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0% Balance Transfer Credit Cards
In their zeal to win your business away from competitors, credit card companies often sweeten the pot with some great introductory offers. One of the best is the 0% balance transfer. What that means is you can transfer existing credit card balances to your new card and pay no interest on the transferred amounts for the duration of the introductory period. If you are paying high monthly interest on a sizable credit card balance then a 0% transfer can translate to major savings.
Although 0% transfers are only introductory offers many last up to 12 months. Some credit cards offers extend the intro balance period until the balance is paid off. This can be a great opportunity to reduce debt by consolidating balances from several high interest credit cards with a 0% balance transfer and paying down the balance interest free.
When evaluating new 0% interest cards do read the terms and conditions to understand the length of the introductory offer, if any fees are involved in the transfer, and what events, such as missed payments, could trigger interest rate increases.
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| More® Card - Monogram |
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Intro APR |
Ongoing APR |
Intro APR Period |
Intro Bal Transfer APR |
Intro Bal Transfer Period |
Annual Fee |
| 0% |
10.99% |
6 months |
0% |
12 months |
$0 |
- 0% Intro APR on Purchases and Balance Transfers.
- No Annual Fee.
- 0% Intro APR on Purchases and Balance Transfers.
- Up to 1% Cashback Bonus on all other purchases automatically.
- $0 Fraud Liability Guarantee.
 Cash Back Rewards
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Card Terms |
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| More® Card - Sealife Collection |
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Intro APR |
Ongoing APR |
Intro APR Period |
Intro Bal Transfer APR |
Intro Bal Transfer Period |
Annual Fee |
| 0% |
10.99% |
6 months |
0% |
12 months |
$0 |
- 0% Intro APR on Purchases and Balance Transfers.
- No Annual Fee.
- 5% Cashback Bonus®.
- Up to 1% Cashback Bonus on all other purchases automatically.
- Choose from 5 exciting sealife designs.
- Unlimited cash rewards that never expire.
Cash Back Rewards
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Card Terms |
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| Discover® Open Road® Card |
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Intro APR |
Ongoing APR |
Intro APR Period |
Intro Bal Transfer APR |
Intro Bal Transfer Period |
Annual Fee |
| 0% |
10.99% |
6 months |
0% |
12 months |
$0 |
- 0% Intro APR on Purchases and Balance Transfers.
- No Annual Fee.
- 5% Cashback Bonus® on your first $100 in gas and auto maintenance purchases each month.
- Up to 1% Cashback Bonus on all other purchases.
- Double Cashback Bonus on grocery store purchases in November and December.
- Unlimited cash rewards that never expire.
Cash Back Rewards
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Card Terms |
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| Miles by Discover® Card |
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Intro APR |
Ongoing APR |
Intro APR Period |
Intro Bal Transfer APR |
Intro Bal Transfer Period |
Annual Fee |
| 0% |
10.99% |
6 months |
0% |
6 months |
$0 |
- 0% Intro APR on Purchases and Balance Transfers for 6 months.
- No Annual Fee.
- Book any travel, anytime with no blackout dates or restrictions.
- Double Miles on up to $3,000 in travel and restaurant purchases each year.
- 1 Mile for every $1 on all your other purchases - personal and business.
- Double Miles on grocery store purchases in November and December.
Cash Back Rewards
Miles Rewards
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Card Terms |
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| More® Card - Wildlife Collection |
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Intro APR |
Ongoing APR |
Intro APR Period |
Intro Bal Transfer APR |
Intro Bal Transfer Period |
Annual Fee |
| 0% |
10.99% |
6 months |
0% |
12 months |
$0 |
- 0% Intro APR on Purchases and Balance Transfers.
- No Annual Fee.
- 5% Cashback Bonus® on Get More purchases in popular categories that change four times a year like home, apparel and more.
- Up to 1% Cashback Bonus on all other purchases automatically.
- Unlimited cash rewards that never expire.
- $0 Fraud Liability Guarantee.
Cash Back Rewards
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Card Terms |
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| More® Card - American Flag |
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Intro APR |
Ongoing APR |
Intro APR Period |
Intro Bal Transfer APR |
Intro Bal Transfer Period |
Annual Fee |
| 0% |
10.99% |
6 months |
0% |
12 months |
$0 |
- 0% Intro APR on Purchases and Balance Transfers.
- No Annual Fee.
- 0% Intro APR on Purchases and Balance Transfers.
- Up to 1% Cashback Bonus on all other purchases automatically.
- Unlimited cash rewards.
- $0 Fraud Liability Guarantee.
Cash Back Rewards
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Card Terms |
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| More® Card - Clear |
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Intro APR |
Ongoing APR |
Intro APR Period |
Intro Bal Transfer APR |
Intro Bal Transfer Period |
Annual Fee |
| 0% |
10.99% |
6 months |
0% |
12 months |
$0 |
- 0% Intro APR on Purchases and Balance Transfers.
- No Annual Fee.
- 0% Intro APR on Purchases and Balance Transfers.
- Up to 1% Cashback Bonus on all other purchases automatically.
- Unlimited cash rewards.
- $0 Fraud Liability Guarantee.
Cash Back Rewards
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Card Terms |
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| More® Card |
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Intro APR |
Ongoing APR |
Intro APR Period |
Intro Bal Transfer APR |
Intro Bal Transfer Period |
Annual Fee |
| 0% |
10.99% |
6 months |
0% |
12 months |
$0 |
- 0% Intro APR on Purchases and Balance Transfers.
- No Annual Fee.
- 0% Intro APR on Purchases and Balance Transfers.
- Up to 1% Cashback Bonus on all other purchases automatically.
- Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners.
- Unlimited cash rewards.
Cash Back Rewards
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Card Terms |
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Choosing a 0% Balance Transfer Credit Card
Many credit card offers today include a 0% balance transfer designed to last 6 months, 12 months, or until the balance is paid off. So how do you choose the best deal for you? Do consider the length of the balance transfer introductory period. It's important this period is long enough to allow you to pay down your consolidated debt interest free. Evaluate your goals. Will you keep this credit card long term? If the answer is yes then look at aspects beyond the introductory teaser offers. Which cards have the right ongoing APR and rewards to meet your long term goals? Remember, if you can pay off your balance in full each month then it's a great idea to maximize rewards, but if you tend to carry balances for several months then look at low interest cards. Always understand the terms and conditions of the credit card offer to understand if fees apply to balance transfers or convenience checks.
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