Featured 0% APR on Balance Transfers & Purchases – August, 2014

by Hu$tler on August 4, 2014

in Credit Card bonuses

The Featured 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.

Featured 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 at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® from April through June 2014 . Then 1% cash back on all other purchases. Apply NowDiscover 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. Apply NowFull Review

Credit Card
Balance Transfer 0% APR
Purchases 0% APR
BT Fee
Annual Fee
Review
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
Chase Freedom® ($100 bonus)15 Months 15 Months 3% of each balance transfer; $5 minimum$0Review
15 Months 15 Months 3% of each balance transfer; $5 minimum$0Review
U.S Bank Visa Platinum15 Months 15 Months 3% of each balance transfer; $5 minimum$0Review
Blue Sky from American Express®
($100 bonus)
15 Months 15 Months 3% of each balance transfer; $5 minimum$0Review
Blue Cash Everyday® Card from American Express
($100 bonus)
15 Months 15 Months 3% of each balance transfer; $5 minimum$0Review
Amex EveryDaySM Credit Card from American Express
($100 bonus)
15 Months 15 Months 3% of each balance transfer; $5 minimum$0Review
Blue Cash Preferred® Card from American Express
($150 bonus)
15 Months 15 Months 3% of each balance transfer; $5 minimum$75Review
US Airways Premier World MasterCard®
($400 bonus)
15 Months 12 Months3% of each balance transfer; $10 minimum$89Review
Discover it® Card14 Months 14 Months 3%$0Review
Citi® Dividend Platinum Select® Visa® Card
($100 bonus)
12 Months 12 Months3% of each balance transfer; $5 minimum$0Review
Citi ThankYou® Preferred Card
($200 bonus)
12 Months 12 Months 3% of each balance transfer; $5 minimum$0Review
U.S Bank Flexperks
($150 bonus)
12 Months12 Months 3% of each balance transfer; $5 minimumFree 1st yrReview
Chase Ink Cash® Business Credit Card
($200 bonus)
12 Months 12 Months 3% of each balance transfer; $5 minimum$0Review
Priceline Rewards Visa® Card
($100 bonus)
12 Months 12 Months 4% of each balance transfer; $10 minimum$0Review
Barclaycard Arrival(TM) World MasterCard®
($200 bonus)
12 Months 12 Months 4% of each balance transfer; $10 minimum$0Review

Balance Transfer Credit Card Tips

  1. To offset balance transfer fee, you may want to pick the credit cards with sign up bonuses. After fulfilling the spending requirement to get the sign up bonus, then you can ask for the 0% balance transfer. Make sure to do it within the allowable time frame, usually within 3 months of account opening.
  2. Find the best credit cards with 0% intro APR on both balance transfers and purchases. Before doing a balance transfers, always ask for a credit limit increase without a hard pull to get the maximum amount for doing a balance transfers.
  3. Make sure to always pay on time and never skip any or pay them late. This is extremely important because you may lose the benefit of the 0% intro APR for late payments and will revert back to high interest rate.
  4. Figure out how you can pay off your balance in full before the 0% intro APR on balance transfers expires. If you don’t, then you simply will go back into paying high interest rate again.
  5. Understand the fees you will have to pay for doing a balance transfer. Most card issuers charge a balance transfer fee of 3-5% each time you do a balance transfer. It may be possible to negotiate with the BT fee or ask them for a cap. There is no hurt in trying.

 

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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?

Reply

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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