Here are more things to think about and to look out for when thinking about a zero balance transfer credit cards. What is the future rate of the credit card once the balance transfer offer expires? Some of the companies that offer 0 balance transfer credit cards are Bank of America Very bad credit credit cards are available but they are very high interest. You may want to consider getting a secured credit card instead of this kind of card just because the cost will be high and your situation may not benefit.Visa platinum plus card who offers 0% APR on purchases and balance transfers for six billing cycles. Be careful of the credit card checks. This isn’t all that scientific. Sometimes the checks seem attractive but if you don’t check you may end up getting charged a different set of interests for using the check.