Editor's take: Due to the Chase Slate's 15 month intro 0 % APR
period on balance transfers and purchases, this card is a good pick for people looking to pay down their debt or make a large purchase.
This means you'll save some money on the interest you'll pay back against your borrowing; making balance transfers a preferred way for many borrowers to axe interest and pay off outstanding debt, as many credit card companies offer an interest free
period on balance transfers to new customers.
The Discover it ® - 18 Month Balance Transfer Offer combines a lengthy 0 %
period on balance transfers with 5 % cash - back rewards on rotating bonus categories (on up to $ 1,500 in spending per quarter) and 1 % back on all other spending.
The Chase Slate ® has a 15 month 0 % intro APR
period on balance transfers and purchases.
The Discover it ® - 18 Month Balance Transfer Offer combines a lengthy 0 %
period on balance transfers with 5 % cash - bac has generous rewards and a lengthy interest - free period for balance transfers, although not as much for new purchases.
However, if the introductory
period on a balance transfer credit card is 12 to 18 months, it could make sense to do so.
Banks sometimes offer 0 % interest
periods on balance transfers, which could make repaying even less expensive.
So is the fact that there is no annual fee and there is an introductory 0 % interest rate
period on balance transfers.
The Citi ® Diamond Preferred ® Card come with one of the longest zero APR
periods on balance transfers we've found.
Many balance transfer cards offer longer promotional APR
periods on both balance transfers and purchases.
If you need to make a large purchase, consider getting a 0 % intro APR card, such as the Discover it ® — Cashback Match ™ (it's also good for everyday spending as it is a straight and honest cashback card that gives you live money), and if you have some debt, you can transfer it to a credit card with an intro
period on balance transfers, like the Discover it ® — 18 Month Balance Transfer Offer.
It offers the same six month 0 %
period on balance transfers, giving you a short - term break from interest which you should use to clear the card, if you can.
If I do a balance transfer to a 0 % interest credit card, I could save hundreds of dollars on interest through the end of the 0 % interest rate
period on the balance transfer.
2 There is no grace
period on balance transfers; a finance charge (based on the account's current Annual Percentage Rate) will be imposed from the date the transfer is posted to your credit card account.
The Wells Fargo Visa Signature card offers a long introductory
period on balance transfers and new purchases, as well as a good travel rewards program with a generous redemption bonus on travel rewards.
Many of the top credit cards available today offer 0 % for an introductory
period on balance transfers or purchases — or, in some cases, both.
While the Bank of America Cash Rewards card's regular APR is fairly low, its 0 - percent introductory
period on balance transfers and new purchases is relatively short.
The PenFed Pathfinder Rewards card's introductory
period on balance transfers is relatively short, though it's worth keeping as a travel rewards card if you can pay off your balance in 12 months.
The Blue Cash Preferred card offers a fairly low interest rate and a 12 - month 0 - percent introductory
period on balance transfers and new purchases, though cardholders may find the annual fee too pricey.
If are interested in transferring a balance, but don't want to pay it off in 12 months, there are cards available that offer longer introductory
periods on balance transfers.
The Discover it Miles card offers a fairly long 14 - month 0 - percent introductory
period on balance transfers and new purchases and serves as a good no - annual - fee travel card in the long run, awarding you 1.5 miles on every purchase.
The Wells Fargo Visa Signature card offers a long introductory
period on balance transfers and new purchases, as well as a good travel rewards program with a generous redemption bonus on travel rewards.
The Citi ThankYou Preferred card offers a fairly long 15 - month introductory
period on balance transfers, plus a pretty good points - based rewards program once your balance is paid off.
* One of the best balance transfer cards around, the Citi Diamond Preferred card features the lengthiest 0 % intro APR
period on balance transfers of the credit cards above — 21 months — as well as a $ 0 annual fee and premium benefits.
Although it is possible to get interest - free
periods on both balance transfers and purchases, the offers aren't as common as they used to be.
The Citi Double Cash card also offers an introductory APR
period on balance transfers for the first 18 months, as long as the transfer is made within four months of account opening.
There is no grace
period on balance transfers.
Another neat feature of the card is the introductory
period on balance transfers and balance transfers are free.
The attractive feature these cards offer is the 0 % introductory A.P.R.
period on all balance transfers.
Balance transfer credit cards are effective because they offer a 0 % introductory
period on your balance transfers.
This card has a 0 % introductory
period on all balance transfers and purchases for up to 15 months.
If you apply for the card through NerdWallet, you're eligible for a different offer — a long 0 % APR
period on balance transfers.
Why We Like It: The Discover it ® - 18 Month Balance Transfer Offer features a full year - and - a-half 0 percent interest
period on balance transfers (six months on purchases) and, unlike most cards focused on a 0 percent period, it also offers an enticing rewards program.
There is no interest free grace
period on Balance Transfers or Cash Advances.
this card is ideal if you are looking for a long intro
period on balance transfers, as you can enjoy a long 18 month interest free
period on balance transfers.
The attractive feature that these cards offer is the 0 % introductory A.P.R.
period on all balance transfers.
Ultra-long 0 %
period on balance transfers.
Citi ® Diamond Preferred ® Card — 21 Month Balance Transfer Offer — This gem offers an ultra-long 0 %
period on balance transfers, with a $ 0 annual fee and a few perks, too.
With a low regular APR and a long 0 percent introductory
period on balance transfers and new purchases, the BankAmericard credit card can save you a considerable amount on interest.
Perhaps the biggest difference is that the Mastercard ® Black Card ™ offers an introductory zero interest
period on balance transfers made within the first 45 days of account opening for the first 15 billing cycles, making the Mastercard ® Black Card ™ perhaps a better option if you need to transfer a balance and pay it off over time interest - free.
Offering 1 % cash back on every purchase and an additional 1 % when you pay them off, the Citi ® Double Cash Card — 18 month BT offer provides easy rewards to go with its lengthy interest - free
period on balance transfers and $ 0 annual fee.
The Discover it ® - 18 Month Balance Transfer Offer combines a lengthy 0 %
period on balance transfers with 5 % cash - back rewards on rotating bonus categories (on up to $ 1,500 in spending per quarter) and 1 % back on all other spending.
Not exact matches
Introductory offer tends to include 0 % APR
on balance transfers for an extended
period of time.
The Capital One Quicksilver Cash Rewards Credit Card has the shortest intro
balance transfer period of any of the cards
on this list.
A
balance transfer credit card typically comes with a zero percent interest rate for a
period of six to 24 months, depending
on your credit.
This card come with an 18 month 0 % APR
period on purchases and
balance transfers — which is among the longest 0 %
periods we've seen.
After the 0 % APR
period ends, you will be charged 14.49 % - 24.49 % Variable APR
on purchases and
balance transfers.
0 % APR Intro
Period — Pay no interest
on purchases and
balance transfers for 12 billing cycles after opening a new account.
Many of the card offers you will see from the different card companies will come with an introductory APR offer, usually 0 %
on either
balance transfers or purchases for a
period of a few months to sometimes over a year.
After the introductory
periods end, a variable APR of 16.49 % -25.24 % applies
on balance transfers and purchases, and there will be a fee of either $ 5 or 5 % of the amount of each
transfer, whichever is greater.