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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    Your Average Savings

    Year One Year Two Year Three Total
    Interest Savings on Balance Transfers ? $900.00 $489.52 $405.45 $1,794.97
    * 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 $650.50 $540.60 $2,391.10
    * 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 ? $86.40 $86.40 $86.40 $259.20
    * This card offers 5% cash back ($.05) on up to $1,500 spent in rotating categories that change each quarter. We assume cardholders spend 35% of their total purchase balance on these 5% cash back options. We then assume that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance.
    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 $2,051.40 $1,226.42 $1,032.45 $4,310.27
    * 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.

    Discover it® Summary

    • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.

    • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.

    • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.

    • Free FICO® Credit Score online and on monthly statements*.

    • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*

    • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.

    • 100% U.S.- based customer service—anytime, day and night.

    • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

    MyRatePlan's Expert Rating & Review

    Discover it® review written by and updated on .

    Expert Rating: 4.90 / 5 stars

    4.9
    • Pros:

      This card does not charge most fees that other cards charge which include: foreign transaction fees, late fees on the first late payment, and annual fee. In addition, Discover will not increase the cardholders APR if they pay late. The card also offers a great cash back bonus program with 5% cash back in rotating categories, as well as 1% cash back on all other purchases. Lastly, the introductory 0% APR period on both purchases and balance transfers is generous.

    • Cons:

      None

    • Our Final Take:

      The Discover it Card is one of the best credit cards available, and one of the highest rated cards at MyRatePlan. You'd be hard-pressed to find another comparable cash back credit card for people with good credit or better.

    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 Discover it®

    • Intro APR

      0%
      6 months
    • Regular APR

      10.99% - 22.99% Variable*
    • Balance Transfer

      0%
      18 months
    • Average Savings

      $1,721.70 Over 1 year view details
    Show More Info
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    Your Average Savings

    Year One Year Two Year Three Total
    Interest Savings on Balance Transfers ? $900.00 $652.73 $405.45 $1,958.18
    * 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 ? $870.30 $540.60 $540.60 $1,951.50
    * 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 ? $86.40 $86.40 $86.40 $259.20
    * This card offers 5% cash back ($.05) on up to $1,500 spent in rotating categories that change each quarter. Creditnet assumes cardholders spend 35% of their total purchase balance on these 5% cash back options. Creditnet then assumes that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance.
    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 $1,721.70 $1,279.73 $1,032.45 $4,033.88
    * 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.

    Discover it® - 18 Month Balance Transfer Summary

    • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.

    • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.

    • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.

    • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.

    • Free FICO® Credit Score online and on monthly statements*.

    • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee*.

    • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.

    • *+See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

    MyRatePlan's Expert Rating & Review

    Discover it® - 18 Month Balance Transfer review written by and updated on .

    Expert Rating: 4.80 / 5 stars

    4.8
    • Pros:

      The 0% introductory APR period on balance transfers is one of the longest you can find on any card on the market. This card also does not charge most fees that other cards charge which include: foreign transaction fees, late fees on the first late payment, and annual fee. In addition, Discover will not increase the cardholders APR if they pay late. The card also offers a great cash back bonus program with 5% cash back in rotating categories, as well as 1% cash back on all other purchases.

    • Cons:

      We can't find any.

    • Our Final Take:

      The Discover it Card is one of the best balance transfer credit cards available. In addition, it'd be tough to find another cash back credit card for people with good credit or better with as long of a 0% introductory APR period on balance transfers.

    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 Discover it® - 18 Month Balance Transfer

    • 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

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    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.