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0% on Purchases & Balance Transfers

4.9 4.9 - 99 reviews for top rated card

Credit cards offering 0% on balance transfers and purchases are extremely valuable when it comes to saving money on interest while paying off both existing debt and upcoming big-ticket expenses. However, there are a few things you should be aware of before applying for such a card. First of all, most 0% credit cards require above-average credit for approval, so make sure to check your credit standing before getting too deep into the application process. What’s more, you may be able to get better terms by looking separately for the best possible balance transfer credit card as well as…show more

    Citi Simplicity® Card


    citi simplicity credit card
    • 0% Purchases 18 months
    • 0% Transfers 18 months3% (min $5) Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    • Annual Fee $0*
    • Rewards Rate None
    • Minimum Credit Excellent
    • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be12.99% - 22.99% based on your creditworthiness.
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
    • No late fees - EVER.
    • No penalty rate - EVER.
    • No annual fee - EVER.
    • Save time when you call with fast, personal help, 24 hours a day.
    • See All Reviews & Details About The Citi Simplicity® Card

    Citi® Double Cash Card


    citi double cash card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    • Annual Fee $0*
    • Rewards Rate 1% - 2% cash back
    • Rewards Bonus None
    • Minimum Credit Excellent
    • The only card that earns you cash back TWICE on every purchase with:
    • 1% cash back when you buy
    • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
    • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
    • See All Reviews & Details About The Citi® Double Cash Card

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver cash rewards credit card
    • 0% Purchases until November 2015
    • 0% Transfers until November 20153% Transfer Fee
    • Regular Rate 12.9% - 22.9% (V)
    • Annual Fee None
    • Rewards Rate 1.5% cash back
    • Rewards Bonus $100
    • Minimum Credit Excellent, Good

    Chase Slate®


    chase slate
    • 0% Purchases 15 months
    • 0% Transfers 15 monthsNo Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    • Annual Fee $0
    • Rewards Rate None
    • Minimum Credit Excellent, Good
    • Chase Slate® named ‘Best Credit Card for Balance Transfers’ two years in a row, MONEY® Magazine, October 2013, 2014.
    • $0 Introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
    • 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
    • $0 Annual Fee
    • See All Reviews & Details About The Chase Slate®

    Blue Cash Everyday® Card from American Express


    american express blue
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99%-21.99%
    • Annual Fee $0
    • Rewards Rate 1% - 3% cash back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Terms and restrictions apply.
    • See All Reviews & Details About The Blue Cash Everyday® Card from American Express

    Chase Freedom®


    chase freedom credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Transfer Fee
    • Regular Rate 13.99% - 22.99% (V)
    • Annual Fee None
    • Rewards Rate 1% - 5% cash back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
    • 5% Cash Back on up to $1,500 in combined purchases between 1/1/15–3/31/15 at grocery stores (not including Walmart® and Target® purchases), movie theaters, and Starbucks® stores
    • You’ll enjoy new 5% categories every 3 months like restaurants, gas stations, and Amazon.com. It’s free and easy to activate your bonus each quarter!
    • Unlimited 1% Cash Back on all other purchases
    • See All Reviews & Details About The Chase Freedom®

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    capital one quicksilverone cash rewards credit card
    • 0% Purchases until November 2015
    • 0% Transfers until November 2015No Transfer Fee
    • Regular Rate 22.9% (V)
    • Annual Fee $39
    • Rewards Rate 1.5% cash back
    • Rewards Bonus None
    • Minimum Credit Fair, Limited History

    Blue Cash Preferred® from American Express


    american express blue cash preferred
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99%-21.99% (V)
    • Annual Fee $75
    • Rewards Rate 1% - 6% cash back
    • Rewards Bonus $150
    • Minimum Credit Excellent
    • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit
    • Terms and limitations apply.
    • See All Reviews & Details About The Blue Cash Preferred® from American Express

    U.S. Bank Visa® Platinum Credit Card


    us bank platinum credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 9.99% - 20.99% (V)
    • Annual Fee $0*
    • Rewards Rate None
    • Minimum Credit Excellent
    • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-20.99%.
    • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
    • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
    • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
    • Online account management and account alerts
    • *No annual fee.
    • The card is only available to residents in: AZ,AR,CA,CO,ID,IL,IN,IA,KS,KY,MN,MO,MT,NE,NV,ND,OH,OR,SD,TN,UT,WA,WI,WY,NM
    • See All Reviews & Details About The U.S. Bank Visa® Platinum Credit Card

    Amex EveryDaySM Credit Card from American Express


    amex everyday credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99% - 21.99% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 10,000 points
    • Minimum Credit Excellent
    • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
    • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
    • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
    • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
    • Terms and limitations apply.
    • See All Reviews & Details About The Amex EveryDaySM Credit Card from American Express

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    COMMUNITY DISCUSSION

    Ask a question or help others find the best 0% on purchases & transfers by sharing some tips.

     
    Oct 22, 2014
    By:

    --Comment from Tom Smith--

    Oct 22, 2014
    When I opened my Capital One Platinum Prestige credit card, there was promotional deal I got which offered 0% APR on purchase and balance transfers. It was fantastic having these perks, and even after the deal ended, my APR continues to be low. I make many day to day charges on this card.
    Oct 5, 2014
    By:

    --Comment from Marino Johns--

    Oct 5, 2014
    I've used the Citi Diamond Preferred Card with 0% intro APR for 18 months. One thing I would change is to extend this 0% APR longer. That would be nice.
    Jun 23, 2014
    By:

    --Comment from Jennifer Hammond-Snow--

    Jun 23, 2014
    I have a Chase Freedom card and I really like it. There is 0% interest until August 2015. I love the cash back and the different categories. I also linked it to my checking account so it is easy and simple to pay every month. It really has helped my credit score and helped me with budgeting. The only downside is that you have to sign up each quarter to get the new bonus categories. I think it should be automatic.
    May 29, 2014
    By:

    --Comment from Al Paden--

    May 29, 2014
    I actually have a Capital One Quicksilver Cash Rewards Credit Card and I love it. I use it to make purchases for items that I know I can pay, but do so because it helps me with my credit. I love the fact that it has a 0% fee on APR. For somebody like me, it works perfectly. But then again, I also pay all my bills on time anyway.
    Feb 10, 2014
    By:

    --Comment from Sophie Ogasawara-Neko--

    Feb 10, 2014
    I have been using the Kroger 1-2-3 Rewards Visa card primarily because my family and I shop at Kroger frequently, and we are able to use it to take advantage of Kroger's deals, without having a separate customer loyalty card. I really only use it to buy groceries and little else, but it's fine for that and it's a great way to keep my credit inching upward.
    Jan 28, 2014
    By:

    --Comment from Susan Clark--

    Jan 28, 2014
    I took advantage of Citi Bank's 0% introductory offer and have had a great experience with the company. I originally thought the terms included a six month introductory period, but it actually turned out to be 12 months. I was very pleased when I learned this. The card offered a small credit limit, which I preferred over some of the other companies that offer more credit than a person should have. The statements come on time and are consistent. During the introductory period, there of course, was no interest charged at all, regardless of the balance. The minimum payments also remain low during this introductory period. I recently looked into their reward program and found that it mostly offered discounts rather than free products. I was a little disappointed with that, however the benefits have been great overall.
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