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

  • Fixed purchase APR from 10.99% - 18.99%
  • 5% Cashback Bonus ®* in categories that change four times a year
  • 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
  • 0% introductory rate for 12 months on Balance Transfers and 6 months on Purchases
  • No Annual Fee
  • Increase, even double, your rewards when you redeem for gift cards or instant eCertificates from our 80 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% Fixed
Yes
3% ($10 min - $75 max)

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discover motiva credit card

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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
  • Variable purchase APR from 10.99% - 18.99%
  • Automatically get a Pay-On-Time BonusSM equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year
  • No Annual Fee
  • Increase, even double, your rewards when you redeem for gift cards or
    instant eCertificates from our 80 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)

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Editor's Pick

citi platinum select credit card

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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)

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Editor's Pick

Chase Platinum Visa Card

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Chase Platinum Visa® Card - Apply Online*

  • 0% APR* for up to 12 months
  • 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
11.24% - 20.24% V
Yes
3% ($5 min - $75 max)

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Editor's Pick

blue from american express

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Blue from American Express® - Apply Online*

  • Membership Rewards ExpressSM program
  • 0% APR for up to 15 months
  • No Annual Fee
  • Low Balance Transfer APR — 4.99% Fixed APR for the life of the balance
  • Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences

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: 20.24%. 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 15 months
10.24 - 16.24% V
Yes
3% ($5 min - $99 max)

5 star rating?

Editor's Pick

advanta customizable credit card

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Customizable Advanta BusinessCard with Rewards® - Apply Online

  • 0% APR for 15 months on Balance Transfers, 7.99% Fixed APR thereafter
  • 5.49% Variable APR on Purchases
  • Choice of up to 5% Cash Back or Travel Rewards
  • No Annual Fee and No Limit on Earnings
  • $0 Fraud Liability
  • No Tax ID required for application
  • This card is primarily intended for home and small businesses, but does not require a business tax identification number to apply (you can apply with your social security number)

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. 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
5.49% V
Yes
Yes

5 star rating?

Editor's Pick

citi professional cash credit card

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Citi® Professional SM Cash Card - Apply Online

  • 0% APR on purchases for first 12 months
  • Earn 3% cash back on purchases made at restaurants, gas stations, certain office supply merchants, and for auto rentals. Plus, earn 1% cash back on all other purchases.**
  • Online Expense Organizer - create customized reports for client billing, tax purposes, or reimbursement
  • No annual fee and no redemption fees
  • Quarterly and Annual account summaries and categorized statements at no additional cost.
  • 24/7 Personal Business Assistant helps arrange business dining, travel, entertainment and outings

Card Details: Note! This card is not designed for applicants with poor or no credit. Issued by Citi USA, N.A.

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).

Intro APR
Period
Transfer Fee
Credit Needed
0%
12 months
9.99% V
Yes
3% ($5 min )*

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