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0 Percent Balance Transfer Credit Card

Here are a few credit cards that offer a 0 percent balance transfer, some for 12 months and most with no annual fee. Discover Card is even offering one for 18 months! They are offering cash back as well, but you really don't want to charge on your credit card while you have a zero balance transfer in the works because your payments will be applied to the 0 percent charges and not the purchases with the higher percentage, well not much anyway.

While you want to get a good balance transfer rate for more than 6 months if possible, assuming you will be carrying a balance beyond that, you also want your regular purchase rate to be reasonable too so when that period is over you won't have to transfer the balance again and play the transfer roulette, as I call it.

The credit cards below have both of these features. Of course the Apr's and time of special rates may vary, depending on your credit score. My absolute favorite is when the credit card company offers a special low rate until your balance is paid in full, but these days those are hard to come by. You can certainly ask, though. I've found that they don't always promote it as much as the 0 percent balance transfers because they stand to make more money from you with the latter.

The best way to go about this is to transfer to a card with no balance. If you are transferring to a card that currently has a balance, then try to pay off as much as you can first before transferring. Find out what to do and not do when taking advantage of balance transfer offers.


There's also a search table below, where you can put in any criteria you want to find the perfect card for you.

Click here for best low rate credit cards, or reward credit cards, cash back credit cards, or travel reward credit cards


Here's one with a low initial transfer rate currently 1.99%, but they have pretty good purchase rates as well, and no annual fee, so I'm going to list it here for you as another option.

Click here for a few secured credit card offers if your credit isn't so great, but not terrible either. They have decent interest rates.


Search for any kind of credit card you want:


Card Category:
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APR (Purch.):
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