Top 0% APR balance transfer offers 2012.
6, 12,15, 18 months interest free balance transfer
credit cards.


Top 0% balance transfer credi cards are issued by leading credit card providers. The following list include 6, 12, 15 and 18 months interest free balance transfer deals with no annual fee, excellent rwards. If you are paying high rate on your current credit card, you can save hundred of dollars by transferring your balance to another card with 0% introductory APR. The best interest free balance transfer deals are offering no balance transfer fee. Cards with no balance transfer are very rare and often issued for limited time or as a promotional offers. Choose the best balance transfer offer for you and apply via secure online application.

Top 0% balance transfer offers

Discover® More Card - 18 Month Promotional Balance Transfer
by Discover
Discover Promotional balance transfer Disocver More review
  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S. based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alerts
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 6 months 10.99% - 20.99% Variable* 0% for 18 months Cash back $0 Good - Excellent

Slate® from Chase - No Balance Transfer Fee
by Chase
Chase Slate review
  • No Balance Transfer Fee!*
  • 0% Intro APR for 15 months on purchases and balance transfers
  • Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
  • After the first 30 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5
  • Avoid interest on everyday purchases
  • Pay down your balance faster
  • Zero liability on unauthorized purchases*
  • No Annual Fee*

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for up to 15 months 11.99% - 21.99% variable 0% for up to 15 months - $0 Excellent - Good

Best 15 months interest free balance transfer offers

Chase Freedom® Visa
by Chase
Chase Freedom review
  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 15 months on purchases and balance transfers
  • 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 15 months 12.99% – 22.99% 0% for 15 months Cash back $0 Excellent- Good

Discover® More Card
by Discover
Discover More Discover More review
  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
  • Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 15 months 10.99% - 20.99% Variable* 0% for 15 months Cash back $0 Excellent

Discover® Open Road Card
by Discover
  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 19.99%*
  • 2% automatically at gas stations and restaurants all year long*
  • Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
  • Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S. based Account Manager within 60 seconds
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 15 months 10.99% - 19.99% Variable 0% for 15 months Cash back $0 Excellent

Best 12 months interest free balance transfer credit cards

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 12 months 12.99% - 22.99% (Variable) 0% for 12 months Point $0 Good

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 12 months 12.99% - 22.99%* (Variable) 0% for 12 months Cash back $0 Excellent

Top 0% APR for 18 months credit cards

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 18 months 11.99% - 21.99%* (Variable) 0% for 18 months - $0 Excellent

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 18 months 12.99% - 21.99% Variable 0% for 18 months - $0 Excellent

0% APR balance transfer deals with miles rewards

Miles by Discover® Card
by Discover
DiscoverMiles Discover Miles review
  • Earn 10,000 Bonus Miles with every $2,000 in purchases within the first 6 months – up to 20,000 Bonus Miles
  • 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
  • 0% intro APR on balance transfers for 12 months, then the variable purchase APR of 10.99% - 15.99%*
  • No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
  • Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
  • Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
N/A 10.99%-15.99% (V)* 0% for 12 months Miles $0 Excellent

Escape by Discover® Card
by Discover
DiscoverEscape Discover Escapre review
  • Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
  • Double Miles on every $1 you spend
  • 0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
  • No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
  • Flexible redemption options like travel credits, merchandise, gift cards or cash
  • Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
  • Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
  • *Click apply to view rates, fees, rewards, limitations and other important information

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 6 months 10.99% - 16.99% Variable 0% for 6 months Miles $60 Excellent





The article was updated on 4/12/2012. Some information may have changed since that date. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies credit card applications.

Best Credit Cards Online has financial relationships with some of the cards mentioned here, and Best Credit Cards Online may be compensated if consumers choose to apply for these links in the content, and ultimately sign up for them. We are not compensated for the positive reviews.


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* See credit card applications for details about terms and conditions of offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button you can review the credit card terms and conditions on the credit card issuer's web site.

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