Credit Cards that Offer 0% APR on Balance Transfers AND Purchases

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Last month, we wrote about credit cards that offer 0 percent APR for balance transfers. These cards can be advantageous for people paying down debt because they offer 0 percent APR for anywhere from 9-21 months.

With a balance transfer credit card, you can transfer high-interest debts and avoid paying interest while you pay down your balance. Some balance transfer credit cards do charge a balance transfer fee of 3-5 percent of your balance, but others don’t charge a fee at all.

In addition to pure balance transfer offers, some cards offer 0 percent APR on balance transfers and purchases. These cards can be a good deal if you plan to make a big purchase and want to make monthly payments at 0 percent APR. If you’re angling for a card that offers 0 percent APR on balance transfers and purchases, here are some of the best deals out there:

Chase Slate® Credit Card

The Chase Slate is one of the best balance transfer credit cards on the market, and for more reasons than one. Not only does it not charge a balance transfer fee on balances transferred within 60 days of account opening, but it offers 0 percent APR on purchases and balance transfers for 15 months. This card also comes with no annual fee.

Keep in mind, however, that you cannot transfer a balance from another Chase credit card to this card. For your balance transfer to qualify, it must come from a different bank. For more information on this card and others, head here.

Discover it® Card

The Discover it is another no-fee option that works well for a balance transfer and large purchases you want to pay off over time. While you’ll pay a 3 percent balance transfer fee, you’ll get 0 percent APR on purchases and balance transfers for 14 months. You’ll also get a free FICO score on your monthly statement and the potential to earn rewards.

Like the Chase Freedom card, the Discover it offers 1 percent cash back on all purchases and 5 percent cash back on your first $1,500 spent in categories that rotate every quarter. This card also comes with no annual fee. For more information on this card and others, head here.

Citi Diamond Preferred

While the Citi Diamond Preferred card does charge a 3 percent balance transfer fee, it is still one of the best cards for balance transfers and purchases. This is mainly because you get 0 percent APR on purchases and balance transfers for a full 21 months. Like other cards on this list, this card also comes with no annual fee.

Bank Americard Credit Card

The Bank Americard Credit Card is another smart option for balance transfers and purchases. This card offers 0 percent APR on purchases and balance transfers made during the first 60 days. Amazingly, you also get no balance transfer fees on balances transferred within the first 60 days. Last but not least, you won’t pay an annual fee and you’ll get a free copy of your FICO score on your statement every month.

For a full list of 0% APR credit cards head here.

What is your favorite 0 percent APR card for balances and purchases?

Holly Johnson is a financial expert and award-winning writer whose obsession with frugality, budgeting, and travel plays a central role in her work. In addition to serving as Contributing Editor for The Simple Dollar, Holly writes for inspiring…
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The JetBlue Plus Card

  • Annual Fee: $99 fee waived for the first year
  • Foreign Fees: 0%
  • Card Type: Travel

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  • Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 90 days.
  • Earn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
  • Points awarded in your TrueBlue account don’t expire.
  • Earn and share points together with Family Pooling
  • Earn 5,000 bonus points every year after your account anniversary
  • 50% savings on eligible inflight purchases like cocktails and food & the primary cardmember’s first checked bag is free on JetBlue-operated flights
  • Enjoy TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases each calendar year with your card
  • Enjoy a $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card
  • Your first checked bag is free.

Breakdown

Earn (pt.)

Spend


3 months

30,000

$1,000


JetBlue Purchases

6.00

$1


Restaurants Purchases

2.00

$1


Groceries Purchases

2.00

$1


All Purchases

1.00

$1


The JetBlue Plus Card

  • Annual Fee: $99 fee waived for the first year
  • Foreign Fees: 0%
  • Card Type: Travel
FTG Review Reward Breakdown Points Breakdown
  • Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 90 days.
  • Earn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
  • Points awarded in your TrueBlue account don’t expire.
  • Earn and share points together with Family Pooling
  • Earn 5,000 bonus points every year after your account anniversary
  • 50% savings on eligible inflight purchases like cocktails and food & the primary cardmember’s first checked bag is free on JetBlue-operated flights
  • Enjoy TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases each calendar year with your card
  • Enjoy a $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card
  • Your first checked bag is free.

Breakdown

Earn (pt.)

Spend


3 months

30,000

$1,000


JetBlue Purchases

6.00

$1


Restaurants Purchases

2.00

$1


Groceries Purchases

2.00

$1


All Purchases

1.00

$1


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