Best 0% APR on Balance Transfers & Purchases – April, 2014

by Hu$tler on April 2, 2014

in Credit Card bonuses

The Best 0% Balance Transfer & Purchase Cards are available below from longest 18 months to the lowest 12 months intro period. If you are carrying a high balance and paying interest each month, you can save a lot of money by doing a balance transfer of your balance to a 0% intro offer credit card. It’s important to factor in the balance transfer fee of 3% of your total balance. Some cards below also have sign up bonus which can help you offset the balance transfer fee. After doing a balance transfer, simply pay the minimum each month and pay no interest for the duration of your terms. However, I highly recommend to pay off your balance by the end of your 0% intro period so you will not have to pay any more interest.

Best 0% Balance Transfer & Purchase Cards

Discover It CardDiscover it® offers 18 months 0% APR on balance transfers along with no annual fee, no over limit fee, and no foreign transaction fee. Pay zero late fee on your first late payment and they won’t increase your APR for paying late. Cardholders earn 5% cash back on up to $1,500 in purchases for Restaurants and Movies through March 2014 with free and easy sign-up. And 1% cash back on all other purchases. Discover It Review

Citi Simplicity ReviewCiti Simplicity® Visa Card offers 0% intro APR on Balance Transfers and Purchases for 18 months with no annual fee! It is one of the most popular consumer credit cards due to the long no interest periods on both purchases and balance transfers. The card also does not charge any late fees or penalty rates. You’ll save time when you call with fast, personal help, 24 hours a day. Full Review

Credit Card BT 0% APRPurchases 0% APR BT FeeAnnual FeeReview
18 Months 6 Months 3%$0Review
Citi Simplicity Visa Card18 Months 18 Months 3% of each balance transfer; $5 minimum$0Review
18 Months 18 Months 3% of each balance transfer; $5 minimum$0Review
18 Months 18 Months 3% of each balance transfer; $5 minimum$0Review
Barlcaycard® Rewards MasterCard® - Excellent Credit18 Months 18 Months 3% of each balance transfer; $10 minimum$0Review
15 Months 15 Months 3% of each balance transfer; $5 minimum$0Review
U.S Bank Visa Platinum15 Months 15 Months 3%$0Review
Blue Cash Everyday® Card from American Express15 Months 15 Months 3%$0Review
Blue Cash Preferred® Card from American Express15 Months 15 Months 3%$75Review
Blue Sky from American Express®15 Months 15 Months 3%$0Review
Citi® Dividend Platinum Select® Visa® Card $10012 Months 12 Months3% of each balance transfer; $5 minimum$0Review
U.S Bank Flexperks $15012 Months12 Months 3%Free 1st yrReview
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{ 7 comments… read them below or add one }

Jennifer July 31, 2013 at 7:05 pm

BT is included above as all have 3% BT fee. For example, if you personally wanted to trasndfer $1000 from an account to one of the accounts listed, there would be a BT fee of $30 or 3% of $1000.

Reply

Jay July 6, 2013 at 7:58 am

Isn’t Chase Slate still 0% and 0 fee?

Reply

bbmak0 August 6, 2012 at 8:36 pm

I just got an offer from mail. Isn’t Capitalone now offer 0% APR, 0 % Balance Transfer, and no fee for transfer balance?

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minka kelly May 23, 2012 at 9:56 am

If we carry a large balance from month to month, the right choice is Cimplicity Citi card or other Citi. Why? This credit card offers 0 APR for 18 months. This is a great opportunity to pay off the outstanding balance. Citi Cimplicity also does not charge late payment fee and penalty APR.

Reply

Johnny L April 12, 2012 at 9:10 am

Capital One Platnium Prestige 0%APR till June 2013 NO BT fee, only thing is require excellent credit. It is a good option to get the Chase credit cards out of debts.

Reply

jrfigo April 25, 2012 at 8:02 pm

The Capital One Platinum Prestige has a 3% BT fee, so I am not sure where you got the NO BT from.

Reply

TekGems February 1, 2012 at 8:29 pm

Hi, definitely a good list. I think you should have included what the BT FEE is. Minimum fee and percentage charged.

Reply

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