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Credit cards are very popular today and almost everybody wishes to apply for one. Not only do they allow you to buy stuff without the need for cash on hand but it also lets you pay your items at the end of the month which means you don’t have to pay for it immediately upon purchase. Rewards and points are also some things to be happy about when it comes to credit cards. If you have an excellent credit rating or score, you are even luckier because it is easy for you to apply for a zero percent balance transfer credit card. Seriously though, does zero percent always mean that it’s free?

We’ll try to look at the zero percent balance transfer credit card, specifically two of the top cards under this category. These two cards are the Citicard Platinum Select Card and the Chase Platinum Card. Take note that these two are great credit cards for now. Since credit companies are constantly changing rules and regulations, the “best” credit card is also changing.

Anyway, both these cards have an interest free introductory period of one year and both allow free balance transfers. It is important that you read the fine print properly because sometimes the “free” balance transfer has hidden fees that you wouldn’t know until the last minute. Both don’t have annual fees and allow online bill payments and other transactions. After your introductory period expires, these two cards have significant changes.

The Citicard Platinum’s interest rate goes up to 11.24% while the Chase Platinum goes up by 14.24%. Both cards offer $0 liability on unauthorized purchases whereas other cards would charge you up to $50 liability. If you’re looking to pick from either one of these cards, go for the Citicard Platinum card. It has a lower interest rate after the introductory period and offers many rewards. Things to bear in mind when using this card is to pay your fees on time because their late charges are simply ridiculous and your annual income must be at least $12,000 to qualify for this card.

Currently, when it comes to zero percent balance transfer credit card, these two are the best because of their great introductory rates and the perks they offer after.