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 Fee: 4% balance transfer fee applies. Balance Transfer Length: 15 months.
Ongoing Interest Rate: 11.99-20.99% variable rate*. Introductory APR:0% on purchases for full 6
months. 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 Fee: Fee of 5% of each balance transfer, minimum fee of $10.
Balance Transfer Length: 0% intro APR for 18 months, then same as ongoing rate.
Ongoing Interest Rate: 11.99%-19.99% variable rate*. This APR will vary with the market based on the Prime Rate.
Both the rate and duration of this offer will be based on your creditworthiness.*
Introductory APR: 0% on purchases for 12 months.
Annual Fee: None. (click for all terms & conditions.)
Chase Freedom® Visa - $50 Bonus Cash Back
- Balance Transfer Fee: 5% ($10 minimum)
Balance Transfer Length: 12 months
Ongoing Interest Rate: 12.99-22.99% variable rate*.
Earn $50 Bonus Cash Back after first purchase.
Introductory APR: 0%* for 12 months on balance transfers; 6 months on Purchases.
Annual Fee: None. (click for all terms & conditions.)
Miles
Card by Discover**-
Balance Transfer Fee: Fee of 3% of the amount of each transfer.
Balance Transfer Length: 0% for full 6 months, then same as ongoing rate.
Ongoing Interest Rate: 10.99% variable rate*.
Introductory APR: 0% for full 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®
Open Road(SM) Card (formerly Discover Gas Card)**-
Balance Transfer Rate: 0% for full 12 months, then
same as ongoing rate. Balance Transfer Fee: Fee of 4% of the amount of each transfer. Ongoing
Interest Rate: 11.99%-20.99% variable rate*. Introductory APR: 0% for full 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 Fee: Fee of 3% of each transfer, minimum
$10, maximum $75. Balance Transfer Length: 0%
for 6 months, then same as ongoing rate. 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 Fee:Fee
of 3% of the amount of each transfer, but not less than
$5.00. Balance Transfer
Length: 0% for first 6 billing cycles, then same
as ongoing interest rate. 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 Fee: Fee of 3% of the amount
of each transfer, minimum $10.00. Balance Transfer Length: 0% for first 6 billing
cycles, then same as ongoing interest rate. 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 Fee:Fee of 3% of the
amount of each transfer, but not less than $5.00. Balance Transfer Length
0% for 6 billing cycles, then same as ongoing rate.
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 Fee: Fee of
3% of the amount of each transfer, $5.00 minimum, $50 maximum. Balance Transfer Length: 0% for 6 billing cycles, then
same as ongoing rate. 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 Fee: Fee of 3% of the amount of each transfer, $5.00 minimum, $50 maximum. Balance Transfer Length: 0% for 6 billing cycles,
then same as ongoing rate.
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.
** 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.
