Zero Percent Credit Card Offers
Published 1/29/08 (Modified 2/4/13)
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
- 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.
- Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back - fee: either $5 or 3% of the amount of each transfer, whichever is greater - 0% intro APR for 12 months on balance transfers and purchases.
- 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.