Credit Cards with 0% APR on Balance Transfers Only
A word of warning, many credit card agreements now contain a "universal
default clause" which means that APR's may increase if you fail to
make a payment to ANY CREDITOR when due.
With a card that has 0 APR on balance transfers, payments and credits will usually be allocated to pay off the balance transfer before they are used to pay off any purchases or cash advances, which off course, will be incurring interest at their respective rates. To maximize your savings try to keep balance transfers, purchases and cash advances on separate cards.
The Prime rate used in the tables is currently 8.00%. The LIBOR rate used in the tables is currently 5.11%
Rates and offers may change. The rates quoted are the best possible rates available. Your credit rating may not be good enough to get these rates.
This table was last updated on 19 June 2006.
| Issuer | Card | Personal - Business |
Balance Transfer Intro APR | Duration Months | After Intro Balance APR | Purchases APR | Cash Advance APR | Default APR | Balance Transfer Fee | Annual Fee | Grace Period | Late Fees |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Advanta | Platinum | B | 0% | 16 | 7.99% | 7.99% | 7.99% | 28.74% | $0 | $0 | 20 | $15-39 |
| Citibank | ATT&T Universal Platinum | P | 0% | 12 | 6.49% +Libor |
6.49% +Libor |
17.99% +Libor |
26.99% +Libor |
$0 | $0 | 20 | $15-39 |
| Citibank | CitiBusiness | B | 0% | 12 | 4.99% +Prime |
4.99% +Prime |
14.99% +Prime |
23.99% +Prime |
$0 | $0 | 20 | $15-39 |
| Citibank | Diamond Preferred Rewards | P | 0% | 12 | 4.99% +Prime |
4.99% +Prime |
14.99% +Prime |
23.99% +Prime |
$0 | $0 | 20 | $15-39 |
| Citibank | Dividend Platinum Select | P | 0% | 12 | 5.49% +Prime |
5.49% +Prime |
14.99% +Prime |
23.99% +Prime |
$0 | $0 | 20 | $15-39 |
| Citibank | ATT&T Universal Rewards | P | 0% | 12 | 8.49% +Libor |
8.49% +Libor |
17.99% +Libor |
26.99% +Libor |
$0 | $0 | 20 | $15-39 |
| Citibank | CitiBusiness with Thank You Network | B | 0% | 12 | 5.99% +Prime |
5.99% +Prime |
14.99% +Prime |
23.99% +Prime |
$0 | $0 | 20 | $15-39 |
| Citibank | Drivers Edge Platinum Select | p | 0% | 12 | 5.99% +Prime |
5.99% +Prime |
14.99% +Prime |
23.99% +Prime |
$0 | $0 | 20 | $15-39 |
| Citibank | Upromise | p | 0% | 12 | 5.99% +Prime |
5.99% +Prime |
14.99% +Prime |
23.99% +Prime |
$0 | $0 | 20 | $15-39 |
| Citibank | Premier Pass Elite | P | 0% | 12 | 5.99% +Prime |
5.99% +Prime |
14.99% +Prime |
23.99% +Prime |
$0 | $0 | 20 | $15-39 |
| Citibank | Premier Pass | P | 0% | 12 | 5.99% +Prime |
5.99% +Prime |
14.99% +Prime |
23.99% +Prime |
$0 | $0 | 20 | $15-39 |
| Citibank | Professional | P | 0% | 9 | 5.99% +Prime |
5.99% +Prime |
14.99% +Prime |
23.99% +Prime |
$0 | $0 | 20 | $15-39 |
| Citibank | Shell Mastercard | P | 0% | s6 | 5.99% +Prime |
5.99% +Prime |
14.99% +Prime |
23.99% +Prime |
$0 | $0 | 20 | $15-39 |
| Citibank | Home Rebate Platinum Select | P | 0% | 12 | 6.99% +Prime |
6.99% +Prime |
14.99% +Prime |
23.99% +Prime |
$0 | $0 | 20 | $15-39 |
| Citibank | CitiBusiness Premier Pass | B | 0% | 12 | 9.99% +Prime |
9.99% +Prime |
14.99% +Prime |
23.99% +PrimeSS |
$0 | $0 | 20 | $15-39 |
| Pulaski | Gold Visa | P | 0% | 6 | 9.50% | 9.50% | 9.50% | 18% | $0 | $0 | 25 | $15-35 |
| Pulaski | Visa | P | 0% | 6 | 7.99% | 7.99% | 7.99% | 18% | $0 | $35 | 25 | $29 |
| Issuer | Card | Personal - Business |
Balance Transfer Intro APR | Duration Months | After Intro Balance APR | Purchases APR | Cash Advance APR | Default APR | Balance Transfer Fee | Annual Fee | Grace Period | Late Fees |
