Zero Percent Credit Card Offers

Published 1/29/08 (Modified 12/19/13)
By MoneyBlueBook

Updated Compilation Of All The Best 0% Intro APR 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% intro APR 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.

Best 0% Intro APR Credit Card Offers for Balance Transfers

  1. Citi Simplicity® Card - fee: either $5 or 3% of the amount of each transfer, whichever is greater - 0% intro APR on balance transfers and purchases for 18 months.
  2. Slate from Chase - no fee on transfers made within 60 days of account opening, after that balance transfer fee will be either $5 or 3% of the amount of each transfer, whichever is greater - 0% intro APR on balance transfers and purchases for 15 months.
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95 Responses to “Zero Percent Credit Cards|0 Interest Credit Cards|Balance Transfer Offers” 

  1. steve says:

    You are very welcome Cathy :)

  2. Trish says:

    Cathy, did you get the 12 mos. or just 6 mos.? When you follow the link, it does say 12 mos., but then has a superscript 2 which then says it's good for 6 mos. Just curious. Thanks!

  3. Stacy says:

    Someone Help! I'm in financial trouble! My Story startes with me being diagnoised with Breast Cancer this past June. I have been making my payments, a few I was just a couple of days late, Because, of surgeries. I have been trying to get my car loan and credit card interest down for months, to no avail. I with Chase Bank for my car loan. They denied me refinancing. I don't know for sure why, they're sending me a letter. I thinks it's because a 2003 van, not a 2004. I've never been late with a payment, since this one time. 4 days. I have good/Excellent credit. What should I do?Where should I go to get help? As for my credit card with Guaranty Bank. They debited a double payment out of my checking account, and that's why I was late on my car payment. I tried for 2 1/2 weeks to get them to credit my account. They said they would 2 different times. Now they said no. Because, they reviewed the tape of me approving the transaction. I told them I never paid that way in the past, to look at my history, and that I must have misunderstood. I have a medical condition, and am on a lot of meds. They don't give! I want to quit that company. I'm $8,000.00 in debt the my CC and $11,000.00 with my van. Any Ideas would be greatly appreciated. Thank you.

  4. Misty says:

    Do Not go to Chase Disney! They nearly double their intest rate!
    Was 9.24 now 16.24!

  5. Daniel says:

    How about a review of the 0% balance transfer credit cards above rather than just a list of 0% balance transfer offers. What's the specific difference between the cards beyond the APR deals they offer? Is it just the card reward programs that separate them?

  6. Chase Chaser says:

    Just to let you know, the Chase Slate Card With Blueprint card is offering 0% balance transfers and 0% purchases for up to 12 months (3% balance transfer fee). Blueprint from Chase-worth a look for zero interest chasers

  7. John says:

    just applied to the American Humane Visa Signature yesterday...and tried to pay off 2 other cards...they said it will take 7-10 days for a response...will let you all know

  8. John says:

    American Humane Visa gave me the card and a $10k limit which didn't pay either transfer...then they tell you one thing to get the limit increased, but when you do that, then they say they need another thing - this happened on a couple goarounds in a row - bottom line, you can get the card with a small limit, but they aren't straight with you about higher limits

  9. Louise says:

    Has anyone found a 0% card with a cap on the balance transfer fee?

  10. Tanya says:

    Hi - I received an offer from Discover card for a personal loan - with the possibility of an interest rate as low as 8.99% (it could be higher than that after they crunch the numbers). For instance on a 10,000 dollar loan - it would be 180.00 for 72 months - for a 15,000 dollar amount it would be 270.00 for 72 months. If I am approved - at the 8.99% amount - I could pay off my high interest card that is at almost 26% and the rest I could use to buy a used car (my current car is possibly needing a repair that will be costly). I live in a rural area - so a car is a necessity. If I apply for this loan will this ding my credit rating? Is there anything else I should be concerned about? I am also applying to my bank for a car/personal loan. I have always just saved money toward major purchases before - so really don't know much about applying for loans. Also a newer car will possibly have a higher insurance rate - any good sites to find out which cars have the lowest rates? Or just call my insurance agent and ask?

  11. Katherine says:

    BE AWARE, from my own experience that I just finish with CAPITAL ONE CREDIT CARD. Don't fall in to the trap like me that they say "TRANSFER A BALANCE WITH NO FEE FOR CUSTOMER ONLY", press transfer to see the promotion. On October 1st, 2009 at 12:30 pm; when I get online Capital One Credit Card to check for my balance; I saw the message "TRANSFER A BALANCE WITH NO FEE FOR CUSTOMER ONLY", press transfer to see the promotion. I press and it said with 0% until May, 2010. To good to be true, especially when you got a laid off. I call CAPITAL ONE customer service to confirm is it true? and a lady told me that 0% promotion with no transfer fee that I had it will be end on June 1st, 2010, so make sure pay off before that day, otherwise they will charge me 13.9%. I told her that I will make a $15,000.00 transfer if it is really 0% and she said, yes, it is true. But then later on they send me a statement charge me arms and legs. My point is even anytime you call and they said: Apparently, it's OK for them to record calls for "training or verification purposes" be assume that they never use it or they not so stupid to use it when you call back and tell them; you charge me arms and legs when one of your employee confirm with me that arms and legs is not charge, you can listen to your recorded on that date to hear that confirm. IT'S NO USE. Be aware from "TRANSFER A BALANCE WITH NO FEE FOR CUSTOMER ONLY", press transfer to see the promotion, and if the promotion come out 0%, make sure you will be the one to tape that conversation, write down first and last name the person you talked with, write down the date and time that you call them. Guess what? They charged me Finance Charge is $200.50. This is my first experience use CAPITAL ONE, and it will be it. I had a very good credit score. I'd used CHASE, BANK OF AMERICA and CITI. I love it. Their Customer Service is more professional and helpful and they don't cheat you and this is from my own opinion.

  12. Anon says:

    Just to let you know - I wanted to do a balance transfer, so I signed up for the CITI Freedom card. Imagine my surprise when they offered me a credit line of only $1800! For comparison purposes - I have never had a card with less than $5k line of credit, and most of my cards are $10k to 20k. I asked for it to be increased - they said no increases until 6 months. Of course, the 0% on the BT only lasts 6 months, so that's useless to me. Just wanted to warn you all.

  13. Carol says:

    I just had the exact same experience as Anon right above me here. I applied for the Linux card through US bank specifically to do a 0% balance transfer. Just got the card and the credit limit is only $2,000, and of course the transfer was denied. I have another US Bank card with a $16,000 limit so this made no sense at all. called cust. svc. and all they could tell me is that $2k is all I "qualified" for - I even told them to look and see that I have another card with them for $16K. But that didn't make any difference. I'd have to wait 6 months to increase my limit, which does me no good...This must be yet another reaction to the economy and the recent restrictions imposed on CC companies, I'm guessing?? IN any case I'm off to looking for another...

  14. Johnny says:

    Well if you get a card with a 2k limit, simply transfer 2k worth to the new card. Hey 2k at 0% is better than nothing.

  15. JC says:

    Can someone provide me with a link for the associated/citi bank 0% apr no balance transfer fee? The link posted above doesnt work.

  16. Jenni says:

    Can someone please assist me here? I just opened a new card and tried to transfer 2 balances to it, one at $3500 and one at $7500, for a total of $11,000 on the new card at 0% for a year. When they gave me the card, it had a $3000 limit. When I went online and tried to transfer some of the $3500 card balance to the new card, it said a transfer was already pending for that card (I had indicated a balance transfer for this card $3500 first on the app, then $7500). Now today I got a notice stating that they transferred $2700 of the $7500 balance to my new card. So, instead of having one card with all my debt, I now have 3 cards! Not to mention they transferred the money off the card with the lower APR! I'm so pissed! How do they decide which one to transfer when you list two? I listed them in order that I wanted them to transfer them in case I didn't get the credit limit I wanted. I can't find any information on how they make the decision on which to transfer. I read all the small print also. The whole reason I opened the card was to have only 2 (or one) open account, now I'm stuck with 3!

  17. Shanna says:

    Just FYI on the Disney Chase card....they just jacked our interest up to 20% and when you call then to discuss it, they will NOT negotiate with you. You have to mail a letter to try to dispute it. From what I've googled, the person's name and the letter get nowhere. Unfortunate, because I love Disney, but they've associated themselves with a ripoff company.

  18. Steven says:

    Jenny,
    My advise is to never include the information for a balance transfer when you apply for a new credit card. Most issuers will give you 30-60 days from receipt of the card to completa a balance transfer at the low introductory APR. By applying without a balance transfer, you will know your credit limit before you tyransfer any balances. This way you can decide wheter or not to completa transfer after you know how much is available and avoid the kind of situation that you are in. Keep that in mind in the future.

  19. Teresa says:

    I have a card with zero balance and they are offering .99% interest for balance transfer. i have a balance on another card and want to transfer to that card. my concern is the card I am transferring the balance from. Can they charge a fee for the transfer too?

  20. Sunny says:

    I am getting a refinance loan for my home and am including some of my credit cards to be paid off. I have one that's in my name that will be paid off. This card is in my name buy I let someone else use it and they have gone to the limit, I am wondering if there's a way for me to get my name off the account after it's paid off or do I have to close the card. I have tried to let this person know not to let it get above $2000 but I get lied to about the balance. Some is used for medical because he falls in the donut hole. I have had the card for approx.6yrs and he has promised to pay me directly for the card being paid off and I plan to use that money to help pay down the loan. Also because of this my credit score that used to be great is only 677.

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