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Balance Transfer Cards and 0% APR on Purchases, Intro Rates
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Take advantage of 0% introductory APR's on purchases and balance transfers for as long as 15 months. If you are carrying an interest-bearing balance, you can consider transferring the balance to a 0% Introductory offer card. Our 0% credit cards category lists a wide range of balance transfer cards, and many also offer cash back, rebates, reward points, and high credit limits for qualified applicants.
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Citi® Platinum Select® Card
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| 0% APR* on balance transfers and purchases for up to 12 months |
- Citi® Identity Theft Solutions
- $0 liability on unauthorized purchases
- Secure, free online account management
- Balance transfer fee applies with this offer
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0%* for up to 12 mo. |
0%* for up to 12 mo. |
8.49%* |
None |
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Discover® MoreSM Card
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- 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
- Up to 1% Cashback Bonus® on all other purchases automatically
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus® Partners
- 0% Intro APR for 12 months on purchases and balance transfers
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
10.99% |
None |
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Citi® Diamond Preferred® Rewards Card
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- 5 reward points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months
- 1 point for every $1 spent on all other purchases
- Free rewards program
- $0 liability on unauthorized purchases
- Citi® Identity Theft Solutions
- Price Protection Program
- Balance transfer fee applies with this offer
- 0% APR* on balance transfers for up to 12 months
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0% for up to 12 mo. |
10.49%* |
None |
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Chase Platinum Visa® Card
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- 0% Intro APR for up to 12 months* on purchases and balance transfers
- APR as low as 10.99% thereafter
- Free travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
- Free online account access
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for up to 12 mo. |
0% for up to 12 mo. |
10.99% |
None |
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Blue from American Express®
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- 0% APR on purchases for up to 12 months
- Balance transfer requests submitted on application receive APR of 2.99% for 12 months - then, the standard APR for purchases will apply
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- Membership Rewards Express® program
- Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences
- Express approval - get a decision in less than 60 seconds
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for up to 12 mo. |
2.99% for 12 mo.* |
8.99% |
None |
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Capital One® Card Lab
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| Get the card that is perfect for you |
- Choose your rates
- Choose your rewards
- And even choose your own image
- Apply online
- To apply online click the "Apply Here" button or call
1-866-582-0808
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| You choose |
You choose |
You choose |
You choose |
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Discover® MoreSM Card - Clear
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- 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
- Up to 1% Cashback Bonus® on all other purchases automatically
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus® Partners
- 0% Intro APR for 6 months on purchases, and 12 months on balance transfers
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 12 mo. |
10.99%* |
None |
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Citi CashReturnsSM Card
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- Earn up to 6% cash back on purchases; a full 1% cash back on every purchase plus an average 5% additional cash back at 400 leading retailers within the Citi Bonus Cash Center
- Earn a 20% bonus on the cash back earned on all purchases for the first 12 months
- 0% APR* on balance transfers for up to 12 months
- Checks will be sent automatically every time you earn $50
- Balance transfer fee applies with this offer
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0% for up to 12 mo. |
9.99% |
None |
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Chase Free Cash RewardsSM Visa® Card
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| Earn points fast and choose how you want to receive your rewards |
- 1 point for every eligible dollar in purchases
- 1,000 bonus points after your first purchase
- Get your rewards with as few as 2,500 points
- Choose from either a $25 check or a $25 gift card/certificate from leading national merchants for every 2,500 points earned
- Intro 0% Fixed APR for up to 12 months*
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for up to 12 mo. |
0% for up to 12 mo. |
10.99%* |
None |
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Citi® Diamond Preferred® Card
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- 0% APR* on balance transfers and purchases for up to 12 months
- Citi® Identity Theft Solutions
- $0 liability on unauthorized purchases
- Secure, free online account management
- Balance transfer fee applies with this offer
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0%* for up to 12 mo. |
0%* for up to 12 mo. |
8.49%* |
None |
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Clear from American Express®
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- Balance transfer requests submitted on application receive APR of 3.99% for 12 months. Then, the standard APR for purchases will apply
- Automatic Rewards — you'll get an American Express branded shopping card worth $25 delivered straight to your door every time you spend $2,500
- Flexible payment terms: you can pay in full, or carry a balance — the choice is yours
- World class Cardmember benefits including Purchase Protection, Extended Warranty, and Return Protection.
- Express Approval: get a decision in less than 60 seconds
- No fees of any kind: No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0%* for up to 12 mo. |
3.99% for 12 mo.* |
10.99% |
None |
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Blue Cash® from American Express
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- Earn up to 5% cash back on everyday purchases - even gas
- 0% Intro APR for up to 12 months on purchases
- Low balance transfer APR - 2.99% for 12 months
- Express approval - get a decision in less than 60 seconds
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for up to 12 mo. |
2.99% for 12 mo.* |
9.99% |
None |
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AT&T Universal Savings Platinum Card
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- Up to 10% savings for the first 12 months on AT&T purchases
- Plus AT&T calling benefits: Up to 30 free phone minutes each month
- 0% APR* on balance transfers for up to 12 months
- Balance transfer fee applies with this offer
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0% for up to 12 mo. |
8.99%* |
None |
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Discover® Open RoadSM Card
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| Save at the pump and everywhere else* |
- 0% Intro APR for 6 months on purchases, and 12 months on balance transfers
- 5% Cashback Bonus® on gas and auto maintenance purchases
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus® on all other purchases
- Unlimited cash rewards
- Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus® Partners
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 12 mo. |
10.99%* |
None |
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Bank of America® Platinum Plus® Visa® Card
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- 0% introductory APR on balance transfers, check cash advances, and direct deposits for your first 12 billing cycles*
- Credit lines as high as $25,000
- Online Banking Service
- Total Security Protection®
- No annual fee
- Card issued by FIA Card Services, NA.
- Terms & Conditions
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0% for 12 mo.* |
7.99%-17.99% |
None |
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Pulaski Bank Credit Cards
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- 0% APR for 6 billing periods, for balance transfers
- Get an exceptionally low ongoing APR of 6.5% for purchases and cash advances
- No cash advance or balance transfer fees
- 25 day grace period
- $35 annual fee*
*Even though the card has a $35 annual fee, this card can be a very good deal if you carry high balances on other cards.
The Pulaski Bank credit card may be right for you if you have Excellent Credit and are looking for a card with a fixed rate and want to transfer balances from other credit cards.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0%* for 6 mo.* |
6.5% |
$35* |
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Business Credit Cards With 0% Intro and Low APR
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Advanta Platinum BusinessCard with Unlimited Rewards
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- New — unlimited rewards*
- Earn cash back, travel, merchandise and more
- 1 point for every dollar in purchases
- No blackout dates on air travel
- No limit on the points you can earn
- 0% APR for 15 months on balance transfers, 7.99% fixed APR thereafter*
- 7.99% variable APR (based on prime) on purchases
- Get employee cards with no fee and set spending limits per user
- Personalized card - your company name on the top of the card
- $0 Fraud Liability
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0%* for 15 mo. |
7.99%* |
None |
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Capital One® Business Platinum with No Hassle CashSM
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- Earn 1% cash back on everything you buy from day one
- 0% APR on purchases until December 2009
- Get a 25% bonus each year on the cash you earned the previous year
- 0% APR on transferred balances until December 2009
- Free employee cards with individual spending limits you set
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% until Dec. 2009 |
0% until Dec. 2009 |
14.99%(V) |
None |
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
3.9% for 6 mo. |
13.99% |
None |
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CitiBusiness® Card
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- 0% APR on purchases for 12 months*
- $25 Statement Credit after $250 in purchases*
- Additional cards for employees with credit limits you set
- Quarterly and annual account summaries
- Balance transfer fee applies with this offer
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
None |
8.99% |
None |
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Chase Business Rebate Card
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- Introductory fixed 0% APR for up to 12 months on balance transfers*
- Earn a full 3% cash back at restaurants, office supply stores, gas stations, building supply stores, hardware and home improvement centers
- Earn 1% cash back for everything else
- Visa Business Partner Advantage program
- Travel accident insurance
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for up to 12 mo. |
0% for up to 12 mo. |
7.49% |
None |
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Save Money with 0% Balance Transfer Cards
Getting a 0% balance transfer card that doesn’t charge any interest during the introductory period can boost your finances in several important ways:
No interest credit cards allow you to consolidate high-interest debt. You can use money from 0 balance transfer cards to pay off debts from higher interest cards. Some credit card applications may also have special offers of low interest rates on balance transfers made with the application.
No interest credit cards can give your budget a cash infusion. If you have unusually high expenditures or need extra cash, a 0 APR credit card can help tide you over until your income catches up. Many 0 interest credit cards will even transfer money directly to your bank account or send you a check.
No interest credit cards can help you make purchases earlier. A 0 APR credit card gives you the option to make large purchases earlier than you otherwise could.
Many 0 APR credit cards also offer low interest, cash back, rewards, or frequent flyer miles. Each major section of our site also features business credit cards that offer benefits pertinent to that category.
Getting the Most Out of 0% Balance Transfer Cards
To get the most out of your 0 APR credit card, read the terms and conditions carefully before you sign up. For all balance transfer cards, the 0% introductory rate will expire after a designated period. Make sure you know exactly when that period ends by reading the terms of the balance transfer, so you don’t get hit unexpectedly with a high interest rate that will undermine your savings.
Also be sure you are aware of what the transaction fee is for each balance transfer. In some cases there is no fee, and that will be indicated in the card benefits or terms and conditions. Otherwise it is usually capped at $50 - $75 per transfer. Many credit cards consider convenience checks as balance transfers, but the money can go into your checking account instead of paying off another credit card. Again, make sure you are aware of the 0% interest period for the convenience checks and the transfer fee.
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