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Guide to Zero Percent Balance Transfer Credit Cards

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In this section, we highlight balance transfer credit cards with 0% apr offers. While almost all credit cards offer some form of teaser rates, our criteria is that the introductory period has to be at least 12 months or billing cycles and preferably have no balance transfer fee for the introductory period..

Best Balance Transfer Credit Card?

At the moment, the credit card with the longest 0% introductory apr is the Advanta Platinum with Rewards. It comes with a 0% APR for balance transfers for 15 months. Even after the introductory period is over, the apr is very low at Prime Rate plus 0.24%.

This is actually a small business credit card. Now, you may be asking why are we recommending a business credit card. Well, the reason is that you do not need a business to apply for a small business credit card. You can apply as a "sole proprietor". At the moment, there is no personal card with a 0% balance transfer offer longer than 12 months.

Credit Cards with No Balance Transfer Fee

One of the latest developments in the credit card world is that credit card issuers are slowly pulling away their "no balance transfer fee offer" on the cards that offer 0% teaser deals. Furthermore, many cards now have no cap on the maximum balance transfer fee! Consumers who do not read the fine prints properly have found that the fees they pay wipe out any potential savings. Here are some of the policies in place at the various companies.

Bank of America - They now do not cap the balance transfer fees.
Chase - The maximum balance transfer fees on most of their cards is still $75.
Discover - Same as Chase - Maximum balance transfer fee is $75
American Express - Maximum balance transfer fee is $75.
Citicard - The most inconsistent of the lot. Some cards cap the fees, which range anywhere from $75 to $200! Some do not have any caps at all!

Credit Cards with 0% APR for 12 Billing Cycles and No Balance Transfer Fee (It used to be a very long list!)

Cards	0% apr for 12 billing cycles	Ongoing Rate
Citi® Professional^SM Cash Card	Balance Transfer	P+5.99%

You might also be interested in the following articles

How to choose a 0% Apr Credit Card for Balance Transfers
Choosing a credit card to transfer your balance or to get a 0% deal on new purchases is not simply a question of looking at the teaser rate and period. There are a few things you should be aware of when shopping for the best deal. Find out what to look for in a zero percent balance transfer credit card.

A credit card that pays you a rebate on the interest you pay on your balance?
Before you go looking for the next 0% teaser offers, check out the Money Return Visa from Bank of America. This card pays you 10% cash rebates on the amount of interest you have paid in a year!. Read our review and see if this card suits you.

How the 2-cycle average daily balance method affects your finance charges?
Find out how the various methods of computing monthly balances can affect your finance charges. Depending on your spending habits or whether you are in the process of reducing your credit card debt, understanding this will help you choose the right credit card.

What is your real effective interest rate on your credit card?
Most do not realize that the apr is not the true interest rate you are paying on your loans or credit card balances. The real effective rate depends on whether one's credit card uses the "monthly periodic rate" or the "daily periodic rate" to calculate finance charges. Find out how this work.

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