer goes beyond just requesting your balance transfer check. Getting the 0% credit card loan is relatively easy - the trickier part is learning to properly micro manage the transferred balance details from credit card application to promo expiration. But once you familiarize yourself with how to make a 0% balance transfer and understand the benefits and risks of balance transfer cards, you will find the procedure rather straight forward. As with all financial vehicles, the key is to understand the ins and outs before taking on the responsibility and assuming the inherent, but controllable risks involved.

Balance transfer offers are uniquely versatile in that they can serve numerous functions including balance transfer arbitrage and high interest debt reduction. For those struggling with high interest credit card debt but still maintain a decent credit score, shifting debt onto 0% APR balance transfer cards to hold back the burden of high interest rates while gradually working towards paying off debt is always a viable safety net option. Personally, I’ve taken advantage of balance transfer offers numerous times before, usually to weather through unexpected financial emergencies. Of course I always strive to pay back the full balance transfer amount at the end of the offer period.

All of the individual balance transfer credit card deals listed below offer introductory 0% APR interest with no annual fee. I have also listed the length of the balance transfer promotional period for each offer and indicated whether any balance transfer fee applies.

0% Balance Transfer Offers With No Fees (6-9 months)

1. Washington Mutual ESPN Card - 6 months (no fee). Get a free monthly FICO credit score.
2. American Express IN:NYC Card - 6 months (no fee)
3. American Express IN:LA Card - 6 months (no fee)
4. American Express IN:Chicago Card - 6 months (no fee)
5. Citi Platinum Select for Students - 6 months (no fee)
6. Citi Driver’s Edge for Students - 6 months (no fee)
7. Citi mtvU Card For Students - 6 months (no fee)
8. Bank of America Money Return Platinum Visa - 6 months (no fee)
9. Bank of America Pet Rewards Card - 6 months (no fee)
10. Bank of America Platinum Plus Card - 6 months (no fee)
11. Bank of America Financial Rewards Visa Platinum Plus - 6 months (no fee)

Best Of The Rest 0% APR Credit Card Offers For Balance Transfers (Periods Up To 12 Months)

(Sign-up bonus offers are noted. Balance transfer fee percentages and maximum transfer fees are listed in parenthesis)

1. Advanta Platinum Business Card Rewards - balance transfer period of 15 months, (3% fee, $90 max)
2. Advanta Platinum Customized Business Rewards - balance transfer period of 15 months, (3% fee, $90 max)
3. Advanta Platinum Business Card (3% fee, $90 max)
4. Fidelity Investments Rewards Visa Signature Card - (3% fee)
5. Discover Card Miles - (3% fee, $75 max)
6. Discover More Card - (3% fee, $75 max)
7. Discover More Card - Clear - (3% fee, $75 max)
8. Discover More Card - American Flag - (3% fee, $75 max)
9. Discover More Card - Wildlife Collection - (3% fee, $75 max)
10. Discover More Card - Sealife Collection - (3% fee, $75 max)
11. Discover More Monogram Card - (3% fee, $75 max)
12. Discover Open Road Card - (3% fee, $75 max)
13. Chase Flexible Rewards Platinum Visa - (3% fee, $75 max)
    
14. Chase Free Cash Rewards Visa - (3% fee, $75 max)
15. Chase PerfectCard MasterCard - (6 months, 3% fee, $75 max)
    
16. Chase Platinum Master Card - (3% fee, $75 max)
    
17. Chase Visa Platinum Card - (3% fee, $75 max)
18. Chase Business Rebate Visa - 0% balance transfer promotion for 15 months (3% fee, $99 max)
    
19. Chase Platinum Visa Business Card - (3% fee, $99 max)
    
20. Chase Business Cash Rewards Card - (3% fee, $99 max)
21. Citi AT&T Universal Savings Platinum Card - (3% fee)
22. Citi AT&T Universal Savings and Rewards Card - (3% fee)
23. Citi CashReturns Card - (3% fee)
    
24. Citi Diamond Preferred Card - (3% fee)
25. Citi Diamond Preferred Rewards Card - $50 gift card bonus (3% fee)
26. Citi Dividend Platinum Select Card - (3% fee)
27. Citi Home Rebate Platinum Select Mastercard - (3% fee)
28. Citi Platinum Select Card - (3% fee)
29. Citi Premier Pass Card - (3% fee) - Up to 12 months
30. Bank of America Bass Pro Shops Outdoor Rewards Platinum Plus Visa - $25 gift card bonus, (3% fee)
    
31. Bank of America BoatU.S. Platinum Plus Visa Card - (3% fee)
    
32. Bank of America Cash Rewards Platinum Plus Card - (3% fee)
33. Bank of America Ducks Unlimited WorldPoints MasterCard - bonus points, (3% fee)
34. Bank of America Elite Rewards World MasterCard - (3% fee)
35. Bank of America Major League Baseball Extra Bases Card - $50 gift card bonus, (3% fee)
36. Bank of America NASCAR RacePoints Platinum Plus Visa - $50 store credit bonus, (3% fee)
37. Bank of America NFL Extra Points Platinum Plus Visa - $50 gift card bonus, (3% fee)
38. Bank of America Rewards American Express Card - (3% fee)
39. Bank of America Wyndham Rewards Master Card - (3% fee)
40. Bank of America Visa Signature with WorldPoints Rewards - (3% fee)
41. Bank of America World MasterCard with WorldPoints - (3% fee)
42. Bank of America WorldPoints Platinum Plus Master Card - (3% fee)

This entry was posted on Tuesday, January 29th, 2008 at 3:00 am and is filed under Credit Cards, Deals and Offers, Debt Reduction, Make Money. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.