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.) Last Updated: July 21, 2008.

• Simmons First National Bank Visa Platinum Travel Rewards - Balance Transfer Rate: 0% for 6 months, then same as standard rate. Balance Transfer Fee: No fee for balance transfers. Ongoing Interest Rate: 8.95% fixed rate*. Introductory APR: Same as standard rate. Annual Fee: None. Also: Offers travel reward points that can be used toward airline tickets and other travel. (click for all terms & conditions.)

• Disney Rewards® Visa® Card from Chase - Balance Transfer Rate: 0% for 12 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 nor more than $75.00. Ongoing Interest Rate: 10.99%, or 15.99% variable rate*. Introductory APR: 0% for 12 billing cycles. Annual Fee: None. Also: Earn Disney Dream Reward Dollars on card purchases; redeem points toward Disney theme park tickets, Disney Cruise Line vacations, Disney DVDs, toys, books, tickets to Disney movies, as well as other Disney exclusive events and discounts. (click for all terms & conditions.)

• Air Force Association Platinum MasterCard - Balance Transfer Rate: 0% for first 12 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 nor more than $75.00. Ongoing Interest Rate: 8.99%, or 12.99%, or 19.99% variable rate*. Introductory APR: 0% for 12 billing cycles. Annual Fee: None. (click for all terms & conditions.)

• optionsXpress Platinum Visa - Balance Transfer Rate: 0% for first 12 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 nor more than $75.00. Ongoing Interest Rate: 8.99%, or 12.99%, or 19.99% variable rate*. Introductory APR: 0% for 12 billing cycles. Annual Fee: None. (click for all terms & conditions.)

• Discover More Card (formerly Discover Platinum) - Balance Transfer Rate: 0% for 12 months, then same as ongoing rate. Balance Transfer Fee: Fee of 3% of the amount of each transfer, minimum fee of $10 and maximum fee of $75. 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 four times a year like travel, apparel, home, gas, restaurants, movies and more, and up to 1% Cashback Bonus on all other purchases. (click for all terms & conditions.)

• Discover Open Road Card (formerly Discover Gas Card) - Balance Transfer Rate: 0% for 12 months, then same as ongoing rate. Balance Transfer Fee: Fee of 3% of the amount of each transfer, minimum fee of $10 and maximum fee of $75. 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.)

• American Kennel Club Rewards Visa - Balance Transfer Rate: 0% for first 12 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 nor more than $75.00. Ongoing Interest Rate: 10.99%, or 14.99%, or 19.99% variable rate*. Introductory APR: 0% for 12 billing cycles. Annual Fee: None. (click for all terms & conditions.)

• Chase Free Cash Rewards Visa® Card - Balance Transfer Rate: 0% for first 12 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 nor more than $99.00. Ongoing Interest Rate: 10.99%, or 14.99%, or 19.99% variable rate*. Introductory APR: 0% for 12 billing cycles. Annual Fee: None. Also: Earn 1 point (or equivalent of 1% cash back) for every dollar in purchases; redeem points for cash or gift certificates from retailers. (click for all terms & conditions.)

• Chase Flexible Rewards Platinum Visa® Card - Balance Transfer Rate: 0% for first 12 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 nor more than $99.00. Ongoing Interest Rate: 10.99%, or 14.99%, or 19.99% variable rate*. Introductory APR: 0% for 12 billing cycles. Annual Fee: None. Also: Earn one point for every dollar you spend on purchases. Redeem points for merchandise, travel rewards, cash back, gift cards. (click for all terms & conditions.)

• Chase Platinum Visa® Card - Balance Transfer Rate: 0% for first 12 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 nor more than $99.00. Ongoing Interest Rate: 10.99%, or 14.99%, or 19.99% variable rate*. Introductory APR: 0% for 12 billing cycles. Annual Fee: None. (click for all terms & conditions.)

• AT&T Universal Savings Platinum Card (AT&T Credit Card) - Balance Transfer Rate: 0% for up to 12 months, then same as ongoing rate. Balance Transfer Fee: Fee of 3% of the amount of each transfer, $5 minimum. Ongoing Interest Rate: As low as 8.99%, or 11.99%, or 15.99% variable rate*. Introductory APR: Same as ongoing. Annual Fee: None. Also: Earn up to 30 free phone minutes each month, and up to 10% off AT&T products and services. (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: 8.49%, 12.49%, or 16.49% variable rate*. Introductory APR: 0% for 12 months or 6 months, depending on credit. Annual Fee: None. (click for all terms & conditions.)

• Major League Baseball® MLB® Extra Bases Credit Card (Choose MLB Credit Card or Card of any MLB Team) - Balance Transfer Rate: 0% for first 12 billing cycles, then same as ongoing rate. Balance Transfer Fee: Fee of 3% of the amount of each transfer, minimum fee of $10. Ongoing Interest Rate: 9.99%, or 15.99% fixed rate*. Introductory APR: Same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• Aircraft Owners and Pilots Association MasterCard - Balance Transfer Rate: 0% for first 12 billing cycles, then same as ongoing rate. Balance Transfer Fee: Fee of 3% of the amount of each transfer, minimum fee of $10. Ongoing Interest Rate: 9.9%, or 15.99% fixed rate*. Introductory APR: Same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• Olivia Visa Credit Card - Balance Transfer Rate: 0% for first 12 billing cycles, then same as ongoing rate. Balance Transfer Fee: Fee of 3% of the amount of each transfer, minimum fee of $10. Ongoing Interest Rate: 9.9%, or 15.99% fixed rate*. Introductory APR: Same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• Citi Diamond Preferred Rewards Card - Balance Transfer Rate: 0% for up to 12 months, then same as ongoing rate. Balance Transfer Fee: Fee of 3% of amount transferred, $5 minimum. Ongoing Interest Rate: 10.49% or 14.49% or 18.49% variable rate*. Introductory APR: Same as ongoing. Annual Fee: None. Also: Earn ThankYou Points for every dollar you spend, redeem points for merchandise including electronics, sporting goods, dining, travel. (click for all terms & conditions.)

• HSBC Platinum MasterCard with Cash Back Rewards - Balance Transfer Rate: 0% for 12 months, then same as ongoing rate. Balance Transfer Fee: Fee of 3% of transfer amount of each transfer, minimum $15. Ongoing Interest Rate: As low as 8.99%, as high as 19.80% variable rate*. Introductory APR: 0% for 12 months. Annual Fee: None. Also: Earn a full 1% cash back on card purchases. (click for all terms & conditions.)

• Citi Dividend Platinum Select Card - Balance Transfer Rate: 0% for up to 12 months, then same as ongoing rate. Balance Transfer Fee: Fee of 3% of amount transferred, $5 minimum. Ongoing Interest Rate: 10.99% or 14.99% or 18.99% variable rate*. Introductory APR: Same as ongoing. Annual Fee: None. Also: Earn 5% cash back on purchases at gas stations, supermarkets, drug stores, convenience stores and utility bill payments (including cable TV) for six months, then 2% cash back on these purchases; also, earn 1% cash back everywhere else. (click for all terms & conditions.)

• State Farm Good Neighbor Credit Card - Balance Transfer Rate: 0% for 9 billing cycles, then same as ongoing rate. Balance Transfer Fee: No fee for balance transfers during first 90 days; thereafter 3% of transaction, maximum $75. Ongoing Interest Rate: As low as 9.99%, as high as 15.99% variable rate*. Introductory APR: Same as ongoing. Annual Fee: None. (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.)

• 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, minimum fee of $10 and maximum fee of $75. 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.)

• 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 nor more than $75.00. Ongoing Interest Rate: 10.99%, or 14.99%, or 19.99% variable rate*. Introductory APR: 0% for 6 billing cycles. Annual Fee: None. (click for all terms & conditions.)

• ASPCA 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 nor more than $75.00. Ongoing Interest Rate: 10.99%, or 14.99%, or 19.99% variable rate*. Introductory APR: 0% for 6 billing cycles. Annual Fee: None. (click for all terms & conditions.)

• KISS Platinum Visa Card - Balance Transfer Rate: 0% for first 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 nor more than $75.00. Ongoing Interest Rate: 10.99%, or 14.99%, or 19.99% variable rate*. Introductory APR: 0% for 6 billing cycles. 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 nor more than $99.00. Ongoing Interest Rate: 11.99%, or 15.99%, or 19.99% variable rate*. Introductory APR: 0% for 6 months. Annual Fee: None. Also: Earn points toward Subaru vehicles or parts and service. (click for all terms & conditions.)

• BP Visa® 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, but not less than $5.00 nor more than $99.00. Ongoing Interest Rate: 13.99%, or 20.99% variable rate*. Introductory APR: Same as standard rate. Annual Fee: None. Also: Earn a 10% rebate when you use the card at BP and Amoco gas stations for the first two billing cycles, then a 5% rebate on these purchases, plus a 2% rebate on dining, airline, auto rental and lodging purchases, and 1% on any other purchases. Redeem for BP gift cards or cash. (click for all terms & conditions.)

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