Credit
cards offering zero percent balance transfers, ranked by length
of balance transfer offer (rates shown are the published rates
for the best credit customers -- rates may vary based on your
credit history, so the rates shown here are NOT guaranteed for
every applicant.). Balance transfer fees (or lack thereof),
ongoing interest rates, introductory APR offers, and annual
fees factored in when balance transfer rates are equivalent.
(NOTE: Credit card rates change fairly regularly -- check the
terms and conditions of each card to be sure the interest rates
shown here are accurate.)
Discover®
More(SM) Card (formerly Discover Platinum)- Balance
Transfer Rate: 0% for 6 months, then same as
ongoing rate. Balance Transfer Fee: Fee of 3%
of the amount of each transfer.Ongoing
Interest Rate: As low as 10.99%, as high as 18.99% variable
rate*. Introductory APR: 0% for 6 months. Annual
Fee: None. Also: Earn a 5% Cashback Bonus®
in categories that change like travel, home improvement
stores, department stores, gas, groceries, restaurants and
many more; earn up to a 1% Cashback Bonus on all other purchases.(click
for all terms & conditions.)
Citi
Platinum Select MasterCard - Balance Transfer
Rate: 0% for up to 12 months, then same as ongoing
rate. Balance Transfer Fee: Fee of 3% of each
balance transfer, minimum fee of $5. Ongoing
Interest Rate: 11.99%, 15.99%, or 19.99% variable rate*.
Introductory APR: 0% for up to 12 months. Annual
Fee: None. (click
for all terms & conditions.)
Discover®
Open Road(SM) Card (formerly Discover Gas Card)-
Balance Transfer Rate:0% for 6 months, then
same as ongoing rate. Balance Transfer Fee: Fee
of 3% of the amount of each transfer.Ongoing
Interest Rate: As low as 10.99%, as high as 18.99% variable
rate*. Introductory APR: 0% for 6 months. Annual
Fee: None. Also: Earn 5% cash back on gas purchases
and automotive maintenance purchases, up to 1% cash back
on other purchases.(click
for all terms & conditions.)
IberiaBank Visa Classic -
Balance Transfer Rate: 0% for 6 months, then same as ongoing rate.
Balance Transfer Fee: None.
Ongoing Interest Rate: Variable Rate APR ranging from Prime + 3% thru Prime + 5% (As low as 6.25% - 8.25%).
Introductory APR: Same as ongoing.
Cash Advance Interest Rate: Variable Rate APR ranging from Prime + 7% thru Prime + 9% (As low as 10.25% - 12.25%).
Cash Advance Fee: 5% ($5.00 minimum, $100 maximum).
Annual Fee: None.
(click for all terms & conditions.)
Iberiabank Visa Gold -
Balance Transfer Rate: 0% for 6 months, then same as ongoing rate.
Balance Transfer Fee: None.
Ongoing Interest Rate: Variable Rate APR ranging from Prime + 4% thru Prime + 6% (As low as 7.25% - 9.25%).
Introductory APR: Same as ongoing.
Cash Advance Interest Rate: Variable Rate APR ranging from Prime + 8% thru Prime + 10% (As low as 11.25% - 13.25%).
Cash Advance Fee: 5% ($5.00 minimum, $100 maximum).
Annual Fee: None.
Also, Earn 1% in cash back credit on all qualifying purchases.
(click for all terms & conditions.)
Iberiabank Visa Platinum -
Balance Transfer Rate: 0% for 6 months, then same as ongoing rate.
Balance Transfer Fee: None.
Ongoing Interest Rate: Variable Rate APR ranging from Prime + 4% thru Prime + 6% (As low as 7.25% - 9.25%).
Introductory APR: Same as ongoing.
Cash Advance Interest Rate: Variable Rate APR ranging from Prime + 8% thru Prime + 10% (As low as 11.25% - 13.25%).
Cash Advance Fee: 5% ($5.00 minimum, $100 maximum).
Annual Fee: None.
Also, Earn 1 bonus point for every $1 in qualifying net retail purchases.
(click for all terms & conditions.)
Discover Escape Card -
Balance Transfer Rate: 0% for up to 6 months, then same as ongoing rate.
Balance Transfer Fee: Fee of 3% of the amount of each transfer.
Ongoing Interest Rate: Variable purchase APR 10.99% - 18.99%.
Introductory APR: 0% for up to 6 months.
Annual Fee: $60.
Also: 25,000 Bonus Miles* - 1,000 Miles each month you make a purchase the first 25 months. Double Miles on travel and restaurant purchases. One Mile for every dollar on all other purchases. Book any travel, anytime with no blackout dates or restrictions.
(click for all terms & conditions.)
Discover Monogram Card -
Balance Transfer Rate: 0% for 6 months, then same as ongoing rate.
Balance Transfer Fee: Fee of 3% of the amount of each transfer.
Ongoing Interest Rate: Variable purchase APR 10.99% - 18.99%.
Introductory APR: 0% for 6 months.
Annual Fee: None.
Also: 5% Cashback Bonus® in popular categories like travel, home improvement stores, department stores, gas, restaurants and many more. Up to 1% Cashback Bonus on all other purchases automatically. Unlimited cash rewards that never expire as long as you use your card.
(click for all terms & conditions.)
Miles
Card by Discover- Balance Transfer Rate:0% for 6 months, then same as ongoing rate.Balance
Transfer Fee: Fee of 3% of the amount of each transfer.Ongoing Interest Rate: As low as 10.99%,
as high as 18.99% variable rate*. Introductory APR:
0% for 6 months. Annual Fee: None. Also: Earn
one mile for each dollar you spend, redeem miles for airline
tickets from most major airlines. (click
for all terms & conditions.)
Citi
Forward Card-
Balance Transfer Rate:0% for 6 months, then
same as standard rate. Balance Transfer Fee: Fee
of 3% of the amount of each transfer, minimum $5.Ongoing
Interest Rate: Starts
at 14.24% variable rate, but you can reduce the interest
rate by .25 points every 3 months when you use the card,
pay on time, and stay under the credit limit. Total reduction
can be a maximum 2%, leading to an interest rate as low
as 12.24% over time. Introductory
APR: 0% for 6 months. Annual Fee: None. Also:
Earn 5 reward points for every $1 you spend on books, movies,
music and at restaurants; earn 1 reward point for every
$1 you spend on other purchases. (click
for all terms & conditions.)
Discover Biodegradeable More Card -
Balance Transfer Rate: 0% for 6 months, then same as ongoing rate.
Balance Transfer Fee: Fee of 3% of the amount of each transfer.
Ongoing Interest Rate: Variable purchase APR 10.99% - 18.99%.
Introductory APR: 0% for 6 months.
Annual Fee: None.
Also: Card plastic breaks down 99% within five years in landfill conditions. 5% Cashback Bonus® in popular categories like travel, home improvement stores, department stores, gas, restaurants and many more. Up to 1% unlimited Cashback Bonus® on all other purchases. Unlimited cash rewards that never expire as long as you use your card.
(click for all terms & conditions.)
SunTrust
Platinum Visa- Balance Transfer Rate:0%
for 6 months, then same as ongoing rate. Balance
Transfer Fee: Fee of 3% of each transfer, minimum
$10, maximum $75.Ongoing Interest Rate: 9.99%
or 14.99% variable rate*. Introductory APR: 0% for
6 months. Annual Fee: None.(click
for all terms & conditions.)
AARP
Rewards Platinum Visa Credit Card- Balance Transfer
Rate:0% for first 6 billing cycles, then same
as ongoing interest rate. Balance Transfer Fee:Fee
of 3% of the amount of each transfer, but not less than
$5.00.Ongoing Interest Rate: 9.24%, or 13.24%,
or 18.24% variable rate*. Introductory APR: 0% for
6 billing cycles. Annual Fee: None.(click
for all terms & conditions.)
Bank
of America Platinum Plus Visa-
Balance Transfer Rate:0% for first 6 billing
cycles, then same as ongoing interest rate. Balance
Transfer Fee: Fee of 3% of the amount
of each transfer, minimum $10.00.Ongoing Interest
Rate: As low as 10.24%, as high as 16.24% variable rate*.
Introductory APR: Same as ongoing rate. Annual
Fee: None.(click
for all terms & conditions.)
Subaru
Platinum MasterCard- Balance Transfer Rate: 0% for 6 billing cycles, then same as ongoing rate.
Balance Transfer Fee:Fee of 3% of the
amount of each transfer, but not less than $5.00.Ongoing
Interest Rate: 10.24%, or 14.24%, or 18.24% variable
rate*. Introductory APR: 0% for 6 months. Annual
Fee: None.(click
for all terms & conditions.)
Best
Western Platinum MasterCard-
Balance Transfer Rate: 0% for 6 billing cycles, then
same as ongoing rate. Balance Transfer Fee: Fee of
3% of the amount of each transfer, $5.00 minimum, $50 maximum.
Ongoing Interest Rate: 13.99%, or 16.99%, or 19.99%
variable rate*. Introductory APR: Same as regular rate.
Annual Fee: None.(click
for all terms & conditions.)
Vegas.com
MasterCard-
Balance Transfer Rate:0% for 6 billing cycles,
then same as ongoing rate.Balance Transfer Fee: Fee
of 3% of the amount of each transfer, $5.00 minimum, $50 maximum.
Ongoing Interest Rate: 13.99%, or 16.99%, or 19.99%
variable rate*. Introductory APR: Same as regular rate.
Annual Fee: None. (click
for all terms & conditions.)
*
variable rate = credit card interest rate changes in line
with federal interest rates or other rate index; fixed
rate = credit card rate stays the same regardless of changes
in federal rates, but still may be changed by credit card
issuer in the future.
