Please note that this page devoted to the ratings of 0% teaser rate credit cards is outdated and maintained for archival purposes only. However, consumer comments below are still relevant and new consumer reviews (by folks like you) are still encouraged. You can view our current 0% introductory offers here.
Welcome to our site! Our editors have been covering the credit and debit card space for a total of 30+ years and we are proud to have been featured by the Wall Street Journal, CNN, etc.
Unlike almost all card comparison sites that only list cards that advertise with them, 95% of the cards on our site don’t pay us a dime. This site is powered by consumers like you!
If you are looking for a break from high interest rates (fees and finance charges) on your current cards by taking advantage of the longest transfer 0% APR up to 21 months, you will find 0% card offers listed below or on our partner site.
The best 0% teaser rate offers only last for a limited time, which is typically from 6-21 months, and are also called low introductory rate or low intro rate offers. They usually also have a fee associated with them called a balance transfer fee that is charged on the front end (much like a front loaded fee on a mutual fund) and is typically around 3% of the amount transferred, but can be as high as 5%+. There are a few rare 0% offers that have no fee.
Please note that some of these offers also feature a 0% APR rate on purchases that applies to new purchases. There is not typically be a fee involved on 0% purchase rate offers (the fees apply to balance transfers). The best offers have a 0% rate on purchases AND balance transfers.
Chase Slate and Citi Simplicity: 0% Rating
These are two well worth considering for balance transfers. Chase Slate* offers 0% APR for 15 months on both purchases and balance transfers, and transfers are done with no balance transfer fee, making it a rare offer among the nationally issued cards. The Citi® Simplicity® Card* offers 0% APR for even longer at 21 months, but does come with an industry standard 3% balance transfer fee.
What to Look For: When trying to reduce the interest you are currently paying for, the key things to look for are: how long the low rate will last, how much does it cost to transfer the balance or balances and whether you already have a card from that issuer. Usually, balance transfer introductory offers are only offered to new cardholders. If you already carry a card from that card issuer, they may not be interested in approving the card to transfer balances.
Compare Your Options
- Chase Slate®: 0% for 15 months for purchases and balance transfers with no balance transfer fee; transfers must be started in the first 60 days of account opening; no annual fee; free access to monthly FICO score
- Discover it® Cashback Match™ 0% for 14 months on purchases and balance transfers; double cash back the first year for new cardholders; no annual fee; free monthly FICO score
- Wells Fargo Platinum Visa® Credit Card 0% for 15 months on purchases and balance transfers; up to $600 cell phone protection; free FICO score; no annual fee
- Citi Simplicity® Card – No Late Fees Ever: 0% for 21 on purchases and balance transfers; balance transfer fee of 3% or $5, whichever is greater; no annual fee
NOTE: Be aware that all credit card review sites are not created equal! Click here to see why we believe we are the most objective in the field. Also, many financial experts are predicting multiple rate increases in 2017 from the Feds. With the potential for higher rates, now is a good time to lock in a 0% interest rate and begin paying down your credit card debt.
Discover
Discover offers two products that are great for balance transfers, the Discover it* card which offers 0% on balance transfers for 18 months and 6 months for purchases. Their Discover it Cashback Match* card offers 0% for both balance transfers and purchases for 14 months.
Wells Fargo Platinum Visa: 0% Teaser for 15 months
Wells Fargo also offers a 15 month 0% offer for both balance transfers and purchases.
SunTrust
SunTrust offers two cards with a dual 15 month 0% offer as well for both balance transfers and purchases with their SunTrust Cash Rewards MasterCard and their Travel Rewards MasterCard.
Santander Sphere® Signature Card
Although this has a bit higher fee for balance transfers at 4%, we feel it is definitely worth mentioning as it is currently running the longest low introductory rate offer at 0% APR for 24 months. Although the balance transfer fee is a bit higher than others, having an additional 3 months at 0% may more than makeup for the difference in the upfront fee cost. After all, you can pay off quite a bit of debt in three months.
Other Offers to Consider
Some other offers to consider include the following:
U.S. Bank Visa Platinum Card: 12 months 0% for Balance Transfers and Purchases; 3% Balance Transfer Fee
PNC Points by PNC Bank: 12 months 0% for Balance Transfers and Purchases; 3% Balance Transfer Fee
BankAmericard Cash RewardsTM Credit Card*: 12 months 0% for Balance Transfers and Purchases; 3% Balance Transfer Fee
Alliant Credit Union Visa Platinum Card: 12 months 0% for Balance Transfers; 0% Balance Transfer Fee
Capital One® QuickSilverONE® Rewards*: 9 months 0% for Balance Transfers and Purchases; 0% Balance Transfer Fee; $39.00 Annual Fee
Capital One® QuickSilver® Rewards*: 9 months 0% for Balance Transfers and Purchases; 3% Balance Transfer Fee
Amex EveryDay® Credit Card*: 12 months 0% for Balance Transfers and Purchases; 3% Balance Transfer Fee
Elements Financial Platinum Visa Credit Card: 6 months 0% for Balance Transfers and Purchases; 3% Balance Transfer Fee
Elements Financial Cash Rewards Visa Credit Card: 6 months 0% for Balance Transfers and Purchases; 3% Balance Transfer Fee
Elements Financial Signature Rewards Visa Credit Card: 6 months 0% for Balance Transfers and Purchases; 3% Balance Transfer Fee
Compare Your Options
- Chase Slate®: 0% for 15 months for purchases and balance transfers with no balance transfer fee; transfers must be started in the first 60 days of account opening; no annual fee; free access to monthly FICO score
- Discover it® Cashback Match™ 0% for 14 months on purchases and balance transfers; double cash back the first year for new cardholders; no annual fee; free monthly FICO score
- Wells Fargo Platinum Visa® Credit Card 0% for 15 months on purchases and balance transfers; up to $600 cell phone protection; free FICO score; no annual fee
- Citi Simplicity® Card – No Late Fees Ever: 0% for 21 on purchases and balance transfers; balance transfer fee of 3% or $5, whichever is greater; no annual fee
Local and Regional Offers
TruWest Credit Union Visa Platinum: 18 months 0% for Balance Transfers and Purchases; 3% Balance Transfer Fee
TruWest Credit Union Platinum Points Visa Rewards Credit Card: 18 months 0% for Balance Transfers and Purchases; 3% Balance Transfer Fee
TruWest Credit Union Visa Signature Card: 18 months 0% for Balance Transfers and Purchases; 3% Balance Transfer Fee
Arkansas Federal Credit Union Diamond Preferred Rewards Visa: 6 months 0% for Balance Transfers and Purchases; 0% Balance Transfer Fee
Arkansas Federal Credit Union Platinum Classic Visa: 6 months 0% for Balance Transfers and Purchases; 0% Balance Transfer Fee
First Tennessee Platinum Premier Visa: 12 months 0% for Balance Transfers and Purchases; 4% Balance Transfer Fee
First Tennessee Visa Signature: 12 months 0% for Balance Transfers and Purchases; 4% Balance Transfer Fee
First Tennessee Visa Classic: 12 months 0% for Balance Transfers and Purchases; 4% Balance Transfer Fee
OTHER RESOURCES
When reviewing these cards, we do our best to put ourselves in your shoes. We choose cards based on such things as (lack of) fees, finance charges and ease of use. In other words, if we wouldn’t use these cards ourselves, we wouldn’t recommend them!
* NOTE: About 10% of the credit card offers that appear in this article are from credit card companies from which we receive financial compensation (these cards are listed as such on our site). They are noted above with an asterisk. We are proud that the majority of cards that we list (about 90%) are cards that don’t advertise with us―- almost all of our competitors ONLY list cards that advertise with them.
The bottom line is that we don’t know of another site that prominently lists as many non-advertiser cards! Please note that rates are current as of the publishing date of this article and should be verified prior to applying.
Check up on your report
This is why credit scores play such a critical role in small business finance. Before they will make a funding decision, lenders will assess the ability of the borrower to repay debt. With startup ventures, there is often little else to go on, other than the entrepreneur’s personal financial history. Thus, an individual’s credit score plays a major role in a bank underwriter’s decision to approve a small business financing request.
study published this week by LendingTree looked at loan terms offered to more than one million LendingTree users during 2017. It found that: