Top 5 Zero Percent Credit Card Offers – Zero Percent Promotions Through 2020

We are on a mission to uncover the best balance transfer credit card promotions for 2020! Finding credit cards offering zero percent interest for 12 to 18 months allows consumers to lock in a 0% card offer until 2020. These promotional credit card balance transfers can help save hundreds to thousands of dollars of interest expenses. Most financial planners and investment advisors agree on the concept of improving cash flow to focus on paying off higher interest debts to reduce your overall debt flow. By focusing extra cash on higher interest expenses and bringing these balances down you are able to reduce your overall interest expenses and lower balances by having more money that is directed to the principal balance. The good news is that almost every major bank (AMEX, Bank of America, Chase, Citi, Wells Fargo) has a credit card balance transfer promotion for 2020! By reviewing multiple cards offers you can determine which credit card offer makes the most sense for your personal situation and financial goals. Should you lock in a zero percent interest rate for 18 months, or is it more advantageous to take a shorter term promotional card offer, but lock in a balance transfer that includes a zero percent or a reduced fee to transfer over the credit card balance.

Balance Transfer Offers From Leading Banks Updated Daily in 2020

Our team of financial writers is constantly searching for great promotional credit cards and balance transfer offers. We recognize that every potential applicant’s situation is unique. Whether you are recently retired on a fixed income, working at a job on Wall Street or just starting out as a college student your needs for a balance transfer card promotion may be different. Students are starting classes all across the country and beginning to make financial decisions with student loans, housing expenses and for many their first credit cards. Finding the right credit card is an important first step towards building up a credit score and financial independence.

Save Money By Locking In A Great Deal At 0% For 12 to 18 Months

Saving money is paramount to everyone’s personal financial goals. One of the best ways to accomplish saving money is to pay less interest on the money you have previously borrowed and the credit that is owed to banks and lenders. That is where the editorial team from Balance Transfer Zero Percent Deals comes in to help. Our team of writers is constantly reviewing credit card offers and promotions from leading banks (American Express, Chase, Citi Cards) to help find credit card deals that help borrowers save money. Locking in a balance transfer deal at zero percent interest for six months to twenty-one months in length can greatly reduce your interest expenses and save money, which can be used to pay other high-interest bills or pay off your credit card debts that much quicker!

If you need a larger loan for debt consolidation or home remodeling, there are several online lenders to consider, including: Rocket Loans, Marcus, Loan Moz, Prosper, Signature Loans Network and more. Most online lenders can help you borrow between $500 to $50,000 or more online.

balance transfer zero percent deals

The tough competition has caused many credit card companies to offer 0% APR rate for their cards. The following is the top 5 credit cards that feature 0% APR rate for purchases and balance transfers for January 2018.

1. Chase Slate

Chase Slate is offering 0% APR for purchases and balance transfer and it also waive the annual fee during the entire introductory duration of 15 months. After the 15 months introductory period is over, you will pay the regular APR of 13.24% – 23.24%. It does not charge any penalty APR so you don’t have to pay more interest and see a drop in your credit score if you fail to pay by the due date. The FICO score report is provided to you for free every month.

credit cards at zero percent

2. Citi Simplicity

Citi Simplicity is one of the few cards with an ultra long introductory period of 21 months. It does charge a 3% fee when you use the card for balance transfer. The regular APR of 13.24% – 23.24% applies after the 21 months introductory period. Citi Simplicity charges $0 annual fee which means you have more spare money to use for paying the debt. It does not charge any late fee or penalty fee but your credit score will take a plunge if you miss a payment. Besides, Citi Simplicity also charge a 3% foreign transaction fee so you may want to use another card for paying for your purchases overseas.


See Similar Offers – Additional Zero Percent Reward Cards


3. Capital One Platinum Prestige
Capital One Platinum Prestige card offers 0% APR on both purchases and balance transfer for up to 15 months. Once the 0% introductory period has passed, the ongoing variable APR of between 10.9% – 20.9% applies. There is no annual fee but it charges a 3% fee whenever you transfer a balance. The Platinum Prestige features the Credit Tracker to allows you to keep track of your credit score. Other features of the card are $0 liability for fraud charges, rental insurance and price guarantee.

Top Zero Percent Credit Card Deals Reviewed Every Month!

4. Chase Freedom

Chase Freedom offers 0% APR for up to 15 months and this zero interest applies to both purchases and balance transfer. Chase Freedom is one of the few balance transfer card that offer sign up bonus. It allows you to earn up to 5% cash back when you spend money on quarterly bonus for the first $1,500 you spend. The 1% cash back rate applies for the rest of the amount of money you spend with the credit card. The card has no annual fee but it does not charge a 3% foreign transaction fee.

Review The Best Promotional Card Offers Including 0% Deals Through 2020

top credit card offers in 2018

5. Wells Fargo

Wells Fargo has a number of great card offers for borrowers who love to travel or need an everyday credit card for purchases. With a wide range of perks and rewards, these cards are backed by one of the most recognized brands on the planet. If your searching for a great card for 2020 this card should be one to consider. Learn more about these credit card offers, powered by CardRatings

If you are interested in applying for one of the cards above, make sure you visit the official site to get in-depth information on the features and fees. If you have any question, you must not hesitate to dial the toll free number to talk with the customer representative.

Review 0% Promotions From Amex, Bank of America, Barclay, Capital One, Chase, Citi, Wells Fargo

Exciting News, through our partnership we are now able to better review and promote credit cards with Wells Fargo!
One of the top card offers to consider for 2020 for both purchases and refinance offers is the Wells Fargo Propel Account. This card offers some really cool features, including 0% interest promotions for balance transfer and purchases. If you are looking for a longer tern balance transfer credit card, the Wells Fargo Platinum Visa Card are offering promotional offers at 0% for up to 15 months! Stay tuned as we review the top card promotions of 2017! and search for the best deals on credit cards from leading banks, credit unions and card providers!

With so many great credit card offers it can often become a challenge to know which credit card offer makes the most sense for your financial situation. With dozens of promotional card offers extending a zero percent promotion through 2018, it makes sense to evaluate other factors when you are comparing balance transfer credit cards. Some of the key questions that consumers who are looking for a great 0% credit card deal should be considering are:

  • What are the fees associated with the balance transfer promotion
  • What will you be using the balance transfer credit card (travel, everyday expenses, business expenses
  • Can you lock in zero percent for 12 months, 15 or 18 months, which option offers you the best return when you factor in any of the upfront credit card fees
  • American Express, Visa, Mastercard which card offers the best affiliation and perks for your spending habits

Great Promotional Credit Cards For Borrowers With Average, Good and Excellent Credit Histories

Some of the most popular zero percent credit cards that are available (listed below) come with some great cash back and reward options. These credit cards share one thing in common, they have great limited time promotional zero percent options on purchases or balance transfers. We will be reviewing these cards in depth in 2018 to help identify the top cards for consumers with all credit backgrounds to help make sure you are applying for the best credit card for your unique situation.

Citi® Diamond Preferred®Card
Citi Simplicity®Card – No Late Fees Ever
Chase Slate®
Citi® Double Cash Card – 18 month BT offer
Citi ThankYou®Preferred Card
Chase Freedom® $150 Bonus
Chase Freedom Unlimited
Wells Fargo Propel American Express? Credit Card
Wells Fargo Cash Wise Visa® Credit Card
Wells Fargo Platinum Visa® Credit Card
BuyPower Card from Capital One®- Get The Card That Helps You Get The Car
Capital One®VentureOne®Rewards Credit Card
Blue Cash Preferred® Card from American Express
Blue Cash Everyday®Card from American Express
BankAmericard Cash Rewards™ Credit Card
Susan G. Komen®Credit Card
BankAmericard Travel Rewards® Credit Card
The Amex EveryDay®Credit Card from American Express
The Amex EveryDay® Preferred Credit Card from American Express
The Plenti® Credit Card from Amex
Barclaycard Ring MasterCard®