18 months of 0% intro APR on both purchases and balance transfers, a lower-than-usual 3% transfer fee and a low ongoing APR if you still carry a balance after that.
The bottom line
The Crestview Low Rate Card is the safest choice if you’re not sure you’ll pay off your balance during the intro period. The regular APR is several points lower than most cards.
Crestview Low Rate Card
- Annual fee:$0
- Rewards rate:None
- Intro APR:0% for 18 months
- Transfer fee:3% intro, then 5%
- Regular APR:16.24%–24.74% Variable
- Credit score:670–850 (Good–Excellent)
Rates & fees apply. Offer terms set by the issuer.
Pros and cons
- 0% intro APR on purchases and transfers
- Low ongoing APR
- 3% intro transfer fee
- No annual fee
- No rewards
- Requires good credit
Detailed review
Most balance transfer cards are great for 18 or 21 months, then revert to a high APR. Crestview’s regular rate starts at 16.24%, among the lowest we track, so any balance left after the intro period costs you less.
The intro transfer fee is 3% for transfers made in the first 60 days, which saves $100 on a $5,000 transfer compared with the usual 5%.
Crestview Low Rate: the basics
- Card type: Low interest
- Annual fee: $0
- Intro APR: 0% on purchases and balance transfers for 18 months
- Balance transfer fee: 3% intro for 60 days, then 5%
- Interest rate: 16.24%–24.74% Variable APR
Ongoing rewards
- This card does not earn rewards.
- Its value comes from interest savings during and after the intro period.
Crestview vs. Harbor Bank Clear Balance
Harbor gives you 3 extra months at 0%, but charges a 5% transfer fee. On a $5,000 balance, Crestview saves $100 up front, and its regular APR is lower if you need more time.
Ledgerly tip
Transfer your balance within the first 60 days to lock in the 3% fee. After that, the fee jumps to 5%.
Benefits and perks
- Low ongoing APR starting at 16.24% Variable.
- Cell phone protection up to $600 per claim.
- No annual fee and no penalty APR.
Drawbacks and considerations
No rewards. Switch to a rewards card for everyday spending once your balance is paid.
Shorter intro than some rivals. Harbor Bank offers 21 months.
Compare to other cards
-
Harbor Bank Clear Balance Card
0% APR for 21 months
- Annual fee:$0
- Rewards rate:None
- Intro APR:0% for 21 months
- Transfer fee:5% (min $5)
- Regular APR:18.99%–29.24% Variable
- Credit score:670–850 (Good–Excellent)
Rates & fees apply. Offer terms set by the issuer.
-
Brightline Cash Plus Card
$200 cash bonus
- Annual fee:$0
- Rewards rate:2%–5% cash back
- Intro offer:$200 bonus
- Intro APR:0% for 15 months
- Regular APR:19.49%–28.49% Variable
- Credit score:670–850 (Good–Excellent)
Rates & fees apply. Offer terms set by the issuer.
Is it right for you?
If you want a long 0% period with a safety net, the Crestview Low Rate Card’s low regular APR makes it the most forgiving balance transfer card.
0% intro APR on purchases and balance transfers for 18 months, then one of the lowest ongoing APRs we track.
Rates & fees apply. Offer terms set by the issuer.
Frequently asked questions
Does the 0% APR apply to purchases too?
Yes. Both purchases and balance transfers get 0% for 18 months.
When does the 3% transfer fee apply?
For transfers made within 60 days of opening the account.
Is there a penalty APR?
No.