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0% Balance Transfer Credit Cards

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.)

TOP PICKS
Discover® More(SM) Card (formerly Discover Platinum)
Discover® More(SM) Card**


  • 0% for 6 months on purchases
  • 0% for 12 months on balance transfers
  • 5% balance transfer fee.

Apply Now
 
Citi Platinum Select MasterCard
Citi Platinum Select MasterCard


  • 0% APR for up to 12 months
  • Interest Rate: 11.99%-19.99% variable rate
  • Balance Transfer Rate: 0% for up to 12 months

Apply Now
 
Discover Escape Card
Discover Escape Card**


  • 0% APR for 6 months
  • Interest Rate: 11.99% - 19.99% variable rate
  • Balance Transfer Rate: 0% for 6 months

Apply Now
  • Discover® More(SM) Card (formerly Discover Platinum)** - Ongoing Interest Rate: As low as 11.99%, as high as 19.99% variable rate*. Introductory APR: 0% for 6 months on purchases. Balance Transfer Rate: 0% for 12 months, 5% balance transfer fee applies. Annual Fee: None. Also: Offers 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 and 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 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 11.99% - 19.99%. 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 11.99% - 19.99%. 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 11.99%, as high as 19.99% 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.)

  • 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 11.99% - 19.99%. 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.)

  • 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 11.99%, as high as 19.99% 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.)

  • 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.)

Related Categories: Low Interest Credit Cards, 0% Introductory Offer Credit Cards

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* 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.

** See the online Discover credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on Discover's website.

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