0% Balance Transfer Credit Card Offers
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)
- IberiaBank Visa Platinum Rewards Card – 6 months (no balance transfer fee)
- IberiaBank Visa Gold Cash Back Rewards Card – 6 months (no fee).
- IberiaBank Visa Classic Card – 6 months (no fee)
- Pulaski Bank Visa Card - 6 months (no fee)
- Pulaski Bank Gold Visa Card – 6 months (no fee)
Best 0% APR Credit Card Offers For Balance Transfers – Unless Otherwise Noted, All Are For Balance Transfer Periods Up To 12 Months – Note That Some Are For Periods Of 15 Months
(Sign-up bonus offers are noted. Balance transfer fee percentages and maximum transfer fees are listed in parenthesis)
- Miles By Discover Card – (3% fee)
- Discover More Card – (3% fee)
- Discover More Card – Clear – (3% fee)
- Discover More Card – American Flag - (3% fee)
- Discover More Card – Wildlife Collection – (3% fee)
- Discover More Card – Sealife Collection – (3% fee)
- Discover More Monogram Card – (3% fee)
- Discover Escape Card – (3% fee) – 6 months for balance transfers and purchases
- Discover Open Road Card – (3% fee)
- Citi Platinum Select Card – (3% fee) – Balance transfer offer for up to 12 months
- Citi Forward(SM) Card – (3% fee) – 0% APR for 6 months on balance transfers and purchases
- Citi mtvU Card For Students - (3% fee) – 6 months for both 0% balance transfers and purchases
January 29th, 2008 at 8:38 am
You left out a really good credit card. The Disney Rewards Visa from Chase. See (link).
Not only is there a $15 Disney Gift Card sign-up bonus, but it has 0% balance transfers for a year with a cap of only $50. 0% on purchases for a year. Plus, if you are a Disney fan, Disney vacation packages are always 0% for 6 months and you accumulate crdit card rewards (at 1%) toward Disney dollars.
February 26th, 2008 at 7:36 pm
Great entry, thanks:)
March 12th, 2008 at 2:34 pm
Nice long list of 0% balance transfer credit card offers. I had no idea there were so many such deals out there. I’ve been thinking of transfer a few high interest debts to another credit card with a 12 month balance transfer period. I’m glad you included credit card choices that also offer No Fees for 0% balance transfers.
June 19th, 2008 at 6:53 pm
I like this long list of 0% credit card offers for balance transfer interest rates.
However, what ones do you recommend as the best 0% balance transfer credit card deal? You can email me if you want. I’m thinking of making money from balance transfer arbitrage and am trying to figure out which 0% credit card offers are worth applying to. I’m hoping I can get at least a $10,000 credit limit with my credit score.
July 5th, 2008 at 2:17 am
My boyfriend and I have been trying to figure out which 0% balnce transfer card to go for. He’s got some high APR crdit cards he’s been trying to get rid off. Whatever happened to all the good 12 month balance transfer offers without transfer fees? I guess the credit crunch situation eliminated them all perhaps?
July 21st, 2008 at 3:28 pm
I have a question for you guys – has anyone noticed no balence transfer offers on their credit card available ?
we refinanced our house a few months ago to take advantage of a better rate – and paid off some bills – I was going to consolidate some accounts to a low interest card to take advantage of the savings and get down to one bill –
Our credit is in the 730 range – so that is not teh problem – but when I went to transfer the balances – there are no offers available on any of the three majors we keep open
Has this happenned to anyone else – does anybody know why ?
Just a curiosity thing – I hav my theories on this but would love to know who else has had the same problem ?
August 10th, 2008 at 11:59 am
As my husband so sensibly reminded me after I proudly told him I transferred one credit card debt to a credit card with a 0% on the balance transfer for 12 months, and a $90 balance transfer fee…
“You paid the interest up front, dear”.
Remember everyone, look at what your transferring and do the math. If it is a very large balance transfer, say $6000, then the fee to transfer it may be worth it. But, it may be more worth while to find a very low interest rate for balance transfer with no fee or a very low fee if you debt is say, 2000. Again, you need to get out your calculator.
Advanta Business card, as of Aug. ‘08 gives you an initial credit limit cap of $2500 (doesn’t matter what you’re score is) and will only transfer a balance up to this amount, plus the $90 BT fee. This could be worth it though if they raise your Credit Limit after a couple of months of good standing, and then allow you to use the introductory Balance Transfer offer of 15 months.
September 30th, 2008 at 2:17 am
Lisa,
Piggybacking on what Lisa mentioned, I want to point out that there are 12 month 0% APR balance transfer credit cards available with capped balance transfer fees. Oftentimes the maximum cap limit is only $75 or so. That amount is very little, especially if you are transferring a large amount. For example, if you are transferring a $5000 balance, a 3% balance transfer fee would amount to $150. Likewise, transfering a $10,000 balance would lead to a potential 3% balance transfer fee of $300.
Compare that to a capped balance transfer fee of $75 and things don’t look as bad.
October 1st, 2008 at 6:48 pm
Most update news by Oct 2nd, 2008:
Any applicant tries to apply Chase Cards be AWARE!!!!
They recently just remove the max cap fee for balance transfer.
If you think you are paying $75-$99 transaction fee per transfer, then you are wrong now. They unlift the max cap charge. Now, they can charge as that 3% of total amount you request to transfer. Buyer be aware!!!
October 10th, 2008 at 7:24 pm
Try Associated Bank Visa which offers 12 month 0% APR with no balance transfer fee.
It is handled by Citibank
October 11th, 2008 at 4:22 pm
Excellent list of 0% balance transfer credit cards. I am also always looking out for the best deals and have started a similar blog to yours but for the UK market! I am quite annoyed that I have been turned down for a citibank credit card despite having bank accounts with them and good credit rating. Credit crunch for you I guess!
November 11th, 2008 at 6:56 pm
Thanks for the tip on Associated Bank. I googled the name and got the Citi Bank site. No transfer fee for 12 months 0%. Good deal
November 22nd, 2008 at 6:26 am
Anybody aware of a card with 0% APR for 12 months and which does not charge 3% of the balance transfer as a fee. A flat fee of around $75 would be ideal. I cant see any of these offers anymore…
November 22nd, 2008 at 2:50 pm
Associated Bank, mentioned in the post right before yours, is still available at (link)
US Bank has a bunch. Here’s one, for example: (link)
And here’s one from Bank of America: (link)
November 28th, 2008 at 11:57 am
FYI….If you live in Michigan the Associated Bank will not accept your application. I just called to ask a few questions then she asked where I live and it’s a no go for people in Michigan. I’m looking into the others…..
December 2nd, 2008 at 2:00 pm
i signed up for associated today and all went well but i live in new york. balance transfer offer was same as stated by naga. i havent done the transfer yet ill let you know how it goes.
December 5th, 2008 at 10:42 pm
Help my daughter lost her job so she has been late on her payments…I wanted to transfer her credit cards to my name.. But don’t know which card to get.. My credit is in good standing…but there is so many options…can any body help me!
December 5th, 2008 at 10:53 pm
Doris,
Yeah that are many 0% balance transfer deals out there. This blogger has a list of cards that he recommends at (list of balance transfers). Personally I went with the Discover More and the Discover More Clear cards. I don’t plan to use the two Discover credit cards for purchases…just for the 0% APR offers. They seem pretty popular among these balance transfer writers
Not sure transferring your daughter’s debt to your name’s a good idea though. Good luck!
~Ellis
December 6th, 2008 at 2:33 am
Couple of more balance transfer offers
Chase Flexible Rewards Platinum Visa – 3% fee, $75 max
Chase PerfectCard MasterCard – 6 months, 3% fee, $75 max
Chase Platinum Master Card – 3% fee, $75 max
Chase Visa Platinum Card – 3% fee, $75 max
December 14th, 2008 at 10:09 pm
Can I transfer $6,000 on these?
December 14th, 2008 at 10:40 pm
Andy,
Using these 0% balance transfer cards, you can transfer as much as your card’s credit limit will allow and permit. For balance transfer business credit card offers, your credit limit potential will be substantially higher than that offered by regular consumer cards…. somewhere like $15,000-30,000 compared to $5000-10,000 for consumer credit cards.
December 19th, 2008 at 7:13 pm
Bad news, sorry. Discover Card no longer had cap of $75.00 on balance transfers; it is straight 3% charge (all for doing nothing).
December 24th, 2008 at 2:23 am
US Bank still has 0% balance transfers with NO FEE offers available at (Link)
December 31st, 2008 at 12:48 am
The link attatched to the post by Joanna might be fraudulent. Try to access it independently; we couldn’t find it any way we tried.
December 31st, 2008 at 1:10 am
Sara,
I checked out Joanna’s US Bank credit card link, and it appears to be otherwise valid. The webpage invokes a proper SSL secured and encryped application page that checks out. However, you are correct, I can’t seem to find it through an independent Google search as well. I’m not vouching for the balance transfer offers indicated on the page, but I wouldn’t regard it as fraudulent.
December 31st, 2008 at 11:57 am
Joanna’s card appears to be valid. It’s a subsidiary of US Bancorp. (see below) Also offered through the american association of university women to their members.
U.S. Bancorp and Subsidiaries Upgraded by Standard & Poor’s.
MINNEAPOLIS — Standard & Poor’s (S&P) Ratings Services announced today that it has raised the ratings on U.S. Bancorp (NYSE:USB), including its counterparty credit ratings, to AA-/A-1+ from A+/A-1.
S&P also raised its long-term counterparty credit ratings on U.S. Bancorp’s subsidiaries, U.S. Bank National Association and U.S. Bank National Association N.D., to AA from AA-. This AA rating…
January 26th, 2009 at 3:54 pm
Checked out US bank our local branch, they do not offer at this time 0 balance tranfers according to the person I talked to. They offered a personal loan at 8%?
January 26th, 2009 at 7:46 pm
Yes, they do. Don’t talk to anyone. Just fill out the application online
January 27th, 2009 at 3:36 pm
How many of you out there filled this US BANK application out and got the terms that are stated? This has to be the last of these “freebies”
January 27th, 2009 at 8:04 pm
I have 2 cards from US Bank. The offers are still out there. Why not just get the card instead of being so skeptical. It’s right there. Just print out the terms and fill out the application.
January 28th, 2009 at 1:33 pm
I just did the credit card offer and balance transfer through US Bank. The 0% with no fee is still going on. Anyone know how long it took for their balance transfer to go through? Thanks.
January 28th, 2009 at 1:43 pm
Thanks Jackie…Peter said to not be skeptical but with so many scams working out there I just wanted a little more feedback
January 28th, 2009 at 2:09 pm
I simply meant that it seemed that people were arguing that these deals are no longer available, when the link is right there. And it’s true that sometimes, if you call the reps, they might not be aware of every little deal out there. Especially since, for US Bank, these are affiliate deals, so it’s not the regular US Bank credit card you would get by going into a branch.
The transfer should take about a week to go through. Should not be a problem at all. Remember also, that the transfer must be done soon after the application is approved. I think the time limit is 3 months. So although it is 0% for 12 months, you only have about 3 months to do the transfer (or transfers)
January 29th, 2009 at 1:20 pm
DO NOT use to the Advanta Business card. I made the mistake of getting one about 7 months ago and now am desparately searching for a new card to transfer to. I went from a 7% interest rate to 27% (32% for cash advances) with no warning!!! Even though I have excellent credit, my “risk” went up (I bought a house), making me more likely to default on payment. So basically, they are now making it even more likely to default by making it harder to pay off and refuse to lower the rate.
January 31st, 2009 at 10:51 am
Can somebody who received the no fee balance transfer from US bank tell me the link. I just went to us bank site and terms state a 3% fee.
Appreciate any help…
Thanks
January 31st, 2009 at 11:06 am
I found the link and the offer, but the application does not ask you any details about doing a balance transfer….how do you request the balance transfer? also the site has no contact telephone numbers….Help
January 31st, 2009 at 1:14 pm
https://applications.usbank.com/oad/begin?locationCode=9584&sourceCode=76024&preparerType=customer
February 4th, 2009 at 4:30 pm
Your right Peter K…I just filled out the application but don’t see anywhere for a balance transfer request…
February 4th, 2009 at 4:50 pm
Peter K…After you submit your application you will be asked if you want to do a balance transfer..I just did it…it works…
February 4th, 2009 at 9:43 pm
Thanks steve, I found a number to call and they took my application over the phone and yes they are still offering the o% and no fee !!!
February 5th, 2009 at 10:42 am
Your welcome…I still had two months left on my other 0% card but I figure this 0% interest and balance transfer promotion will not be around long so best to grab it now before they jack it up to 3% like most others…
February 8th, 2009 at 3:58 pm
The Discover Card offer on this site states a 3% fee with a $75 max. On the application site there is nothing about a maximum. Has the offer changed?
Thanks
February 8th, 2009 at 5:58 pm
Yes it has changed. No cap 3% on the transfer. This card still has 0% interest for a yr. and balance transfer fee… (link)
February 8th, 2009 at 6:01 pm
Sorry Rob that above link did not paste…see my Jan. 31st post.
February 8th, 2009 at 6:16 pm
Thanks for all the helpful advice! I was wondering if I apply on line am I required to accept their terms automatically or do I have a choice to decline the offer? I’m trying to transfer about $12,000 to 1 card. Thanks.
February 8th, 2009 at 6:26 pm
Hi Kristen…I did the US Bank just a few days ago. The first part is that you fill out the application and hit submit…within a minute you will get an answer with your credit limit. If thats all you want ( just the card ) then hit finished or you can continue and fill out the next step which is the balance transfer. I don’t know if all your $12,000 is on just one card but it allows you to transfer up to 4 cards if you wish…..hope this helps…Steve
February 8th, 2009 at 6:51 pm
That does help Steve, thanks! Bank of America just jacked up my APR from 6.99 to 12.49 after 7 years with them. Trying to way my options. Seems to be the same for a lot of Americans. I’ll keep my eye on this site for more useful info. Thanks again.
February 8th, 2009 at 10:41 pm
You are welcome Kristen….I have looked everywhere….that US Bank deal is the best one out there…Banks are trying to make money anywhere they can including jacking the rates up on long time customers. Not right but that’s just the times we are in right now I guess….
February 8th, 2009 at 10:44 pm
Regarding the US bank card. If I were you I would ask about this statement (see below). At the top of the page they indicate 12 months yet when you follow the little cross symbol (see below) you get 6 months according to this:
The introductory rate does not apply to cash advances and is valid for six billing cycles. The rate will end early and increase to the current applicable APR if your Account is delinquent, over the limit or closed. We apply your payments to balances with lower APRs first. After six billing cycles, balance transfer fees apply.
Also, we may change APRs, fees and other Account terms in the future as provided under Cardmember Agreement and applicable law. Be sure to read that card member statement.
February 8th, 2009 at 10:59 pm
You must have a different link Bob…None of that is stated on the link that I posted from Jan. 31…
February 9th, 2009 at 11:27 am
Yes it does. Click on the Learn more hyper link from your link or just go here (link)
February 9th, 2009 at 1:34 pm
Hi Bob….I talked to a service rep for US Bank to try to clarify your question. She told me if you apply for the card then wait 6 months after to do a balance transfer then there will be a charge. So I suggest if you need to do a balance transfer to do it fairly soon…hope that helps…
February 19th, 2009 at 12:06 pm
Just curious all of this balance transfering that seems to be going on here, does anyone know how this effects your credit report and score?? Especially if you are turned down by any of these companies that shows up your credit report does it not just a thought and question I guess!!??
February 28th, 2009 at 8:23 pm
Steve,
Did your transfer go through? I will be applying tomorrow and wanted to see how long it took for your transfer to move from your old card to the new US Bank Card. Also, which US Bank Card did you get? Platinum? Signature?
Thanks much.
March 3rd, 2009 at 1:16 pm
Can someone send me the phone # for US Bank to do a 0% balance transfer 12 mos ?
It’s easier to talk to a real person in the phone then fill out all this online.
March 3rd, 2009 at 5:17 pm
Hi Martha…Sorry for the late response….I was on a little vacation. Yes, my transfer went through. It took a little under two weeks. I got the platinum card….good luck. JC..try this number…1-866-779-6259.
March 5th, 2009 at 7:32 pm
send my Credit Card Details to my friend
card type
First/Last Name
City
StateZI P/Postal Code
Country
Card Number
3 Digit Security Code
Expiration Date
thank you very much!!
my email is
March 29th, 2009 at 1:02 pm
the US BANK credit card offer no longer waives the balance transfer fee or caps it. The current offer is 0% for 12 months with a 3% balance transfer fee.
April 27th, 2009 at 6:46 pm
US Bank STILL OFFERS 0% interest on balance transfers for 12 months with 0 fee, believe it or not if you do the transfer with the application. I just filled it out online and printed out their term sheet and double checked it.
April 30th, 2009 at 4:47 am
Okay Citibank Master card raised my interest rate – from 12 something to 22 something for no reason at all. Ironically a few months ago they decreased my credit limit – saying I wasn’t using the card. Then I used it and they raised the rates! And I paid on time too!
So I am looking for a great card to transfer about 4500 to right away.
Thanks for any new info!
May 1st, 2009 at 3:00 am
Update – discover offered me a 0% transfer for 12 months – sent me the info and then changed it to 6 months. Lied to me. I really want the 12 months. Can you transfer from one mastercard to another mastercard with a transfer? I asked discover if I could get another card from them and they said no – I really want the 12 month first offered and they refused. So now I have another card and not sure if it is what I wanted after all. I am beginning to think all these companies do is lie!
May 1st, 2009 at 4:40 am
Louis,
I don’t think Discover Card allows you to open multiple Discover credit cards, although I have managed to open multiple Citibank credit cards of the same type before.
It’s getting very very difficult to find 0% balance transfer offers nowadays as the credit card companies are really starting to scale back. Credit card arbitrage is all but dead and those who utilize balance transfer credit cards for low interest debt repayment purposes may find pickings that are slimmer than before. The new federal credit card rules passed by the government and the new Credit Card Bill Of Rights being legislated will undoubtedly snuff out these offers for good in the coming future.
May 19th, 2009 at 4:35 pm
just wants to say thanks, look like it still available. All my credit company sending me letters about interest rate raise these few days, is there a way to opt out without sending them $0.44 stamp?
May 20th, 2009 at 4:18 pm
so i have a bank of america with a high interest rate, i need a card to transfer $4500 balance. Im currently paying 23%, my credit is at around 670-690
May 21st, 2009 at 5:09 am
Here’s a trick to improve your credit score and only do ONE new card with ONE balance transfer.
1. Apply for the US Card with 0% APR balance transfer and no fee for 12 months.
2. Pick a card you have with a higher APR for the transfer, but where you have not maxed out the card.
For example, let’s say you owe $2500 on a $8000 card. Do a balance transfer of $7500 to that card. It will pay off the balance (moving the $2500 to a 0% card). It will also result in a $5000 “credit” with that other card. Then ask that card to send you a check for the $5000. Use that $5000 to pay down other cards.
This will help your FICO score because it won’t look like you are using credit to pay down debt.
You’ll owe $7500 on the 0% card and that will help you chip away for a year.
OR — let’s say you only have $2500 in debt anyway.
Still do what I suggested. Take the extra $5000 and put it in a one-year CD you can’t touch, and collect interest on the bank’s 0% money. At the end of the year, pay off the balance and pocket the interest. So you’re making money on THEIR money.
June 11th, 2009 at 10:16 am
So, I have a question.
Is it better to have a bal xfer on a credit card with 2.9% life of bal or to do the 6-12mos xfer every time?
I’m wondering b/c I have a xfer on AE for 2.9% life of the bal. I think that’s good b/c you can’t find a deal like that, but then trying to pay if off with 0% is always better. I just hate reapplying for bal xfer every 6-12mos.
What do you suggest?
June 11th, 2009 at 4:23 pm
Hey Pang…..These days a 2.9% for life is a pretty good deal. I don’t know how big your balance is but opening a new acct every 6 months and do a transfer ( its hard to find 1 year interest free deals now) is a pain. I would bite the bullet and stick with what you got….
June 11th, 2009 at 5:00 pm
Hey Steve! Thanks for answering me. I appreciate it! I’m already on the 2.9% so I’ll stick to what I have already.
Now only if I can win that lottery to pay all my debts off. LOL!