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Compare today's 0 percent balance transfer offers

By LaRita Heet

In the past year, consumers have noticed a decline in the volume of 0 percent balance transfer offers, and those that are offered are less generous in their terms. (See related story: Are 0 percent APR balance transfer offers doomed?) Here are 15 of the current 0 percent balance transfer offers, and their key terms and conditions.

Name of cardInterest rate, annual fee0% balance transfer periodBalance transfer feesType of card
Advanta Platinum Business Card with Unlimited Rewards Prime rate plus 2.74%. Default rate: The higher of the account APR plus 3% or prime plus a default margin of 21.74%. No annual fee 15 months 3%, with a $5 minimum and $90 maximum Business
Advanta Platinum Small Business Credit Card Prime rate plus 2.74%. Default rate: The higher of the account APR plus 3%, or the account variable rate index, based on the prime plus a default margin of 24.74%. No annual fee 15 months 3%, with a $5 minimum and $90 maximum Small business
Name of cardInterest rate, annual fee0% balance transfer periodBalance transfer feesType of card
Advanta Kiva Business Card Prime rate plus 2.74%. Default rate: The higher of the account APR plus 3%, or the account variable rate index, based on prime plus a default margin of 24.74%. No annual fee 15 months 3% fee with a $5 minimum and $90 maximum Business

Bank of America PetRewards Visa

NOTE: As of December 2008, this card is no longer available.

0% APR for first six months, then prime rate plus 2.99%, 5.99% or 9.99% variable based on creditworthiness. Default rate: 29.99%. No annual fee Six months No balance transfer fee for introductory offers. Otherwise, 3% balance transfer fee with $10 minimum, and no maximum Consumer
Name of cardInterest rate, annual fee0% balance transfer periodBalance transfer feesType of card
BP Visa Either prime rate plus 8.99% (Elite pricing) or prime plus 15.99% (Standard pricing) variable. Default rate: prime plus up to 23.99%. No annual fee 0% fixed APR for 12 months (Elite and Premium pricing) or three months for Standard pricing) 3%, with a $5 minimum and $99 maximum Consumer
Chase Business Rebate Card 0% APR for first 12 months, then prime rate plus 2.49% variable APR. Default rate: up to 28.99% variable. No annual fee Up to 12 months 3%, with a $5 minimum and $99 maximum Business
Name of cardInterest rate, annual fee0% balance transfer periodBalance transfer feesType of card
Chase Free Cash Rewards Card 0% APR for first 12 months, then prime rate plus 5.99% (Elite pricing), 9.99 (Premium pricing), or 14.99% (Standard) variable APR, depending on application and credit history. Default rate: up to 28.99% variable. No annual fee 0% fixed APR for 12 months (Elite and Premium pricing) or three months for Standard pricing) 3%, with a $5 minimum and $99 maximum Consumer
Chase Platinum Visa Business Card 0% APR for first 12 months, then prime rate plus 3.99%, 7.99%, or 14.99% variable APR, depending on application and credit history. Default rate: up to 28.99% variable. No annual fee Up to 12 months (only those balances that are business expenses may be transferred) 3%, with a $5 minimum and a $99 maximum Business
Name of cardInterest rate, annual fee0% balance transfer periodBalance transfer feesType of card
Discover Miles 0% until the last day of the billing period ending during April 2009, then a variable rate of prime rate plus 5.99% and 13.99%. Default rate: Up to 30.99%. No annual fee 0% until the last day of the billing period ending during October 2009. Balance transfers must be made before Jan. 1, 2009 3%, with a $10 minimum and $75 maximum Consumer
Discover More 0% until the last day of the billing period ending during April 2009, then a variable rate of prime rate plus 5.99% and 13.99%. Default rate: Up to 30.99%. No annual fee 0% until the last day of the billing period ending during October 2009. Balance transfers must be made before Jan. 1, 2009 3%, with a $10 minimum and $75 maximum Consumer
Name of cardInterest rate, annual fee0% balance transfer periodBalance transfer feesType of card
Discover Open Road Card 0% until the last day of the billing period ending during April 2009, then a variable rate of prime rate plus 5.99% and 13.99%. Default rate: Up to 30.99%. No annual fee 0% until the last day of the billing period ending during October 2009. Balance transfers must be made before Jan. 1, 2009 3%, with a $10 minimum and $75 maximum Consumer
Pulaski Bank MasterCard or Visa 6.50%. Default rate: 22%. $35 annual fee Six months No balance transfer fee Consumer
Data accurate as of Dec. 8, 2008. Offers come and go frequently from market so contact the card issuer to see if it is still available.

See related: Are 0 percent APR balance transfer offers doomed?, Balance transfer card offers

Updated: September 28, 2009


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