If a credit card holder has reasonable balance in his current card, then he would most probably be in pursuit of a new card that allows him to transfer the balance and let it be zero percent interest rate, when he is paying it off. Today, we will help you know some of the most useful cards with zero percent balance transfer and have no annual fee. So, here are the today’s top 6 cards with zero percent balance transfer interest rate that you must need to know.
This is a card that provides the cardholder the benefit of enjoying zero percent interest rate on every single balance transfer that he makes within the first 21 months of the account opening. However, there is a 3 percent fee that the cardholder will have to pay. After the first 21 months period, there will be 13.24% to 23.24% interest rate on the balance transfers. This will depend on what rate the cardholder is approved at, and that will be based on the credit history of the cardholder. Another reason to opt for this card is that this is the only available option with no annual fee, penalty APR, and late fee. In addition to that, the lowest APR that is for the first 21 months on the balance transfers and purchases makes it a decent option. When it comes to the additional benefits, then this card offers travel & emergency assistance, worldwide car rental insurance, extended warranty, $0 liability on the unauthorized charges, and 24/7 customer service, etc.
For the first 15 months of the account opening, you will get benefit from the 0% interest rate on the transferred balances. There will be a variable APR on the balance transfers that would be 13.24% – 23.24% after the first 15 months that depends on your approval rate (depending on the credit history of yours). After the first 60 days, the fee will bump up to 5%, so you should get it done as early as possible. The $0 intro balance transfer fee, 0% intro APR, and $0 annual fee make this card another good option. There is zero liability, fraud protection, and no penalty APR that gives the cardholder protection from the unexpected.
Another decent card that helps the cardholders with 0% interest rate on the balance transfers (for first 18 billing cycles). However, you have to transfer the balance within the first 60 days of opening account. Once the first 18 billing cycles are gone, the balance transfer interest rates will be anywhere around 11.24% to 21.24%, which will depend on the rate at which the cardholder was approved and the credit history as well. There are a $0 annual fee, low introductory APR and a lot of additional benefits for which one can consider this card. This card provides $0 liability guarantee, overdraft protection, mobile banking services, online shopping security, text banking, paperless statement option, account alerts, digital wallet technology, and much more.
There are the first 21 months that offers a 0% interest rate on the balance transfers that makes this card another good choice. However, there is a balance transfer fee of 3% that you should also keep in your mind. When the first 21 billing cycles are gone, the interest rate would be 12.24% – 22.24%, which will be based on the rate at which the cardholder is approved at and that depends on the cardholder’s credit history. For the first 21 months, the cardholder will also receive VIP treatment. This card provides the Citi identity theft solutions and the EMV chip technology that provides the cardholder enhanced security and global acceptance. There are the additional benefits such as travel and emergency assistance, worldwide travel accident insurance, worldwide car rental insurance, extended warranty, $0 liability on unauthorized charges, and damage & theft purchase protection, etc. that makes this card a great option to choose. The personal concierge service, automatic account alerts, and 24/7 customer service is also some perks to look at.
This is another credit card that has a 0% rate on the balance transfers for the first 15 months. But, there is also a 3% fee that the cardholder will also have to pay on the transferred balance. When it comes to the regular interest rate of purchases, then it can be 10.24%, 15.24% or 18.24% that will depend on the credit history of the cardholder. There is currently a limited time offer in which you can get the extra statement credit of $50 by purchasing something within the first three billing cycles. This offer is valid until the 5th October 2016. This card also offers zero liability, auto rental insurance, travel accident insurance, purchase protection, extended warranty, and much more exciting benefits like that.
This card offers a 0% interest rate on every single balance transfer that has been made within the first 18 months of the card opening. When the first 18 months are passed, the interest rate on the transferred balance would be 13.24% – 23.24%, which depends on the rate the cardholder is approved at. This is a card that can also earn you the cash back on purchases. However, the cash transfers will not earn you cash back. This is a $0 annual fee card with lots of benefits to look at. There is a late fee pass for the cardholders, special access to purchase tickets for the thousands of events, 24-hour fraud protection, lost wallet service, Citi identity theft solutions, worldwide car rental insurance, worldwide travel accident insurance, extended warranty, and damage & theft purchase protection, etc.