cardratings.com 0% Balance Transfer for 12 Months - Discover More
0% Balance Transfer for 12 Months - Discover More
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Featured Low Introductory Rate Cards - Page 1About

Transferring balances from one card to another to take advantage of low introductory or promotional rates is a common practice among cardholders and can result in significant interest or finance charge savings. Similarly, financing purchases with low introductory or promotional purchase rates can result in significant interest savings. We are pleased to offer comparison shopping tips for low introductory rate card offers. We are also pleased to offer ratings of low ongoing rate credit cards (not introductory rates).

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Editor's Pick

discover credit card

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Discover® More® Card - Apply Online

  • 0% Intro APR* on Purchases for 6 Months
  • 5% Cashback Bonus® in popular categories like travel, home improvement stores, department stores, gas, restaurants and many more
  • 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
  • Up to 1% Cashback Bonus on all other purchases automatically
  • Unlimited cash rewards that never expire as long as you use your card
  • Increase, even double, your rewards when you redeem for gift cards from our 100 brand name Cashback Bonus Partners

Card Details: Offers a 0% introductory rate for 12 months on Balance Transfers and a 0% introductory rate for 6 months on Purchases. Regular purchase APR from 10.99% - 18.99% (your actual rate depends on your credit rating and application review). Note! This card is not designed for applicants with poor or no credit. We strongly recommend that you know what your credit score is before applying for any card or loan offer (click here for free credit score offers). Offered by Discover® Bank.

* View Discover® Card Rates, Fees, Rewards and Other Important Information.

Intro APR
Period
Transfer Fee
Credit Needed
0%
Up to 12 months
10.99% - 18.99% V
Yes
3% ($10 min - $75 max)

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Editor's Pick

american express credit card

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Blue Cash® from American Express - Apply Online

  • Earn up to 5% cash back on everyday purchases - even gas
  • No Annual Fee
  • 0% Intro APR for up to 12 months on purchases
  • Earn unlimited cash back
  • Low Balance Transfer APR - 2.99% for 12 months

Card Details: Unlimited Cash Rewards on Cash Back purchases. Cash advance APR: 19.99%. With Express Approval application process, your online application will be reviewed and processed in less than two minutes. Note! This card is not designed for applicants with poor or no credit.

We strongly recommend that you know what your credit score is before applying for any card or loan offer (click here for free credit score offers). Offered by American Express.

Intro APR
Period
Transfer Fee
Credit Needed
0%
Up to 12 months
As low as 9.99% V
Yes
3% ($5 min - $99 max)

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discover open road credit card

Click here to apply now

  • Earn rewards wherever you go*
  • 5% Cashback Bonus® on gas and auto maintenance purchases
  • Double Cashback Bonus on grocery store purchases in November and December*
  • 5%-20% Cashback Bonus at top retailers such as CircuitCity.com, LandsEnd.com and Barnes & Noble.com through our exclusive online shopping site, ShopDiscover
  • Unlimited cash rewards

Important Offer Notes: Offers a 0% introductory rate for 12 months on Balance Transfers and a 0% introductory rate for 6 months on Purchases. Earn a full 5% Cashback Bonus on your first $100 in combined gas and auto maintenance purchases each billing period - up $1,200 annually. This offer is available to online applicants. Purchase APR is based on your credit rating and application review. We strongly suggest that you know what your 3 credit scores are prior to applying for any type of credit - click here for our free credit score offers.

* View Discover® Card Rates, Fees, Rewards and Other Important Information.

Intro APR
Period
Transfer Fee
Credit Needed
0%
Up to 12 months
10.99% - 18.99% V
Yes
3% ($10 min - $75 max)

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Editor's Pick

citi dividend platinum select

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Citi® CashReturnsSM Card - Apply Online

  • Earn up to 6% Cash Back on purchases; a full 1% cash back on every purchase PLUS an average 5% additional cash back at 400 leading retailers within the Citi Bonus Cash Center
  • Earn a 20% bonus on the cash back earned on all purchases for the first 12 months
  • Checks will be sent automatically every time you earn $50 no calling necessary
  • 0% APR* on balance transfers for up to 12 months
  • No annual fee

Card Details: No annual fee. Cash Advance APR is 19.99%. Foreign purchase transaction fee is 3%. Issued by Citi.

Intro APR
Period
Transfer Fee
Credit Needed
0%
Up to 12 months
9.99%-17.99% V
Yes
3% ($5 mininimum)

5 star rating?

Editor's Pick

blue from american express

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Blue from American Express® - Apply Online*

  • 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

Card Details: Express Pay is built into the card. Checking out is a breeze with the built-in ExpressPay feature, a payment technology that lets you make purchases without having to swipe your Blue from American Express Card. With the Express Approval application process, your online application will be reviewed and processed in less than two minutes. Cash advance APR: 19.99%. Note! This card is not designed for applicants with poor or no credit.

We strongly recommend that you know what your credit score is before applying for any card or loan offer (click here for free credit score offers). Offered by American Express.

* This offer is available to online applicants.

Intro APR
Period
Transfer Fee
Credit Needed
0%
Up to 12 months
As low as 8.99% V
Yes
3% ($5 min - $99 max)

5 star rating?

Editor's Pick

citi platinum select credit card

Click here to apply now

Citi® Platinum Select® MasterCard®- Apply Online

  • 0% APR* on balance transfers and purchases for up to 12 months
  • No annual fee
  • Citi Identity Theft Solutions
  • $0 Liability on unauthorized purchases
  • Secure, free online account management

Card Details: 8.49% - 16.49% variable APR on purchases and balance transfers after the introductory period. Please note that a transfer fee of 3% applies with a minimum fee of $5 and that there is no maximum transfer fee (i.e. no cap). Note! This card is not designed for applicants with poor or no credit. We strongly recommend that you know what your credit score is before applying for any card or loan offer (click here for free credit score offers). Offered by Citi, NA.

** See terms & conditions for complete details.

Intro APR
Period
Transfer Fee
Credit Needed
0%
Up to 12 months
8.49% - 16.49% V
Yes
3% ($5 minimum)

5 star rating?

Editor's Pick

Chase Platinum Visa Card

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Chase Platinum Visa® Card - Apply Online*

  • 0% APR* for up to 12 months purchases and balance transfers
  • No Annual Fee
  • Free Online Account Access
  • Redeem for Travel, Cash, Merchandise or Gift Certificates/Cards

Card Details: The standard purchase and balance transfer APR applies following the intro. period (Prime Rate + 5.99%-14.99% spread) - your actual rate depends on your credit rating and application review. Note! This card is not designed for applicants with poor or no credit. We strongly recommend that you know what your credit score is before applying for any card or loan offer (click here for free credit score offers). Offered by J.P. Morgan Chase & Co.

* This offer is available to online applicants.

** The time period for the introductory APR and the balances to which it will apply will be based on a review of your application and credit history. See terms & conditions for complete details.

Intro APR
Period
Transfer Fee
Credit Needed
0%
Up to 12 months
10.99% - 19.99% V
Yes
3% ($5 min - $99 max)

5 star rating?

Editor's Pick

discover motiva credit card

Click here to apply now

Discover® Motiva Card - Apply Online

  • Offers a 3.9% introductory rate for 12 months on Balance Transfers and a 3.9% introductory rate for 6 months on Purchases
  • Earn a Pay-On-Time Bonus® twice a year every year when you pay on time each month
  • 5% -20% Cashback Bonus at top retailers through our exclusive online shopping site
  • Double Cashback Bonus on grocery store purchases in November and December*
  • Unlimited cash rewards
  • Increase, even double, your rewards when you redeem for gift cards from our 100 brand name Cashback Bonus Partners

Card Details: Offers a 3.9% introductory rate for 12 months on Balance Transfers and a 3.9% introductory rate for 6 months on Purchases. Variable purchase APR of 10.99% - 18.99% (your rate will depend on your credit rating and application review). Note! This card is not designed for applicants with poor or no credit. Offered by Discover® Bank.

We strongly recommend that you know what your credit score is before applying for any card or loan offer (click here for free credit score offers).

* View Discover® Card Rates, Fees, Rewards and Other Important Information.

Intro APR
Period
Transfer Fee
Credit Needed
3.9%
Up to 12 months
10.99% - 18.99% V
Yes
3% ($10 min - $75 max)

5 star rating?

Editor's Pick

advanta customizable credit card

Click here to apply now

Customizable Advanta BusinessCard with Unlimited Rewards® - Apply Online

The customizable business card that can feature your logo, your picture, and your business name, PLUS:

  • 0% APR for 15 months on Balance Transfers, 7.99% Fixed APR thereafter *
  • 7.99% Variable APR (based on Prime) on Purchases
  • New Unlimited Rewards* - Earn cash back, travel, merchandise and more
  • No Annual Fee and No Limit on Earnings
  • Get employee cards with no fee and set monthly spending limits per user
  • $0 Fraud Liability
  • Personalized card -- your company name on the card, plus logo or other image
    * see terms & conditions for important information, benefits and limitations

Card Details: This offer is available to online applicants. Note! The balance transfer fee is 3% ($5 minimum to $90 maximum with this online introductory offer). This card is not designed for applicants with poor or no credit. * See Terms & Conditions for important information, benefits and limitations. Issued by Advanta Bank Corp. We strongly recommend that you know what your credit score is before applying online for any card or loan offer (click here for free credit score offers).

Intro APR
Period
Transfer Fee
Credit Needed
0% BT
15 months
7.99% V
Yes
Yes

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