It’s a know that Banks or credit unions make their money off of balance transfers by either charging a fee for the balance transfer and/or by having an APR on the balance that you’re transferring. Some things to note is that balance transfers typically do not have any grace period, so they start accruing that nasty interest immediately.
There is quite a sum of banks and CUs that offer balance transfer sign-up promotions with what is a seemingly lengthy 0% APR period, but end up charging you a hefty fee on balance transfers. It is completely necessary, then, to make a list of Credit Unions and Banks that offer that attractive 0% APR on purchases and balance transfers.
| BONUS LINK | OFFER | REVIEW |
| Chase Business Complete Checking® | $300 or $500 Cash | Review |
| Chase Private Client | $3,000 Cash | Review |
| Chase Total Checking® | $300 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| J.P. Morgan Self-Directed Investing | Up To $700 Cash | Review |
| Chase Secure BankingSM | $100 Cash | Review |
*A “!” listed anywhere below indicates that the bank does not have any specified time limit to complete the balance transfer, so in this case, the transfers performed would be subject to the introductory APR period for the length of the introductory.*
- 0% APR for 15 Months
- 60 Days for Transfer
- 0% Intro APR for 21 months on balance transfers and purchases
- However, Balance transfer fee of either $5 or 3% of the amount of each transfer
Alliant Visa® Platinum Rewards Card:
- As low as 0% introductory rate for 12 months on purchases and balance transfers
First Tennessee Platinum Premier VISA:
- 0% APR for 12 Months
- !
- 0% APR on balance transfers for 18 months.
- Balance transfer fee is 3%.
- 0% APR for 12 Months
- 60 Days for Transfer
Editor’s Note: Days for Transfer meaning how many days the bank gives you to complete a balance transfer before you are subject to non-eligibility. This could mean you’re no longer eligible for: No balance transfer fee and 0% APR.
| CU | Specific Cards? | Months of 0% APR |
Days for Transfer |
| Advancial FCU (TX) | Dinero, Rewards Plus, Savings Secured | 12 | ! |
| Alliant CU (IL) | Visa Platinum & Platinum Rewards | 12 | ! |
| Andigo (IL) | Visa Platinum, Platinum Cash Back, & Platinum Rewards |
6 | ! |
| Arkansas FCU (AR) | Platinum Visa Classic | 6 | ! |
| Boeing ECU (WA) | All | 12 | 90 |
| DuPont CCU (VA) | Platinum Rewards, Platinum Cash Back | 6 | 90 |
| Elements Financial (IN) | Cash Rewards, Platinum, Signature Rewards | 6 | ! |
| Evansville Teachers FCU (IN) | Platinum Prime Plus, Platinum Rewards | 6 | ! |
| First Tech FCU (CA) | All | 12 | 90 |
| Idaho CU (ID) | Premier Rewards & Rewards | 6 | ! |
| Justice FCU (VA) | Classic, Gold, Platinum Rewards, Student Rewards |
6 | ! |
| La Capitol FCU (LA) | Prime Plus, Rewards | 12 | ! |
| Landmark CU (WI) | Cash Back & Rewards Visa | 6 | ! |
| Logix FCU (CA) | Platinum MasterCard | 12 | 90 |
| MSU FCU (MI) | Platinum, Platinum Plus | 6 | ! |
| OE FCU (CA) | Steel, Steel Secured | 6 | ! |
| Patelco CU (CA) | Pure MasterCard | 6 | 90 |
| Premier America CU (CA) | Premier First, Premier Privileges Platinum, Standard, & Student Standard |
6 | ! |
| Purdue FCU (IN) | Visa Signature | 12 | ! |
| Quorum FCU (NY) | Cash Back, RateWise, & World MasterCards |
12 | ! |
| Redstone FCU (AL) | Visa Signature, Rewards, & Traditional | 6 | ! |
| SAFE CU (CA) | Platinum, Platinum Cash Rewards, & Platinum Rewards |
12 | ! |
| Scott CU (IL) | Visa Platinum & Preferred, MasterCard Platinum Plus |
6 | ! |
| Space Coast CU (FL) | Platinum Visa | 6 | ! |
| Texas Dow ECU (TX) | All | 12 | 30 |
| U of I CCU (IA) | Platinum, Platinum Rewards, World | 6 | ! |
| Washington State ECU (WA) | Platinum Rewards | 6 | 60 |
| XCEL FCU (NY) | Platinum | 6 | ! |
Conclusion:
If you’re looking for a list covering all of what we believe to be the better low introductory APR cards out there from Banks and Credit Unions wide, then this could very well be the list for you. Keep in mind that the APR length varies per card issuer and regulations as well. Seemingly enough, most of the credit card issuers we mentioned offers no time limit attached to do balance transfers. I would assume that the easiest credit unions to get approved for is Logix or Alliant CU. Be sure to check out our complete list of Credit Card Promotions for any other credit card necessities you might have!
 With the American Express® High Yield Savings Account: • Earn 1.90% APY as of 9/15/22 on your deposits. Your High Yield Savings account earns interest daily and is posted to your account monthly. • Links easily with your current bank accounts. No need to switch banks. • FDIC Insured. Your account is insured to at least $250,000 per depositor. • 24/7 Account Access |
