Featured 0% APR on Balance Transfers & Purchases – August, 2015

The Featured 0% Balance Transfer & Purchase Cards are available below from longest 21 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.

Editor’s Choice 0% Balance Transfer Card

Chase Slate New 2015By far the best card for a balance transfers, the Chase Slate® is offering a 0% Introductory APR on balance transfers and purchases for 15 months and $0 balance transfer fee! With no balance transfer fee for the first 60 days, the Slate from Chase is offering interest free payments for up to 15 months with no catch and no annual fee. You’ll also get 0% intro APR on purchases for 15 months, then after the introductory offer, the purchase APR becomes 12.99%, 17.99, or 22.99% variable. It has been years since I saw a no balance transfer fee credit card! Most, if not all credit cards, want you to pay 3% to 5% for doing a balance transfer. However, you won’t have to pay a dime for transferring your higher rate balances to this Chase Slate card! Apply NowChase Slate Review

Credit Cards from Our PartnersBalance Transfer 0% APRPurchases 0% APR BT FeeAnnual FeeReview
Citi Simplicity® MasterCard21 Months21 Months3% of each balance transfer; $5 minimum$0Review
Citi® Diamond Preferred® MasterCard21 Months21 Months3% of each balance transfer; $5 minimum$0Review
Chase Slate®15 Months 15 Months None$0Review
Chase Freedom®($100 bonus)15 Months 15 Months 3% of each balance transfer; $5 minimum$0Review
Citi® Double Cash Card15 Months 15 Months 3% of each balance transfer; $5 minimum$0Review
Blue Cash Preferred® Card from American Express15 Months 15 Months 3% of each balance transfer; $5 minimum$75Review
Amex EveryDay® Preferred Credit Card from American Express 15 Months 15 Months 3% of each balance transfer; $5 minimum$95Review
Amex EveryDay® Credit Card from American Express 15 Months 15 Months 3% of each balance transfer; $5 minimum$0Review
Blue Cash Everyday® Card from American Express15 Months 15 Months 3% of each balance transfer; $5 minimum$0Review
Chase Ink Cash® Business Credit Card
($200 bonus)
12 Months 12 Months 3% of each balance transfer; $5 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.
Disclaimer: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  1. Jennifer says

    Chase has been horrible to me since 2003 when they robbed me of my mortgage insurance (about 350 per month) as they instructed an employee to continue takiing my mortgage insurance even though a worker had my loan kick out of their system due to insurance cancellation after second month ( due to Texas insurance law that if the previous owner has had 3 or more insurance claims, they can cancel insurance belonging to new owners of that property—previous owners lied on sellers disclosure and no rights for new owners). Now, I open bank accounts and get their promotions, then close the accounts. I NEVER will have another Chase credit card, because they are thieves and they closed my brothers line of credit that he needed because he paid it off each month. If chase cant get money out of you, they will close your account!

  2. Trekit says

    I applied and was approved for a Chase Slate card this past September. They transferred a balance at 0% interest for 15 months. 3 months later, they closed the account along with another Chase credit card I don’t use. What gives? It just happened yesterday on Dec. 19th. I have to wait till Monday to find out. I have always been a little early in paying Slate and have a zero balance on the other card I’ve had for years. I do have a dispute with a merchant so that may be the reason why although disputes happen all the time. Whatever the reason, it’s not due to delinquency or default. I have read about others on the internet who’s account has also been suddenly closed by Chase. No warning, no letter in advance, no e-mail. You just try to use your card and you’re asked for another. So, buyer be ware. Chase has been very difficult to me and my family over the years, despite having stellar credit. If you’re concerned about sudden account closing credit cards, do some research. It just so happens when I did this search today, I found Chase to be one of those cards.

  3. Jennifer says

    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.

  4. bbmak0 says

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

  5. minka kelly says

    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.

  6. Johnny L says

    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.


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