Compare 0% APR Balance Transfer Credit Cards

Many credit card companies offer 0% APR on balance transfers for new credit card accounts. If you can find a credit card company that offers a 0% rate on balance transfers, you may be able to save yourself money in the long run.

Balance transfer credit cards aren't a specific type of credit card; instead, they are a credit card designed for balance transfers with 0% interest rates on the transferred balance. A balance transfer allows you to transfer credit card balance from one card to another in order to pay a lower interest rate on the new card. Compare balance transfer credit cards below.

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    • Intro APR

      N/A
    • Regular APR

      14.99% or 18.99%* Variable
    • Balance Transfer

      0%
      12 Months
    • Average Savings

      $1,162.80 Over 1 year view details
    Show More Info
    x

    Your Average Savings

    Year One Year Two Year Three Total
    Interest Savings on Balance Transfers ? $900.00 $225.45 $225.45 $1,350.90
    * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Interest Savings on Balance for New Purchases ? $300.60 $300.60 $300.60 $901.80
    * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Reward Points ? $97.20 $97.20 $97.20 $291.60
    * This card offers cardholders double miles on all purchases, estimated at $.02 per dollar spent.
    Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
    *
    One Time Bonus ? $0.00 $0.00 $0.00 $0.00
    * This card rewards cardholders that spend $1,000 in the first 90 days with a one-time bonus of 40,000 bonus miles, equal to $400 in travel according to Barclaycard.
    Balance Transfer Cost ? -$135.00 -$0.00 -$0.00 -$135.00
    * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
    Annual Fee ? -$0.00 -$89.00 -$89.00 -$178.00
    * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
    Totals $1,162.80 $534.25 $534.25 $2,231.30
    * Credit card savings displayed are based on estimates as calculated by MyRatePlan, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

    Barclaycard Arrival Plus™ World Elite MasterCard® Summary

    • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit

    • Earn 2X miles on all purchases - Miles don't expire as long as your account is open, active and in good standing

    • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits

    • Chip card for increased confidence and convenience to pay abroad as easily as you do at home

    • No foreign transaction fees on anything you buy while in another country

    • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 14.99% or 18.99%, depending on your creditworthiness.

    • Complimentary online FICO® Credit Score access for Barclaycard Arrival Cardmembers

    MyRatePlan's Expert Rating & Review

    Barclaycard Arrival Plus™ World Elite MasterCard® review written by and updated on .

    Expert Rating: 4.65 / 5 stars

    4.65
    Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

    User Reviews for Barclaycard Arrival Plus™ World Elite MasterCard®

    • Intro APR

      n/a
    • Regular APR

      24.99%* Variable
    • Balance Transfer

      N/A
    • Average Savings

      $523.90 Over 1 year view details
    Show More Info
    x

    Your Average Savings

    Year One Year Two Year Three Total
    Interest Savings on Balance Transfers ? $0.00 $0.00 $0.00 $0.00
    * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Interest Savings on Balance for New Purchases ? $450.30 $-299.40 $-299.40 $-148.50
    * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Reward Points ? $48.60 $48.60 $48.60 $145.80
    * This card offers 2x points per $1 spent on gas, groceries and utilities (estimated at $.02). We assume 35% of purchases made with this card are on these premium purchases, with the remaining 65% receiving the standard one point per $1 spent (estimated at $.01).
    Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
    *
    One Time Bonus ? $25.00 $0.00 $0.00 $25.00
    * Cardholders earn 2,500 bonus points after their first purchase, an estimated $25 value. This one-time bonus will only display in your savings calculations if the monthly purchases entered into your "My Credit Card Profile" meet this qualification.
    Balance Transfer Cost ? -$0.00 -$0.00 -$0.00 -$0.00
    * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
    Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
    * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
    Totals $523.90 $-250.80 $-250.80 $22.30
    * Credit card savings displayed are based on estimates as calculated by MyRatePlan, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

    Barclaycard® Rewards MasterCard® - Average Credit Summary

    • No annual fee

    • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else

    • Use the points you earn like cash to pay for almost any purchases you've made.

    • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.

    • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score

    • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

    MyRatePlan's Expert Rating & Review

    Barclaycard® Rewards MasterCard® - Average Credit review written by and updated on .

    Expert Rating: 4.65 / 5 stars

    4.65
    • Pros:

      The Barclaycard® Rewards MasterCard® - Average Credit offers great rewards for a credit card designed for people with average credit scores. With the Barclaycard® Rewards MasterCard® - Average Credit, cardholders earn 2 points for each dollar spent on gasoline, groceries, or utilities, which are most people's main spending categories, and 1 point for each dollar spent on any other purchases.

    • Cons:

      None.

    • Our Final Take:

      This card is definitely one of the best credit cards for average credit out of any of the cards available today. If you have average credit and want a solid rewards credit card with no annual fee, then this is probably the card for you.

    Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

    User Reviews for Barclaycard® Rewards MasterCard® - Average Credit

    • Intro APR

      0%
      15 billing periods
    • Regular APR

      9.99% - 23.99%* (Variable)
    • Balance Transfer

      0%
      15 billing periods
    • Average Savings

      $1,965.00 Over 1 year view details
    Show More Info
    x

    Your Average Savings

    Year One Year Two Year Three Total
    Interest Savings on Balance Transfers ? $900.00 $562.84 $450.45 $1,913.29
    * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Interest Savings on Balance for New Purchases ? $1,200.00 $750.45 $600.60 $2,551.05
    * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
    *
    One Time Bonus ? $0.00 $0.00 $0.00 $0.00
    *
    Balance Transfer Cost ? -$135.00 -$0.00 -$0.00 -$135.00
    * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
    Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
    * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
    Totals $1,965.00 $1,313.29 $1,051.05 $4,329.34
    * Credit card savings displayed are based on estimates as calculated by MyRatePlan, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

    U.S. Bank Visa® Platinum Card Summary

    • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%

    • No annual fee*

    • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum

    • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen

    • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud

    • Online account management and account alerts

    MyRatePlan's Expert Rating & Review

    U.S. Bank Visa® Platinum Card review written by and updated on .

    Expert Rating: 4.50 / 5 stars

    4.5
    Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

    User Reviews for U.S. Bank Visa® Platinum Card

    • Intro APR

      N/A
    • Regular APR

      15.99%, 19.99% or 24.99%* Variable
    • Balance Transfer

      0%
      15 Months
    • Average Savings

      $1,320.20 Over 1 year view details
    Show More Info
    x

    Your Average Savings

    Year One Year Two Year Three Total
    Interest Savings on Balance Transfers ? $900.00 $360.34 $180.45 $1,440.79
    * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Interest Savings on Balance for New Purchases ? $240.60 $240.60 $240.60 $721.80
    * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Reward Points ? $48.60 $48.60 $48.60 $145.80
    * This card offers 2 miles per $1 spent on US Airways purchases (estimated at $.02). Creditnet assumes 35% of the total purchases made with this card are on these premium purchases, with the remaining 65% receiving the standard 1 mile per $1 (estimated at $.01).
    Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
    *
    One Time Bonus ? $400.00 $0.00 $0.00 $400.00
    * Cardholders earn 40,000 bonus miles (estimated at $.01 per mile) after their first purchase, an estimated $300 value. This one-time bonus will only display in your savings calculations if the monthly purchases entered into your "My Credit Card Profile" meet this qualification.
    Companion ticket bonus ? $0.00 $198.00 $0.00 $198.00
    * This card offers up to two companion tickets every year, with redemptions starting at $99. Number of companion tickets vary based on the card you are approved for. See terms and conditions for full details.
    Balance Transfer Cost ? -$180.00 -$0.00 -$0.00 -$180.00
    * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
    Annual Fee ? -$89.00 -$89.00 -$89.00 -$267.00
    * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
    Totals $1,320.20 $758.54 $380.65 $2,459.39
    * Credit card savings displayed are based on estimates as calculated by MyRatePlan, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

    The US Airways® Premier World MasterCard® Summary

    • Earn 40,000 bonus miles after your first purchase and payment of the $89 annual fee*

    • First checked bag FREE on eligible bags for you and up to four companions on domestic US Airways operated flights

    • One companion certificate good for up to 2 guests to travel with you on a US Airways operated flight at $99 each, plus taxes and fees

    • Priority boarding Zone 2 on US Airways operated flights

    • Redeem miles for award travel on US Airways and American Airlines booked through usairways.com or US Airways Reservations

    • Earn miles on every purchase with 2 miles for every $1 you spend on US Airways and American Airlines purchases and 1 mile for every $1 on purchases everywhere else

    • NEW! Receive a 25% savings on eligible US Airways and American Airlines in-flight purchases

    • Please see terms and conditions for complete details

    MyRatePlan's Expert Rating & Review

    The US Airways Premier World MasterCard® review written by and updated on .

    Expert Rating: 4.45 / 5 stars

    4.45
    Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

    User Reviews for The US Airways Premier World MasterCard®

    • Intro APR

      n/a
    • Regular APR

      14.99% or 18.99% Variable
    • Balance Transfer

      0%
      12 Months
    • Average Savings

      $1,114.20 Over 1 year view details
    Show More Info
    x

    Your Average Savings

    Year One Year Two Year Three Total
    Interest Savings on Balance Transfers ? $900.00 $225.45 $225.45 $1,350.90
    * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Interest Savings on Balance for New Purchases ? $300.60 $300.60 $300.60 $901.80
    * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Reward Points ? $48.60 $48.60 $48.60 $145.80
    * This card rewards 2x miles on dining and travel purchases (estimated at $.02 per dollar spent). Creditnet assumes 35% of purchases made with this card are on these premium purchases, with the remaining 65% of purchases receiving the standard 1 mile per dollar ($.01).
    Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
    *
    One Time Bonus ? $0.00 $0.00 $0.00 $0.00
    * This card rewards cardholders that spend $1,000 in the first 90 days with a one-time bonus of 20,000 bonus miles, equal to $200 in travel according to Barclaycard.
    Balance Transfer Cost ? -$135.00 -$0.00 -$0.00 -$135.00
    * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
    Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
    * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
    Totals $1,114.20 $574.65 $574.65 $2,263.50
    * Credit card savings displayed are based on estimates as calculated by MyRatePlan, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

    Barclaycard Arrival™ World MasterCard® Summary

    • Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days - that's enough to redeem for a $200 travel statement credit

    • Earn 2X miles on travel and dining and 1X miles on all other purchases

    • Miles don't expire as long as your account is open, active and in good standing

    • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits

    • No foreign transaction fees on anything you buy while in another country

    • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 14.99% or 18.99%, depending on your creditworthiness.

    • Complimentary online FICO® Credit Score access for Barclaycard Arrival Cardmembers

    MyRatePlan's Expert Rating & Review

    Barclaycard Arrival™ World MasterCard® review written by and updated on .

    Expert Rating: 4.50 / 5 stars

    4.5
    • Pros:

      The Barclaycard Arrival™ World MasterCard® - Earn 1x on All Purchases offers a whopping 20,000 bonus miles after making just $1,000 in purchases in the first 3 months that you have the card - that's the equivalent of $200 off your next vacation. In addition, the card offers 2 miles for every dollar spent on travel and dining, and 1 mile for every dollar spent on any other purchase. There's no limit to the amount of miles you can earn, and the card doesn't charge a foreign transaction fee when you shop in other countries. When you redeem your miles for travel, Barclaycard will give you 10% of your miles back. The card also comes with a 0% intro APR period on balance transfers for a full year.

    • Cons:

      There aren't really any drawbacks to this card.

    • Our Final Take:

      The Barclaycard Arrival™ World MasterCard® - Earn 1x on All Purchases is one of the best airline miles credit cards with no annual fee that you can get. We highly recommend it.

    Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

    User Reviews for Barclaycard Arrival™ World MasterCard®

    How does a balance transfer credit card work?

    If your current credit card has a very high APR (annual percentage rate; the annual interest rate on an outstanding balance), then you may find that your credit card increases quickly.

    An average APR is around 15%. If you have a 15% APR and $1000 of outstanding debt, you will owe your credit card company at least $150 in interest at the end of the year. If you paid nothing and were charged no penalties or fees for late payments, you total debt would be $1150.

    You can end up accumulating a lot of extra debt because of a high APR. If you think your APR is too high - or you want some time to repay your debts without paying interest - consider a balance transfer.

    Balance transfer credit cards offer low introductory rates on balance transfers to encourage people to switch credit card services.

    You sign up for a new credit card with that company, and the balance from your old card is absorbed into the balance for your new card. You usually also get a grace period of 0% APR for your balance transfer, meaning that you will have a certain amount of time in which your transferred balance won’t collect interest. Sometimes, this can be as long as one year!

    Depending on the size of your transferred balance, you may be able to pay down your debt during the grace period. At the very least, you will likely be able to decrease the size of the debt before you’re obligated to repay interest.

    Your credit card charges you interest only on outstanding balances (basically, the amount of money that remains on your credit card from month to month), so a great way to avoid interest payments with a credit card is to pay down your balance to 0 at the end of the month.

    Consolidating your debt with balance transfers

    Balance transfers are often used to consolidate credit card debt onto one card. This can be a good or bad thing.

    A balance transfer to consolidate your debt is good if you have:

    • A 0% balance transfer fee
    • 0% APR grace period
    • Ability to repay your debt within the grace period

    If you cannot repay your debt during the grace period, you should consider other alternatives for debt consolidation. Credit cards do not offer low APRs compared to personal loans or other debt consolidation methods. Furthermore, consolidating your debt onto a different credit card may enable you to get into debt again, by clearing the balance on your old credit cards. Be careful and consider all your alternatives while dealing with debt. You can calculate how much you would save with a balance transfer using MyRatePlan's balance transfer calculator.

    0% Balance Transfer Credit Cards

    Lots of credit card companies will offer low or 0% balance transfer credit card rates to encourage new customers to choose their service. When you pick a 0% balance transfer credit card, you should be careful to consider the following points:

    • 0% APR grace period: How long is the grace period? A standard grace period lasts from 6 months to 18 months.
    • Introductory APR: There are lots of companies that will offer 0% balance transfer credit cards, so don’t pay more than you have to. Afterall, the point here is to lower your debt as much as possible.
    • The real APR: How much will the APR be after the introductory period? You don’t want to sign up for a card that will end up costing you more than your current card costs you now.
    • Transfer fees: Lots of banks will charge you a transfer fee when you sign up. Usually this is a percentage of  your balance. Most fees are capped at about 3%. However, 0% balance transfer credit cards should not charge you this fee.