BEST BONUS OFFERS

PROMOTIONAL ARTICLES

Balance transfer credit cards with interest-free introductory offers can save you money while you work to pay off your credit card debt.

If you have high credit card balances and are paying high interest rates, you may want to consider transferring your balances over to a credit card with a 0% introductory rate on balance transfers.

We have compiled a list of balance transfer credit cards, and all of them have 2 features in common.

All of these balance transfer cards have No Annual Fee, and they offer 0% APR Introductory Offers on Balance Transfers.

It’s important that your balance transfer card has no annual fee, because the idea of transferring your balances is to save money, so any additional fees should be avoided if possible. The balance transfer cards in the list we have provided do not have annual fees.

Read more about How Annual Fees Affect Interest Rates.

You’ll also want a balance transfer credit card with a 0% introductory offer, so that you can avoid paying interest as long as possible, which means that all of your credit card payments will go directly towards your principal balance.

All of the balance transfer cards in this list also offer 0% APR introductory rates, so you’ll pay absolutely no interest during the introductory period for up to 12 months or longer.

However, if you think it may take you longer than the interest-free introductory period to pay off your balance transfers, then you may want to consider Fixed APR for Life Balance Transfer Credit Cards, which offer a low fixed APR on your balance transfers for the life of the loan. Otherwise, you may end up paying a high interest rate on your remaining balance after the introductory offer expires.

Another way to save money is to choose a balance transfer card that has no balance transfer fees. Balance transfer fees can cost you up to around $100, depending on the amount of money you want to transfer and the specific fees of that credit card, so it’s best to choose a balance transfer card with no balance transfer fees.

We have divided our list of balance transfer cards into 2 main categories, balance transfer cards with no balance transfer fees and balance transfer cards that have balance transfer fees. These main categories are then further divided into general consumer cards, student cards and business cards.

If you have to settle for a balance transfer card with a balance transfer fee, you’ll still save money over the long term, considering the amount of interest you would otherwise pay on your current card during the interest-free introductory period of your new balance transfer card, but you will have to pay the one-time balance transfer fee, which is usually around 3% of the balance with a $5 to $10 minimum fee and a maximum fee anywhere between $50 and $100.

However, the best option is to choose a balance transfer card with no balance transfer fees.

0% APR Introductory Rate Balance Transfer Credit Cards with No Balance Transfer Fees

These balance transfer cards offer a 0% APR on balance transfers with no balance transfer fee.

Slate® from Chase

Slate® from Chase

Limited Time: No Balance Transfer Fee!*
Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
After the first 30 days, the balance transfer fee is 3% of the amount transferred with a minimum of $5
0% Intro APR for up to 12 months – a variable APR as low as 11.99-21.99% after your 0% ends
Slate with Blueprint helps you pay down your balances faster and save on interest
Zero liability on unauthorized purchases*
No Annual Fee*
Apply Now!

Discover® More® Card – No Balance Transfer Fee*

Limited Time Offer – $0 Balance Transfer Fee!*
0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% – 19.99%*
5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
Discover is ranked 1 in customer loyalty–15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information
Apply Now!

0% APR Introductory Rate Balance Transfer Credit Cards

These balance transfer cards offer 0% APRs for up to 21 months.

Citi® Platinum Select® MasterCard®

Citi® Platinum Select® MasterCard®

0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.
Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
Citi® Identity Theft Solutions
No annual fee*

Apply Now!

Discover® More® Card – Balance Transfer Fee*

0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% – 20.99%*
0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% – 20.99%*
5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
Discover is ranked #1 in customer loyalty–15 years in row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
$0 Fraud Liability plus automatic mobile and email fraud alert options
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information
Apply Now!

* See the online 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 credit card issuers website.

Chase Freedom® Visa – $100 Bonus Cash Back

Chase Freedom® Visa – $100 Bonus Cash Back

This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
0% Intro APR for 12 months on balance transfers and 6 months on purchases
5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 – 3/31/12.
You’ll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It’s free and easy to activate your bonus each quarter!
Unlimited 1% Cash Back on all other purchases without limits on what you can earn and up to an additional 10% Cash Back when you shop online at select merchants through Chase
No annual fee and rewards never expire

Apply Now!

Read more Tricks to Balance Transfers to find out how to make the most of your balance transfer credit card.

Take advantage of these interest-free balance transfer credit cards to start saving money while you work to pay off your credit card debt.