DO: Compare offers

Different providers offer different terms on their 0 balance transfer credit cards. Shop around for longer interest free repayment periods, lower interest rates once the offer is over and lower transfer fees where possible. It might not seem important right now, since you will not be paying any interest at first, but these factors could save you hundreds of pounds later on if you find yourself unable to pay off the balance within the promotional interest free period.

DON’T: Ignore transfer fees

Transfer fees are now standard on the majority of 0 balance transfer cards. This is because providers want to avoid customers taking up the interest free offer, failing to pay off their debt within the promotional and simply switching card supplier each time the interest free offer expires. Balance transfer fees vary from card to card but are usually around 2.5 to 3 of the total balance owed. Look for the lowest balance transfer fees possible when comparing credit cards.

DO: Be realistic

Be completely honest with yourself about how long it will take you to pay off your debt. If you know you can realistically pay it off within the interest free period, it could well be a good idea. If you’re not sure then you need to be wary of 0 balance transfer credit cards – leaving your debt for longer than the interest free period could costs you high interest repayments, the average interest on credit cards being around 17.5 in the UK. If you run out of time and choose to move your debt, meanwhile, you may be met with the alternative cost of the card’s transfer fee. If you don’t really know how long it will take to pay off your debts, a lifetime balance credit card might be more appropriate.

DON’T: Make purchases

Unless your 0 balance transfer credit card terms specify that the card is 0 on purchases, the likelihood is that you will have to pay very high interest on any purchases you make with the card. Even if the card does specify ‘0 on purchases’, many customers don’t fully understand the conditions attached to this. Certain purchases could still carry high interest rates, as could instant cash transactions, such as cash withdrawals, so people often inadvertently trigger these expenses simply due to not understanding the terms and conditions attached. Also, making any purchases will increase the overall debt and make it harder to pay off the balance before the end of the promotional interest free period.

In fact, there are literally dozens of balance transfer cards from top credit card companies available right now. The problem is that so many credit card sites focus on just a few of the card issuers, like Citi and Discover. What many sites leave out are great balance transfer offers from Capital One, Bank of America, Chase, and others.

So what we’ve done is put together this huge list of 0% balance transfer offers. We’ve organized the credit card offers by issuer, and provided a short description of each card, including the terms of its balance transfer feature. Keep in mind that a card’s terms can and will change frequently. While we endeavor to keep this page updated, please be sure to double-check the terms of the no interest transfer before applying for the card.

So with that, here is a massive list of 0% balance transfer offers.

Citi 0% Balance Transfer Offers

Citi offers several cards with balance transfer features, including some up to 12 months.

Citi Platinum Select Card (up to 12 months)

The Citi Platinum Select Card is one of my favorite cards and one that I’ve carried for many years. Until recently, it offered a 9-month balance transfer offer. It has now increased theoffer to up to 12 months. Depending on your credit history, you may end up with a shorter balance transfer. This is called risk-based pricing, and it is becoming more common among credit cards. It’s just another good reason to keep your credit score as high as possible.

The card is not a rewards card, but does offer a reasonable regular APR as low as 11.99%. But its balance transfer feature is the card’s best benefit. The balance transfer fee is 3% of the balance transferred, with a $5 minimum.

Citi CashReturns Card (up to 12 months)

The CashReturns Card combines both a 0% balance transfer feature and cash back rewards. The balance transfer is good for up to 12 months, again depending on your credit history. The balance transfer fee is 3%, with a $5 minimum. The cash returns feature pays you back 1% on all purchases. Once you earn $50, Citi will automatically send you a check.

Citi Forward (6 months)

The Citi Forward card offers a 6-month balance transfer with the same 3% transfer fee as most of Citi’s cards. But the Forward card offers a lot more than just a balance transfer:

• Up to 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row
• 6,000 ThankYou points after you make $50 in purchases within the first 3 months
• 5,000 points when you sign up for paperless statements within the first 3 months
• 5 points for every $1 you spend on dining, fast food and entertainment, 1 point for every $1 you spend on other purchases†
• 100 points each billing period when you pay on time and stay under your credit line
• 0% APR on Purchases in addition to Balance Transfers for first 6 months
• No annual fee

Citi Diamond Preferred Rewards Card (up to 12 months)

Citi Diamon Preferred offers a 0% balance transfer for up to 12 months, and it also offers 0% on purchases. Card holders also qualify for Thank You points.

Citi Diamond Preferred Card (up to 9 months)

The Citi Diamond Preferred card is similar to the rewards card, but the 0% transfer offer is good for up to 9 months. It also does not offer the same Thank You points rewards.

Citi Professional Card with ThankYou Network (6 months)

This card is designed for professionals with business expenses. The balance transfer is good for six months, with a 3% balance transfer fee. Make just $250 worth of purchases and you’ll earn 6,000 Thank You points, redeemable for a $50 gift card.