Balance Transfer Credit Card Offers - 0% Interest Rate |
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Balance transfer credit cards offer eligible applicants to pay off their current high interest rate balances at a low or 0% APR. Compare balance transfer offers from top US card companies online. Estimate their introductory periods, ongoing interest rates and fees and apply online for a credit card with best saving features. Top balance transfer cards online require no annual fee and offer rewards such as points and cash back.
These Credit Offers are Only for People with Excellent or Good Credit History.
Have Bad or No Credit History? Click Here! Fair Credit? Click Here!
Capital One®
Platinum Prestige Credit Card  
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Discover® Card
Discover® More Card 
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Citibank
Citi® Diamond Preferred® Card 
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Capital One®
Platinum Credit Card 
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The Longest 0% APR Period for Balance Transfer
0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate.26
No annual fee.26
| Bank Name Credit Card Name |
Intro APR BT (Intro Period) |
Intro APR Purch. (Intro Period) |
APR % | Balance Transfer Fee | Annual Fee |
Apply Details |
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0% (12 months) |
0% (9 months) |
11.99% - 20.99%± (V) |
4% | $0 |
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0% (15 months)26 |
n/a | 12.99% - 20.99%26 (V) |
4% ($5 min) |
$026 |
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0% (12 months) |
0% (6 months) |
11.99% - 20.99%± (V) |
4% | $0 |
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Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable
If the sky-high interest rate on your credit card keeps you accumulating unmanageable debt, it's time to consider a balance transfer. It allows you to move the debt from a high rate credit card onto a low interest plastic and pay it off at a much smaller cost.
Thanks to the low ongoing rate or 0% intro APR on balance transfers you can save hundreds of dollars and use them towards faster debt pay-off. Balance transfer offers featured on our website are designed for customers with good/excellent score and lengthy payment history. If you have numerous defaults on credit cards or any other types of credit accounts we recommend that you avoid applying for balance transfers online.
Check your consumer report to make sure you qualify and if you do - you are welcome to compare, choose and apply for a balance transfer card online. Check with the leading card companies to see if they have the best offer for you. Find the lowest APR credit card to apply online!
As you decide to do away with the debt by means of balance transfers, or debt consolidation, there are some things to look into. Carefully study the terms and conditions and other important disclosures in the fine print of your card's agreement.
Pay special attention to the type of APR you're signing up for. Ideally, you can apply for a low ongoing APR offer, move your debt on to it and pay it off until you're done with it in full. If you do not want to pay interest at all, a good option would be a 0% intro APR balance transfer card. Please, note: as the introductory period expires, you will be subject to the regular APR on the remaining balance, if any. So, to really benefit from 0% intro APRs you should pay the whole debt before the teaser period is over.
If there is a probability that you do not pay the whole debt off before the expiration date, make sure that you get the lowest ongoing rate possible. You don't want to be charged with unmanageable interest and turn the process of debt elimination backward.
Another important thing is the amount of debt transferred. Make sure the limit on the new credit card is high enough to consolidate the whole debt. If you do not qualify for the limit necessary and transfer only part of your high interest debt, you'll get two bills instead of one. So, instead of simplifying your payments and reducing their cost, you may only get deeper into debt.
If you have more than one account with outstanding balances, you may consider consolidating them all onto a single account with 0% intro APR or low ongoing rate. Again, the key is to be approved for the adequate credit line to move all the debts.
The right understanding of the fine print clauses will help you avoid typical slip-ups and use the balance transfers to your advantage. Our website features and constantly updates top balance transfer offers so you could browse all of them and compare them side-by-side to arrive at the best application online.
The most attractive credit card offers online come with the longest introductory periods, lowest ongoing APRs on balance transfers and purchases, no annual fees and a bunch of rewards and benefits. Apply online and combine the benefit of low APR with the opportunity to earn on a bonus point or cash back credit card! The high credit score and long payment history allow you to qualify for best rewards credit cards available on the market. As a point rewards cardholder, you'll earn points on each dollar spent with the card and redeem them for a wide range of brand-name merchandise, travel or cash. Get a cash back credit card and you'll fill your wallet with free money! Enjoy additional programs such as fraud protection or purchase protection plan. Earn best rewards while saving hundreds on paying off the debt.
Look through all balance transfer offers available and apply online today!
Best Credit Cards
Here we gathered for comparison the best offers from the top companies and banks. Here you can find the Best Credit Cards deals as considered by our specialists.
Compare the deals and arrive at the best ones you may have. There really are offers you will like. Apply online for the best Instant Approval Card for good or excellent history. They do not give guaranteed online approval, but provide instant response, so that you do not have to wait for an answer.
You can find Low Rate Card Offers with 0% or low intro APR that changes to a higher or to a lower rate, or fix-rated APR, later. No Annual Fee Cards offers are always popular with customers, and here you are free to compare the deals.
For even better ones, look through the best Balance Transfer deals that let you transfer higher-interest balances and get a lower rate. We also present Business Credit Cards offers to control business expenses and get rewards. Such are frequent flyer bonuses, cash rebates and many others. Among the best online offers are Student Credit Cards that start building good history of young people. You are welcome to apply online for to enjoy the best online offers on hand.
Related FAQs
± The Rate and Term Length are subject to change. Please see Terms and Conditions for actual Rate and Term Length.
26 See the online Citi credit card applications for details about terms and conditions of reward programs and offers.
