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0% APR Balance Transfer Credit Cards: Pay 0% For 12 Months
The following credit cards offer a 0% APR for 12 months on balances transfers. Due to a variety of factors, including the current state of the economy, 0% balance transfer offers with no fee transfers unfortunately are few and far between. There are still a few out there which can be found in our no fee balance transfer credit card section, but those with no fees & 0% terms are limited to Capital One® offers.
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- Earn more cash in more ways than anyone else(SM*)
- Unlimited cash rewards, automatically.
- Up to 20% Cashback Bonus® when you shop online*
- Double rewards with more than 100 Cashback Bonus Partners*
- Customer Service in less than a minute, anytime you want.
- 0% Intro APR for 12 months on Purchases and Balance Transfers.
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| Intro APR |
Intro Period |
Regular APR |
Annual Fee |
Balance Transfer |
Credit Type |
| 0% |
12 Months* |
10.99% |
$0 |
Yes |
Good |
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| Blue From American Express® |
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- 0% APR on purchases for up to 12 months.
- No Annual Fee
- Low Balance Transfer APR - 2.99% for 12 Months
- Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences.
- Membership Rewards Express® program.
- Express Approval. Get a decision in less than 60 seconds.
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| Intro APR |
Intro Period |
Regular APR |
Annual Fee |
Balance Transfer |
Credit Type |
| 0% |
Up To 12 Months |
As low as 10.99% |
$0 |
Yes |
Excellent |
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| Citi® Platinum Select® Card |
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- 0% APR* on balance transfers and purchases up to 12 months
- No annual fee
- Citi® Identity Theft Solutions
- $0 Liability on unauthorized purchases
- Secure, free online account management
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| Intro APR |
Intro Period |
Regular APR |
Annual Fee |
Balance Transfer |
Credit Type |
| 0% |
up to 12 Months |
As low as 6.74% |
$0 |
Yes |
Good |
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| Discover Open Road(SM) Card |
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- 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers.
- Save at the pump and everywhere else.*
- 5% Cashback Bonus® on gas and auto maintenance purchases.
- 5% to 20% Cashback Bonus at top online retailers*
- Up to 1% Cashback Bonus on all other purchases. Unlimited cash rewards.
- Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners.
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| Intro APR |
Intro Period |
Regular APR |
Annual Fee |
Balance Transfer |
Credit Type |
| 0% |
6/12 Months* |
10.99% |
$0 |
Yes |
Good |
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0% APR For 12 Month Balance Transfers vs. 0% No Fee Offers:
Recently, no fee balance transfer credit cards with 0% interest free terms for 12 months have almost completely disappeared. The only current offers in this category are Capital One balance transfer credit cards. Because of this, it is important to determine which is more beneficial, a no fee balance transfer credit card from Capital One®, or a 0% balance transfer credit card from a different issuer. In most cases, the best way to save money is to transfer balances to no fee 0% cards. However, there are a few cases when selecting a card with a balance transfer fee may make sense.
Possible Scenarios:
- If you already have a credit card from Capital One: We have never come across an issuer that will let you transfer a balance from one of their cards to another one of their cards. Capital One is not an exception to this rule. If you are carrying a balance on a Capital One credit card and are looking to transfer that balance, you must look to another issuer. If this is your situation, we suggest that you apply for a 0% offer from a different issuer.
- If you don't think you can pay the balance off by the end of the 0% term: If you don't think that you can pay off the balance transferred by the end of the 0% term and there is an offer with a lower variable rate (that you think you will approved for based on your credit score), then you may want to consider applying for that offer. Most balance transfer fees are 3% of the amount moved to your new card, so if you think that you can qualify for a lower rate credit card, you may save money in the long run depending on how long you carry a balance.
- If you really like the rewards program associated with another offer: Rewards programs are enticing aspects of modern plastic. If a particular rewards card accepts balance transfers, but charges a fee, you have a few options. Your first option is transferring your balance to the rewards card that you have your eye on. Option two is transferring your balance to a 0% no fee balance transfer credit card AND applying for that rewards card provided that both cards are issued by different banks.
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