Please note that this page devoted to the ratings of 0% teaser rate credit cards is outdated (2017) and maintained for archival purposes only.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 just started 2017 with a bit of a debt hangover and are looking for some great suggestions on where to transfer that irksome high balance on your credit card or cards, we just published our Best 0% Teaser Rate Credit Card Offers.

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 Rewards^TM 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

Our Ratings/Disclaimer:

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.

Consumer Ratings of 0% Teaser Rate Credit Cards:

Please leave your rating and/or review below to help empower other consumers!

Other Related Resources:

Expert Opinions of 0% APR Credit Cards

Please note that this page is outdated and maintained for archival purposes only. However, the overall Editor’s rating above is still updated.

Also, be sure to read consumer comments below. New consumer ratings and reviews of the CSL prepaid debit card (by folks like you) are still encouraged! You can view our current prepaid card reviews 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, including the reloadable CSL plasma Visa card.. This site is powered by consumers like you!

---

Overview:

• Activation Fee: No purchase fee
• Monthly Fee: No monthly maintenance fee
• PIN Transaction Fee: None if you enter your PIN when making a purchase
• Signature Transaction Fee: None if you choose credit when making a purchase and sign your receipt
• ATM Withdrawal Fee: $1.75 for In Network (Allpoint)- one free withdrawal per month. Get cash worldwide at ATMs with the Visa® or Cirrus® logo
• ATM Balance Inquiry Fee: None (this is a plus as many prepaid offers do charge for balance inquiries)
• ATM Out of Network Withdrawal Fee: $1.75
• Bank Teller Cash Fee: $5.00 Available at financial institutions that accept Visa cards. Limited to your current available balance only.
• Cash Load Fee (* asterisk indicates third party fees): N/A

Card Features:

• Initial Fees
• Average Monthly Fees
• Bill Pay Fees / Features
• Loading Fees / Options

Things We Like
Low fees and fast, convenient way to get paid (your earnings get loaded onto your Visa right after you donate)
Issued by a Bank of America that has a recognized brand name.

Things We Dislike
If you lose or your Visa gets stolen, a replacement will cost you $5.00
You can not load your own cash or your own money- only CSL can load or reload funds

Advertisement Notice:
Please note that we receive finanical compensation for some links on our site. We carefully screen advertisers and hope they provide value to our readers. These links are labeled “Referral Link” or “Sponsor Link”.

Also, your input is invaluable and we’d love to have your positive review or negative complaints of the CSL Plasma Prepaid Donor Payment Visa Debit Card (is it good and legit or a bad scam). Please see below to read other customer complaints – this site is powered by consumers like you!

Important Consumer Note!
No Credit/Bad Credit? Click here to build your credit score using a real credit card (not a prepaid or debit card that won’t help your credit)!

A high credit score can allow you to get a lower rate loan, lower your insurance premiums and may even help you get a job!

Full Review:

Written by Curtis Arnold

According to their website, CSL Plasma operates one of the world’s largest plasma collection networks, with more than 270 plasma collection centers in U.S., Europe and China and has over 12,000 employees.

CSL gives donors a prepaid Visa out instead of issuing a check as it’s cheaper for CSL and keeps donors from paying high check cashing fees (plasma payouts used to be made using a paper check). Also it’s more convenient thank a paper check, especially if the client or customer doesn’t have a banking relationship (i.e. is underbanked or unbanked).

They offer a few different types of prepaid products: the Prepaid Blue MasterCard, Platinum MasterCard, Veteran’s MasterCards, Red Visa and Bank of America (BofA) Visa.

Consumer Note! Want to get a prepaid Visa that you can reload (the CSL Plasma Visa is not reloadable with your own money or paycheck) with all the benefits and features of a regular bank account?

Visa and MasterCard Benefits

You can review your balance and get transaction history before swiping your card.
Sign-up for text messaging to get instant alerts regarding your balance, last payment and last transaction- you can use the BofA Prepaid mobile app
Turn your card on/off with the app

If you have transaction or fee related questions, CSL requests that you call the toll-free number on the back of your reloadable prepaid Visa – do not ask a CSL employee for card related questions.

IMPORTANT: Representatives handling reloadable prepaid cards will NEVER contact you by phone, email or text message for your card information, such as your account number or PIN (unless you initiate the call). To protect yourself please do NOT provide your card information to anyone. It is recommended that you reset your PIN periodically to ensure account security.

How to File a Complaint Against the CSL Plasma Visa Debit Card:

If you have contacted Bank of America, that issues this offer, and are unable to resolve your account issues in good faith, we strongly suggest taking the following steps:

1) Please post your account issues and problems at the bottom of this page in our cardholder comments section.

2) Notify Bank of America (ask to speak to a manager or decision maker) that you have complained in writing on BestPrepaidDebitCards.com (feel free to take a screen shot and post on social media as well), a consumer advocacy site that has been featured for years in many major national media outlets.

Also, feel free to share that your post can be shared by our site with members of the media (we will change your name to protect your privacy and will certainly not share any personal account info).

3) Consider also filing your grievance with the BBB and Consumer Financial Protection Bureau and your state’s Attorney General Office.

4) Please post any updates to your problem after taking these steps as sharing your experiences will help educate and empower other consumers! 🙂

CSL Plasma Visa Prepaid Review- Is it Legit, a Rip off or a Scam (Cardholder Complaints Below)? Prepaid Blue, Platinum, Red and Veteran’s Offers

Pros: There is no monthly maintenance fee or activation or purchase fee. Also no fees if you use your PIN number when making a purchase (some competitors charge if you make a purchase using a PIN number).

Cons: $1.75 fee for in-network ATM cash withdrawals (in comparison, many other prepaid Visas have free in network withdrawals). In our last review, there were no free ATM withdrawals.

Fortunately, now you will get one free in network withdrawal per month. However, if you make more than one ATM withdrawal per month, fees to get cash can add up quickly.

It is hard to find cardholder reviews of the CSL Plasma Visa and MasterCard debit offers so please share your bad and/or good experiences below. An expert will typically respond to your question or issue within 24 hrs. and your post will help empower other consumers! 🙂

While we do not believe it is a scam or ripoff (i.e. it is legit). The bottom line is that there are other prepaid debit cards that have better and more benefits

If you have a customer or consumer complaints or praises about the CSL reloadable offer, then please post your opinions and problems below (and read the other helpful cardholder reviews at the bottom of this page)! Comments and questions are welcome as well- an expert typically replies within 24 hours.

Written by Curtis Arnold

Author Bio: Curtis founded CardRatings.com in 1998 and helped pioneer the concept of rating credit cards. He has been a nationally recognized expert in the consumer credit field for well over 25 years and is also a noted expert in the prepaid card space. He is the author of “How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line” and co-founder of BestPrepaidDebitCards.com.

Editorial Note!:
“The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone, including this review and the reviews written by actual cardholders below.”

Consumer Reviews and Complaints of CSL Prepaid Visa:

Please leave your rating and/or review below to help empower other consumers!

2 Comments
Billy j huntJanuary 28, 2022 at 1:02 pm

I am a platinum doner at csl The card is a big scam . I get charged 1..50 whether I use the card or not . The most I got charged was 16

And the fees come out right on donation days to put your balance below what you got for donating so you can’t withdraw your money . Scam. Because of this and I tried to reach out to speak to anyone as soon as I get back to work reg i am going to stop donating sick of the card Scam.

Jennifer Hawes March 23, 2023 at 2:19 am
Yep, it doesn’t make it worth donating because your actually making less than what they pay you.

Even if you pay inside for gas, they still hold double the amount for 48 hours.