Interest-free credit card comparison

Save on costs with a credit card that offers 0% interest on purchases or balance transfers.

Interest-free credit cards give you a period of time when no interest is charged on your balance. Depending on the card you choose, you could get an introductory 0% p.a. interest rate for purchases or balance transfers or enjoy interest-free days on purchases each statement period.

Use this guide to compare interest-free credit cards in Australia. You can also look at other features to consider so that you can find an interest-free credit card that suits your needs.

ANZ Platinum Credit Card - Exclusive Offer

0% p.a. for 12 months on balance transfers
0% p.a. for 3 months on purchases

Offer ends 17 December 2017

Eligibility criteria, terms and conditions, fees and charges apply

Exclusive to finder.com.au - ANZ Credit Card Offer

Exclusive to this site, pay no annual fee in the first year and take advantage of low introductory rates on purchases and balance transfers.

  • $0 p.a. annual fee for the first year ($87 p.a. thereafter).
  • 19.74% p.a. on purchases
  • Cash advance rate of 21.49% p.a.
  • Up to 55 days interest free
  • Minimum income requirement of $35,000 p.a.
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Compare interest-free credit cards

Rates last updated December 11th, 2017
$
Name Product Product Description Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period Amount Saved
NAB Low Rate Platinum Card
A platinum card that offers an introductory rate of 0% p.a. for 9 months on purchases.
0% p.a. for 9 months (reverts to 13.99% p.a.)
4.99% p.a. for 6 months
$100 p.a.
Up to 55 days on purchases
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Until 31 January 2018 get 0% p.a. on purchases for 14 months. Plus, up to 0.66 Velocity Points per $1 spent.
0% p.a. for 14 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$129 p.a.
Up to 44 days on purchases
ANZ Platinum Credit Card - Exclusive Offer
Exclusive to finder, get 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Ends 17 December 2017.
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Up to 55 days on purchases
NAB Low Rate Credit Card
Receive an introductory 0% p.a. interest rate for 6 months on purchases, Visa Entertainment offers and a competitive $59 ongoing annual fee.
0% p.a. for 6 months (reverts to 13.99% p.a.)
4.99% p.a. for 6 months
$59 p.a.
Up to 55 days on purchases
Bankwest Low Rate Business Mastercard
Offers an introductory 0% p.a. interest rate on purchases for 12 months. Plus, add up to 3 additional cardholders for $0 on this low rate card.
0% p.a. for 12 months (reverts to 11.99% p.a.)
$99 p.a.
Up to 55 days on purchases

Compare up to 4 providers

* The offers compared on this page are chosen from a range of products finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms "Best" and "Top" are not product ratings and are subject to our disclaimer. The star ratings indicated on this page are from real finder.com.au users based on their feedback about the quality of this page. It is not representative of any product’s star ratings and should not be taken as a recommendation of any form of credit. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

Best* Interest free credit cards

0% purchase credit cards

girls comparing credit cardsThis type of credit card allows you to make new purchases without paying interest during a promotional or introductory period. This period varies but is usually the first 3 to 15 months from when you get the new card. After that, a higher standard variable purchase rate will apply to any remaining balance.

A 0% purchase credit card can be useful if you have a large expense coming up, such as an appliance, an overseas holiday or Christmas shopping. It's wise to spend with a budget in mind and do your best to repay the entire balance before the introductory period ends so you can avoid interest charges.

When will I be charged interest on a 0% purchase credit card?

  • The 0% offer only applies for a promotional period and will revert to the standard interest rate when the offer ends. So if the card comes with 0% for 6 months, the interest-free period will end 6 months after your card was activated and any remaining balances will begin to collect interest.
  • If you use your card for a transaction that isn’t considered a “purchase”, such as a cash advance or a cash equivalent transaction.
  • If you don’t maintain your credit card payments each statement period.

What types of credit cards offer 0% interest?

Credit cards can offer interest-free periods that are designed to suit a variety of different needs. Here, you can find information on a range of different 0% interest credit card options based on how you plan to use your card.

0% balance transfer credit cards

A 0% balance transfer card offers an interest-free period on existing credit card debt that you move onto the new card. The 0% interest rate can last anywhere from 3 to 24 months depending on the offer. This gives you the opportunity to repay your debt without collecting any additional interest, which can help you put more money towards paying off the balance faster.

With this type of 0% interest offer, the card’s standard interest rate will apply to any balance that's left at the end of the introductory period. This could be as high as 22% p.a., so it’s important to pay off as much of the debt as possible during the interest-free period.

When will I be charged interest on a 0% balance transfer credit card?

  • If you make a purchase on the card, the interest rate for purchases will apply from the time the transaction is made.
  • If you use your card for a cash advance or cash equivalent transaction, interest charges and fees will apply.
  • If the balance transfer interest-free period ends and you have an outstanding balance to pay, you'll start collecting interest on it.

Compare interest-free balance transfer credit cards

Rates last updated December 11th, 2017
$
% p.a.

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Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
St.George Vertigo Platinum - Online Offer
0% p.a. for 24 months
12.74% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Platinum card benefits plus 0% p.a. for 24 months on balance transfers (with no BT fee) and $0 annual fee in the first year. Ends 13 December 2017.
NAB Premium Card - Exclusive Offer
0% p.a. for 25 months
19.74% p.a.
$90 p.a.
Exclusive to finder.com.au, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
Woolworths Everyday Platinum Credit Card
0% p.a. for 14 months
19.99% p.a.
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
0% p.a. for 18 months
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.
Citi Rewards Platinum Credit Card
0% p.a. for 24 months with 1.5% balance transfer fee
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 24 month balance transfer offer, plus complimentary international travel insurance.
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$129 p.a.
Receive a 0% p.a. for 22 months balance transfer offer and earn 1 Reward Point per $1 of eligible spend. Plus, complimentary travel insurance.
St.George Vertigo Visa - Online Offer
0% p.a. for 18 months
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Take advantage of 0% p.a. for 18 months on balance transfers (with no BT fee). Plus, $0 annual fee in the first year. Ends 13 December 2017.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 12 months
0% p.a. for 3 months (reverts to 19.74% p.a.)
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive to finder, get 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Ends 17 December 2017.
Virgin Money Low Rate Credit Card
0% p.a. for 14 months
11.99% p.a.
$49 p.a.
Receive a discounted annual fee, $100 cashback when you meet the spend requirement and up to 14 months interest-free on balance transfers.
Bankwest Breeze Classic Mastercard
0% p.a. for 24 months with 2% balance transfer fee
12.99% p.a.
$79 p.a.
Receive a long-term balance transfer offer of 0% p.a. for 24 months, a low ongoing purchase rate and up to 55 interest-free days on purchases.

Compare up to 4 providers

0% purchase and balance transfer credit cards

This type of credit card offers an introductory 0% interest rate for both balance transfers and purchases. However, the promotional interest-free periods may be different lengths for balance transfers and purchases. For example, a card could offer 0% interest on balance transfers for up to 15 months but only 0% interest on purchases for the first 3 months.

When the introductory period ends, any remaining debt from purchases or balance transfers will attract interest at the standard variable rate for that card. This rate could also be different for purchases and balance transfers.

Compare credit cards with both 0% on balance transfers and purchases

Rates last updated December 11th, 2017
$
% p.a.

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Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 12 months
0% p.a. for 3 months (reverts to 19.74% p.a.)
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive to finder, 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 6 months
0% p.a. for 14 months (reverts to 20.74% p.a.)
$129 p.a.
Save with 0% p.a. interest on purchases and balance transfers, plus, earn up to 0.66 Velocity Points per $1 spent.

Compare up to 4 providers

Credit cards with interest-free days

Many credit cards offer a certain number of interest-free days for each statement period. For instance, you may see “up to 55 days interest-free” included as a feature on your credit card.

This 0% interest period is usually only available if you pay your balance off completely by the due date on each of your statements. If you carry a balance or make a late payment, you won't be eligible for interest-free days and interest will be applied for all purchases made during that statement period. Usually, you will only be able to access interest-free days again after you have paid your balance in full for at least one statement cycle.

When will I be charged interest on this card?

  • If you don’t pay your balance back in full each statement period.
  • If you use your card for a transaction that’s considered a cash advance or an ineligible purchase, unless otherwise specified.
  • If you carry a balance from a balance transfer, some cards may not offer interest-free days on purchases.

Compare credit cards with up to 55 interest-free days

Rates last updated December 11th, 2017
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
HSBC Platinum Credit Card
19.99% p.a.
Up to 55 days on purchases
$129 p.a.
0% p.a. for 22 months with 2% balance transfer fee
Receive a 0% p.a. for 22 months balance transfer offer and earn 1 Reward Point per $1 of eligible spend. Plus, complimentary travel insurance.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 24 months
Platinum card benefits plus 0% p.a. for 24 months on balance transfers (with no BT fee) and $0 annual fee in the first year. Ends 13 December 2017.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
0% p.a. for 12 months
Exclusive to finder, get 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Ends 17 December 2017.
Citi Rewards Platinum Credit Card
20.99% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 24 months with 1.5% balance transfer fee
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 24 month balance transfer offer, plus complimentary international travel insurance.
Bankwest Breeze Classic Mastercard
12.99% p.a.
Up to 55 days on purchases
$79 p.a.
0% p.a. for 24 months with 2% balance transfer fee
Receive a long-term balance transfer offer of 0% p.a. for 24 months, a low ongoing purchase rate and up to 55 interest-free days on purchases.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
Take advantage of 0% p.a. for 24 months on balance transfers with a 2% balance transfer fee when you apply online by 31 January 2018.
ANZ Frequent Flyer Black
19.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Earn 75,000 bonus Qantas Points and 75 Bonus Status Credits. Plus, unlimited Véloce airport lounge access and a $0 annual fee for the first year.
St.George Vertigo Visa - Online Offer
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 18 months
Take advantage of 0% p.a. for 18 months on balance transfers (with no BT fee). Plus, $0 annual fee in the first year. Ends 13 December 2017.
Bank of Melbourne Vertigo Visa Credit Card
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 18 months with 1% balance transfer fee
Save with a $0 first year annual fee and a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
Bankwest Breeze Platinum Mastercard
12.99% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 24 months with 2% balance transfer fee
Receive a 0% p.a. interest rate on balance transfers for 24 months, complimentary travel insurance and 0% foreign transaction fees.

Compare up to 4 providers

What other cards offer 0% interest or fees?

Depending on your circumstances, you may also want to consider a credit card that offers 0% fees on overseas transactions or a charge card that offers an interest-free period for each statement period. We've included key details of these options below.

0% foreign transaction fee credit cards

Most credit cards apply foreign transaction and currency conversion fees to purchases made overseas or online with an international merchant. The fees are usually between 2% and 3.5% of the total transaction cost and are in addition to any interest charges that may apply for the balance – even if you are using a credit card with 0% interest on purchases.

Credit cards with 0% foreign transaction fees allow you to use your credit card for international transactions without paying these fees. This type of card is suitable if you’re planning a trip overseas or if you want to use a credit card to shop online with international merchants.

When will I be charged interest on this card?

  • This card may charge 0% foreign transaction fees, but you may still have to pay the standard purchase rate for your transactions.
  • You will be charged interest if you use the card for other types of transactions such as cash advances.

Compare 0% foreign transaction fee credit cards

Rates last updated December 11th, 2017
Name Product Foreign Currency Conversion Fee Overseas ATM Withdrawal Fee Overseas Cash Advance Fee Annual fee Product Description
Bankwest Zero Platinum Mastercard
0% of transaction value
$0
The greater of 2% or $4
$0 p.a.
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and access to a 24/7 concierge service.
Bankwest Breeze Platinum Mastercard
0% of transaction value
$0
Greater of 2% or $4.00
$99 p.a.
Offers an introductory balance transfer rate of 0% p.a. for 24 months with a 2% BT fee, plus platinum perks.
28 Degrees Platinum Mastercard
0% of transaction value
$0
3% of the cash advance or $4 (whichever is greater)
$0 p.a.
Designed for travel, benefit from 0% foreign transaction fees on purchases, a $0 annual fee for life and a personal concierge service.
ANZ Rewards Travel Adventures card
0% of transaction value
$0
$0
$225 p.a.
Receive 40,000 bonus Velocity Points (when you meet the spend criteria), 2 yearly Virgin Australia lounge passes, plus enjoy paying a $0 overseas transaction fee on purchases.
Westpac Lite Card
0% of transaction value
2%
$108 p.a.
Keep credit card costs low with a maximum credit limit of $4,000, a 9.9% p.a. purchase interest rate and no foreign transaction fees.
Bankwest Qantas Platinum Mastercard
0% of transaction value
$0
2% or $4, whichever is greater
$160 p.a.
Enjoy 0% foreign transaction fees, complimentary travel insurances and earn 0.5 Qantas Points per $1 spent on eligible purchases.
Bankwest More Platinum Mastercard
0% of transaction value
$0
2% or $4, whichever is greater
$160 p.a.
No fees on overseas ATM withdrawal, no foreign transaction fees and earn 75,000 bonus More rewards points.

Compare up to 4 providers

Charge cards

Similar to a credit card, a charge card gives you access to funds for a set amount of time and may include features such as rewards programs or complimentary insurance. But unlike credit cards, charge cards don’t apply an interest rate to the balance. Instead, you must pay off the total amount owing by each statement due date – and there are hefty fees and other penalties if you don’t.

While charge cards give you an interest-free way to make purchases on credit, they do not offer the same flexible repayment options as credit cards. They also have high income and credit rating requirements.

Compare business and corporate charge cards

Rates last updated December 11th, 2017
Name Product Rewards Program Annual fee Complimentary Travel Insurance Product Description
American Express Velocity Business Card
Velocity Frequent Flyer
$249 p.a.
Yes
Take advantage of Velocity Points per $1 spent, no pre-set spending limit, data that feeds into MYOB and up to 51 days interest-free on purchases.
American Express Platinum Business Card
Membership Rewards Premium Ascent
$1,500 p.a.
Yes
Enjoy 120,000 bonus points, a platinum business concierge, complimentary Virgin Lounge access, worldwide travel insurance and hotel benefits.
American Express Gold Business Card
Membership Rewards Ascent
$169 p.a.
Yes
Take advantage of 10,000 bonus points, no pre-set spending limit, data that feeds to MYOB and up to 51 days interest-free on purchases.
American Express Business Card
Membership Rewards Ascent
$109 p.a.
Yes
Earn up to 1.00 Membership Rewards point per $1 spent and extend your cashflow with up to 51 interest-free days on purchases.
American Express Qantas Business Rewards Card
Qantas Business Rewards
$450 p.a.
Yes
Earn up to 100,000 bonus points, 2 Qantas Points per $1 spent on eligible purchases and enjoy up to 51 days interest-free on purchases.

Compare up to 4 providers

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How to compare interest-free credit cards

If you want to get a credit card with an interest-free period, considering the following features and details can help you find one that's right for you:

  • Introductory period. If the card offers a promotional 0% interest rate for purchases or balance transfers, check how long the introductory period is available for so you can factor this into your repayments and budget. Consider your budget and calculate whether or not you can repay the balance you put on the card while the introductory offer is in place. If not, you might want to look for a card with a longer promotional period.
  • Standard interest rates. The standard variable purchase and balance transfer rates for credit cards can be as high as 22% p.a. Make sure you check what the promotional rate reverts to when comparing options so that you can budget for any interest charges that may apply if you're still carrying a balance at that time.
  • Interest-free day requirements. Credit cards that offer interest-free days for each statement cycle usually have specific conditions around eligible purchases and repayments. For example, cash advances are not eligible for interest-free days and you must pay your balance in full by the due date on each statement.
  • Rewards programs. Some cards earn rewards or frequent flyer points for every $1 spent on the card. These programs can provide extra value, particularly if you have an interest-free credit card for purchases. But be careful you don’t overspend in order to get more rewards, otherwise you may end up with unnecessary debt.
  • Complimentary extras. Many cards offer complimentary extras such as international travel insurance, purchase protection, extended warranty coverage and concierge services. These perks may add value to your card, but only if you think you will use them.
  • Annual fees. This cost can range from $20 to over $700 each year. Make sure that the cost of the annual fee doesn't offset the interest savings you'll make from the interest-free offer. You may even want to consider a credit card with no annual fee to help save on your costs.
  • Balance transfer fees. Some cards have a one-off processing fee of around 2% to 3% when you apply for a balance transfer. If you choose an interest-free card for your existing debt, make sure you look for this fee when comparing options so you can find one that’s affordable.

Interest-free credit cards can be a convenient and affordable way to access additional funds in a wide range of situations. But it’s important to compare your options to find the right type of card for your needs.


Pictures: Shutterstock

Answers to the most popular questions about interest-free credit cards from our users

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NAB Premium Card - Exclusive Offer

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Woolworths Everyday Platinum Credit Card
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14 Responses

  1. Default Gravatar
    HayleyNovember 20, 2016

    Hi,

    I am needing an amount of $6800 and will be able to pay it back over a year. I will not be using the card for anything else but this one off overseas payment. What would be the best thing for me to do?

    • Staff
      AnndyNovember 21, 2016Staff

      Hi Hayley,

      Thanks for reaching out.

      If you are looking for a credit card for overseas payment, you may want to consider the cards listed here as they do not charge foreign currency conversion fee.

      You may also want to consider cards with 0% purchase interest rate listed here. These cards allow you to save on interest payments during the promotional period in case you don’t intend to pay your balance in full at the end of the billing period.

      Cheers,
      Anndy

  2. Default Gravatar
    davidFebruary 15, 2016

    if i pay out the balance in the interest free period can i then cancel the card with no fees.

    • Staff
      JonathanFebruary 15, 2016Staff

      Hi David, thanks for your inquiry!

      Yes this is generally accepted across balance transfer credit cards. Once you have repaid your outstanding balance you can cancel the credit card anytime.

      Cheers,

      Jonathan

  3. Default Gravatar
    sharonSeptember 8, 2015

    Good morning, I read with interest the balance transfer credit cards with no interest for a period of time. I, like many people have that problem of having not paid my CC on the due date and now have a big balance. I currently have an ANZ Platinum CC, can I apply for a balance transfer with no interest?

    Thank you

    • Staff
      JonathanSeptember 8, 2015Staff

      Hi Sharon, thanks for your inquiry!

      Balance transfers can be a great way to repay an outstanding credit balance interest free. You may like to compare balance transfer offers and cards on this page.

      Cheers,

      Jonathan

  4. Default Gravatar
    BillyJune 12, 2015

    Hi, I’m looking for a credit card to allow me to pay bills between payments from work. Would use it very little only when my funds are a bit tight. Any recommendations? Suggestions

    • Staff
      sally.mcmullen@hiveempire.comJune 12, 2015Staff

      Hi Billy,

      Thanks for your question.

      As an online comparison service, we can’t provide you with any specific recommendations. Instead, we provide our users with the comprehensive information they need to make comparisons and develop their own informed decisions.

      However, if you’re only planning on using your credit card sporadically, you may wish to consider a credit card with low interest or no annual fee or a low income credit card.

      Credit cards with high annual fees and rates usually come with extra features such as concierge services, complimentary insurance, and rewards programs. However, if you’re after a credit card to use as a backup for your finances, some of these no-frills options may be of interest.

      I hope this has helped.

      Thanks,

      Sally

  5. Default Gravatar
    SarahFebruary 8, 2015

    hello,
    im looking at having stomach surgery and I have most of the money but I am still needing about another $10,000 for this and I was wondering what credit card would be the best way for me to go as I would like to pay it off with in 12 months of having surgery.

    thank you so much

    • Staff
      JonathanFebruary 9, 2015Staff

      Hi Sarah,

      Depending on whether the surgery is billed as a purchase or cash advance (would be best to confirm with the medical company) this would determine whether a would be ideal. Please also refer to our page on comparing medical loans on this page.

      I hope this has helped.

      Cheers,

      Jonathan

  6. Default Gravatar
    AngelaJanuary 14, 2015

    I have an existing credit card that I am trying to pay off. I am finding it hard as the interest I get charged each month is almost the same amount as my monthly repayments, which means I am getting no where. I have talked to some friends that have mentioned I should transfer my debt to an interest free credit card that way I can pay it off within the time of the interest free offer. Will this be beneficial for me? Is there any hidden charges I should be looking for? I am confident I can pay this off within 6-12months, as long as I don’t get charged interest.

    • Staff
      ElizabethJanuary 14, 2015Staff

      Hi Angela,

      Thanks for your question.

      Your friends were likely referring to a balance transfer, which allows you to bring over an existing credit card balance to a new card and pay 0% p.a. interest on it for an extended amount of time. You can compare and apply for balance transfer credit cards on this page as well as learn more about them. A few things to be aware of with balance transfer credit cards:

      - Balance transfer rate: The rate you will be charged on the balance you bring over.
      - Annual fee: Will you be charged an annual fee to use this product?
      - Balance transfer revert rate: This is the rate you are charged after the balance transfer promotional period is over. Most of these cards revert to either the cash advance rate or purchase rate.
      - Balance transfer period: How long you will receive the promotional balance transfer rate for.
      - Balance transfer fee: Some cards may charge you a fee to bring over your credit card balance. This fee is often a percentage of the balance you bring over (eg. 3%)

      This information can all be found in our credit card review pages, which can be found by clicking on ‘more info’ from the comparison table on the page I linked above. After you’ve reviewed your options and found the best card for your needs and situation, you can click ‘Go to Site’ to apply.

      I hope this has helped.

      Thanks,

      Elizabeth

  7. Default Gravatar
    MichaelJuly 11, 2013

    If you pay my card right out what interest rate will you charge me?

    • Staff
      JacobJuly 11, 2013Staff

      Hi Michael. Thanks for your question, but I’m not sure I understand. Are you referring to the balance transfer rate of interest? You can find this information in the comparison tables and in the review pages for each card. Jacob.

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