Credit Cards with 0% APR on Balance Transfers and Purchases for an Introductory Period
Before completing any credit card application, read or ask a company representative about the terms and conditions of the introductory offer, as all vary to some degree.
It is important to realize the consequences of making a late payment or exceeding the credit card limit. In most cases
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The introductory 0 APR will end and the horrendous default APR's will be applied.
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There will be late and over the credit limit fees.
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Your credit score could take a hit making it more difficult to apply for other introductory offers in the future.
Take into account all fees associated with transferring a balance, including any for the card you are transferring FROM.
Your current credit card provider may be open to negotiation on the rates you currently pay, not wanting to lose a good customer.
The Prime rate used in the tables is currently 8.00%
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 |
Duration Months | Intro APR | After Intro Balance APR | After Intro Purchases APR | Cash Advance APR | Default APR | Balance Transfer Fee | Annual Fee | Grace Period | Late Fees |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Advanta | Platinum Business | B | 12 | 0% | 5.99% +Prime |
5.99% +Prime |
5.99% +Prime |
21.49% +Prime |
$0 | $0 | 20 | $15-39 |
| Amex | IN:NY | P | 6 | 0% | 3.99% +Prime |
3.99% +Prime |
14.99% +Prime |
12.99% +Prime |
$0 | $0 | 20 | $15-35 |
| Amex | IN:LA | P | 6 | 0% | 3.99% +Prime |
3.99% +Prime |
14.99% +Prime |
12.99% +Prime |
$0 | $0 | 20 | $15-35 |
| Amex | IN:Chicago | P | 6 | 0% | 3.99% +Prime |
3.99% +Prime |
14.99% +Prime |
12.99% +Prime |
$0 | $0 | 20 | $15-35 |
| Chase | Chase Platinum Visa | P | 12 | 0% | 4.74% +Prime |
4.74% +Prime |
15.99% +Prime |
23.99% +Prime |
$5-75 | $0 | 20 | $15-39 |
| Chase | Value Miles Platinum Visa | P | 12 | 0% | 5.99% +Prime |
5.99% +Prime |
14.74% +Prime |
23.99% +Prime |
$5-75 | $0 | 20 | $15-39 |
| Chase | Free Cash Rewards Platinum Visa | P | 12 | 0% | 5.99% +Prime |
5.99% +Prime |
14.74% +Prime |
23.99% +Prime |
$5-75 | $0 | 20 | $15-39 |
| Chase | Chase Perfectcard Platinum | P | 12 | 0% | 5.99% +Prime |
5.99% +Prime |
14.74% +Prime |
23.99% +Prime |
$5-75 | $0 | 20 | $15-39 |
| Chase | Sony Platinum Visa | P | 12 | 0% | 5.99% +Prime |
5.99% +Prime |
14.74% +Prime |
23.99% +Prime |
$5-75 | $0 | 20 | $15-39 |
| Chase | Chase Cashplus Rewards | P | 12 | 0% | 5.99% +Prime |
5.99% +Prime |
15.99% +Prime |
23.99% +Prime |
$5-75 | $0 | 20 | $15-39 |
| Chase | Borders & Waldenbrook Platinum Visa | P | 12 | 0% | 5.99% +Prime |
5.99% +Prime |
15.99% +Prime |
23.99% +Prime |
$5-75 | $0 | 20 | $15-39 |
| Chase | Chase Flexible Rewards Platinum | p | 12 | 0% | 5.99% +Prime |
5.99% +Prime |
15.99% +Prime |
23.99% +Prime |
$5-75 | $0 | 20 | $15-39 |
| Chase | Volkswagen Platinum Rewards Visa | P | 6 | 0% | 5.99% +Prime |
5.99% +Prime |
14.74% +Prime |
23.99% +Prime |
$5-75 | $0 | 20 | $15-39 |
| Chase | Starbucks Platinum Duetto | P | 6 | 0% | 5.99% +Prime |
5.99% +Prime |
14.74% +Prime |
23.99% +Prime |
$5-75 | $0 | 20 | $15-39 |
| Chase | Hess Platinum Visa | P | 6 | 0% | 5.99% +Prime |
5.99% +Prime |
15.99% +Prime |
23.99% +Prime |
$5-75 | $0 | 20 | $15-39 |
| Chase | Suburu Platinum Mastercard | P | 6 | 0% | 5.99% +Prime |
5.99% +Prime |
15.99% +Prime |
23.99% +Prime |
$5-75 | $0 | 20 | $15-39 |
| Chase | Universal Entertainment Flexible Mastercard | P | 6 | 0% | 5.99% +Prime |
5.99% +Prime |
15.99% +Prime |
23.99% +Prime |
$5-75 | $0 | 20 | $15-39 |
| Chase | Toys R Us Platinum Visa | P | 6 | 0% | 5.99% +Prime |
5.99% +Prime |
15.99% +Prime |
23.99% +Prime |
$5-75 | $0 | 20 | $15-39 |
| Chase | Speedway SuperAmerica Platinum Mastercard | P | 6 | 0% | 9.99% +Prime |
9.99% +Prime |
15.99% +Prime |
23.99% +Prime |
$5-75 | $0 | 20 | $15-39 |
| Chase | Marathon Platinum Mastercard | P | 6 | 0% | 9.99% +Prime |
9.99% +Prime |
15.99% +Prime |
23.99% +Prime |
$5-75 | $0 | 20 | $15-39 |
| Issuer | Card | Personal - Business |
Duration Months | Intro APR | After Intro Balance APR | After Intro Purchases APR | Cash Advance APR | Default APR | Balance Transfer Fee | Annual Fee | Grace Period | Late Fees |
| Citi | Platinum Select | P | 12 | 0% | 3.49% +Prime |
3.49% +Prime |
14.99% +Prime |
23.99% +Prime |
$5-75 | $0 | 20 | $15-39 |
| Discovery | Titanium | P | Jan 2007 | 0% | 2.99% +Prime |
2.99% +Prime |
13.99% +Prime |
10.99% +Prime |
$0 | $0 | 25 | $15-39 |
| Discovery | Miles | P | Jan 2007 | 0% | 2.99% +Prime |
2.99% +Prime |
13.99% +Prime |
10.99% +Prime |
$0 | $0 | 25 | $15-39 |
| Discovery | Platinum Wildlife | P | Jan 2007 | 0% | 2.99% +Prime |
2.99% +Prime |
13.99% +Prime |
10.99% +Prime |
$0 | $0 | 25 | $15-39 |
| Discovery | Platinum | P | Jan 2007 | 0% | 2.99% +Prime |
2.99% +Prime |
13.99% +Prime |
10.99% +Prime |
$0 | $0 | 25 | $15-39 |
| Discovery | Platinum Clear | P | Jan 2007 | 0% | 2.99% +Prime |
2.99% +Prime |
13.99% +Prime |
10.99% +Prime |
$0 | $0 | 25 | $15-39 |
| Discovery | Platinum American Flag | P | Jan 2007 | 0% | 2.99% +Prime |
2.99% +Prime |
13.99% +Prime |
10.99% +Prime |
$0 | $0 | 25 | $15-39 |
| Discovery | Platinum Gas | P | Jan 2007 | 0% | 2.99% +Prime |
2.99% +Prime |
13.99% +Prime |
10.99% +Prime |
$0 | $0 | 25 | $15-39 |
| HSBC | GM Card | P | 12 | 0% | 4.99% +Prime |
4.99% +Prime |
14.99% +Prime |
23.99% +Prime |
$5-75 | $0 | 20 | $15-39 |
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