More than a few people have asked about some good 0% APR Balance Transfer offers, and the ability to save tons of interest with no fee offers or even many low fee offers.
I’ve looked at hundreds of cards online, scoured the “Terms & Conditions” fine print, and the listed ones below are the best that I’ve found with the longest 0% APR periods and the lowest fees. It’s been really hard to avoid all fees these days, but they can still be found occasionally, and even with a small fee the overall APR can still be very low with a nice long balance transfer term. I’ve tried to include a variety of card issuers – and have highlighted the important details in the fine print. Just click on the card name to go directly to the correct offer and card application. Updated as of June 2014.
1) Citi Simplicity® Card – 0% APR on balance transfers and purchases for 18 months. That’s nearly 2 years at 0% interest for balance transfers and purchases! An exceptionally long and flexible offer with no over limit fees or late payment fees, as you can both transfer a balance and also keep charging purchases on it during the introductory period. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. No annual fee.
2) Discover it® – 0% APR on purchases and balance transfers for 14 months*. The variable purchase APR after the intro period expires is currently 10.99% – 22.99%. No annual fee. The Discover it card is a brand new offering from Discover, as they’ve retired their Discover More Cards. This card has many new features not yet seen before on a credit card; such as 100% United States human customer service and availability to make payments on your due date until midnight. Also included with the Discover it card is no over limit fee. No pay-by-phone fee. No foreign transaction fee. And no late fee for your first late payment. Plus they won’t raise your APR for paying late.* The balance transfer fee is 3%.
3) Citi® Diamond Preferred® Card – Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.* There is a balance transfer fee of either $5 or 3% of the amount of each transfer. Citi Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals. 24/7 concierge service help book your hotel rooms, flights and more and $0 liability on unauthorized purchases and Citi® Identity Theft Solutions. No annual fee.
4) Chase Slate® – 0% Introductory APR on balance transfers and purchases for 15 months and $0 balance transfer fee – Introductory offer! With no balance transfer fee for the first 60 days, the Slate from Chase is offering interest free payments for up to 15 months with no catch and no annual fee. The 0% intro APR is also extended on purchases for 15 months and once the intro rate has expired, the purchase APR becomes 12.99% – 22.99% variable.
5) Capital One® Platinum Prestige Credit Card – 0% APR on purchases and balance transfers until November 2015! No annual fee. The Capital One Platinum Prestige includes a very low 10.9% – 18.9% variable APR after that. The balance transfer fee is 3% with no balance transfer minimum fee and this card includes travel accident insurance and auto rental insurance … two additional perks for MasterCard holders.
6) Citi® Dividend Platinum Select® Visa® Card - 0% APR on balance transfers and purchases for 12 months. Balance transfer fee is 3% with a $5 minimum. No annual fee. And for a limited time, they are also offering an additional $100 cash back after $500 in purchases within the first 3 months of account opening. There is also a cashback rewards program with this card that provides a 5% cash back every quarter in must-have categories like home improvement, travel and more, in addition to a 1% cash back on all other purchases. Right now, on purchases on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 through 9/30/14. enrollment each quarter is quick and easy. You may earn a total of up to $300 per calendar year. See application link above for details.
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