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.
| Credit Card | BT 0% APR | Purchases 0% APR | BT Fee | Annual Fee | Review |
|---|---|---|---|---|---|
| 18 Months | 6 Months | 3% | None | Review | |
| 18 Months | 18 Months | 3% of each balance transfer; $5 minimum | $0* | Review | |
| 18 Months | 18 Months | 3% of each balance transfer; $5 minimum | $0* | Review | |
| 15 Months | 15 Months | 3% of each balance transfer; $5 minimum | $0* | Review | |
| U.S Bank Visa Platinum | 15 Months | 15 Months | 3% | None | Review |
| Citi® Dividend Platinum Select® Visa® Card $100 | 12 Months | 12 Months | 3% of each balance transfer; $5 minimum | $0* | Review |
| U.S Bank Flexperks $150 | 12 Months | 12 Months | 3% | Free 1st yr | Review |
{ 5 comments… read them below or add one }
Hi, definitely a good list. I think you should have included what the BT FEE is. Minimum fee and percentage charged.
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.
The Capital One Platinum Prestige has a 3% BT fee, so I am not sure where you got the NO BT from.
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.
I just got an offer from mail. Isn’t Capitalone now offer 0% APR, 0 % Balance Transfer, and no fee for transfer balance?