The Best Credit Cards for Balance Transfer With 0% APR

Are you drowning in credit card debt and struggling to make your monthly payments? A balance transfer credit card with 0% APR introductory offer could be the solution you need to control your finances.

In this article, we’ll explore the 12 best 0% APR credit cards for balance transfers, analyzing their features, benefits, and potential drawbacks. Whether you’re looking to save money on interest or consolidate your debts into one manageable payment, we’ve got you covered. So, let’s dive in and find the perfect balance transfer credit card for you!

Here are the 12 Best 0% APR Credit Cards for Balance Transfers:

Chase Freedom Unlimited
Citi Simplicity
Discover it Cash Back
Wells Fargo Platinum
BankAmericard credit card
Capital One Quicksilver Cash Rewards
U.S. Bank Visa Platinum Card
Amex EveryDay Credit Card
HSBC Gold Mastercard
Barclaycard Ring Mastercard
Capital One SavorOne Cash Rewards
Blue Cash Everyday Card from American Express

Get 0% APR on balance transfers and save money on interest charges with these credit cards.

1. Chase Freedom Unlimited

Why We Like It: Chase Freedom Unlimited offers a 0% APR introductory period on balance transfers for 15 months, along with a rewards program that earns 1.5% cash back on all purchases. There’s also no annual fee, making it a great option for those looking to save money on interest and fees.

Who Should Get It: This card is ideal for anyone who wants to consolidate their credit card debt while also earning rewards on their purchases. The 0% APR offer and cashback rewards make it a great all-around option.

Pros:

Generous 0% APR introductory period on balance transfers for 15 months
1.5% cash back on all purchases
No annual fee
Cash back rewards program

Cons:

Balance transfer fee of 3% (minimum $5)
No bonus categories for additional rewards
Requires good to excellent credit

2. Citi Double Cash

Why We Like It: The Citi Double Cash offers a 0% APR introductory period on balance transfers for 18 months, along with a rewards program that earns 2% cash back on all purchases. There’s also no annual fee, making it a great option for those looking to save money on interest and fees.

Who Should Get It: This card is ideal for anyone who wants to consolidate their credit card debt while also earning a competitive cash back rate on their purchases. The 0% APR offer and cash back rewards make it a great all-around option.

Pros:

Long 0% APR introductory period on balance transfers for 18 months
2% cash back on all purchases (1% when you buy, 1% when you pay)
No annual fee
Competitive cash back rewards program

Cons:

Balance transfer fee of 3% (minimum $5)
No bonus categories for additional rewards
Requires good to excellent credit

3. Discover it Cash Back

Why We Like It: The Discover it Cash Back offers a 0% APR introductory period on balance transfers for 14 months, along with a rewards program that earns 5% cash back on rotating bonus categories and 1% cash back on all other purchases. There’s also no annual fee, making it a great option for those looking to save money on interest and fees.

Who Should Get It: This card is ideal for anyone who wants to consolidate their credit card debt while also earning a high cashback rate on their purchases. The rotating bonus categories can offer even more rewards, making it a great option for those who like to maximize their rewards.

Pros:

0% APR on balance transfers for 14 months
High cash back rewards program
5% cash back on rotating bonus categories (up to $1,500 in purchases per quarter) and 1% cash back on all other purchases
No annual fee

Cons:

Balance transfer fee of 3% (minimum $5)
Rotating bonus categories may not always align with your spending habits
Requires good to excellent credit

4. Wells Fargo Platinum

Why We Like It: Wells Fargo Platinum offers a 0% APR introductory period on balance transfers of 18 months, making it one of the longest offers available. There’s also no annual fee, making it a great option for those looking to save money on interest and fees.

Who Should Get It: This card is ideal for anyone who wants to consolidate their credit card debt and have a longer period of time to pay it off without accruing interest. The lack of rewards may not be a downside for those looking solely for a balance transfer card.

Pros:

Long 0% APR introductory period on balance transfers for 18 months
No annual fee
Flexible payment options

Cons:

No rewards program
Balance transfer fee of 3% (minimum $5)
Requires good to excellent credit

5. U.S. Bank Visa Platinum

Why We Like It: The U.S. Bank Visa Platinum offers a 0% APR introductory period on balance transfers for 20 billing cycles, making it one of the longest offers available. There’s also no annual fee, making it a great option for those looking to save money on interest and fees.

Pros:

0% APR introductory period on balance transfers for 20 billing cycles
No annual fee
Flexible payment options

Cons:

No rewards program
Balance transfer fee of 3% (minimum $5)
Requires good to excellent credit

6. Capital One Quicksilver Cash Rewards

Why We Like It: The Capital One Quicksilver Cash Rewards offers a 0% APR introductory period on balance transfers for 15 months, along with a rewards program that earns 1.5% cash back on all purchases. There’s also no annual fee, making it a great option for those looking to save money on interest and fees.

Pros:

Generous 0% APR introductory period on balance transfers for 15 months
1.5% cash back on all purchases
No annual fee
Cash back rewards program

Cons:

Balance transfer fee of 3% (minimum $5)
No bonus categories for additional rewards
Requires good to excellent credit

7. Bank of America Cash Rewards

Why We Like It: The Bank of America Cash Rewards offers a 0% APR introductory period on balance transfers for 15 billing cycles, along with a rewards program that earns cash back in various categories. There’s also no annual fee, making it a great option for those looking to save money on interest and fees.

Who Should Get It: For those who wish to pay off their credit card debt and get cash back on their purchases at the same time, this card is perfect. It’s an excellent choice all around because of the 0% APR offer and cashback incentives.

Pros:

Generous 0% APR introductory period on balance transfers for 15 billing cycles
Earn cash back in various categories
No annual fee
Cash back rewards program

Cons:

Balance transfer fee of 3% (minimum $10)
Categories for cash back rewards are limited
Requires good to excellent credit

8. HSBC Gold Mastercard

Why We Like It: The HSBC Gold Mastercard offers a 0% APR introductory period on balance transfers for 18 months, making it a great option for those looking to save money on interest charges. There’s also no annual fee, making it a great option for those looking to save money on fees.

Pros:

Long 0% APR introductory period on balance transfers for 18 months
No annual fee
Flexible payment options

Cons:

No rewards program
Balance transfer fee of 4% (minimum $10)
Requires good to excellent credit

9. American Express Cash Magnet

Why We Like It: The American Express Cash Magnet offers a 0% APR introductory period on balance transfers for 15 months, along with a rewards program that earns 1.5% cash back on all purchases. There’s also no annual fee, making it a great option for those looking to save money on interest and fees.

Pros:

0% APR introductory period on balance transfers for 15 months
1.5% cash back on all purchases
No annual fee
Cash back rewards program

Cons:

Balance transfer fee of 3% (minimum $5)
No bonus categories for additional rewards
Requires good to excellent credit

10. Barclaycard Ring

Why We Like It: The Barclaycard Ring offers a 0% APR introductory period on balance transfers for 15 months, along with a low ongoing APR and no balance transfer fee. There’s also no annual fee, making it a great option for those looking to save money on interest and fees.

Who Should Get It: This card is ideal for anyone who wants to consolidate their credit card debt and has a low ongoing APR. The lack of rewards may not be a downside for those looking solely for a balance transfer card.

Pros:

Generous 0% APR introductory period on balance transfers for 15 months
Low ongoing APR
No balance transfer fee
No annual fee

Cons:

No rewards program
Requires good to excellent credit

11. Navy Federal Credit Union Platinum

Why We Like It: The Navy Federal Credit Union Platinum offers a 0% APR introductory period on balance transfers for 12 months, along with a low ongoing APR and no balance transfer fee.

Who Should Get It: Anyone who wishes to reduce their credit card debt should use this card because it offers a low continuing APR. For those only interested in a balance transfer card, the absence of rewards may not be a drawback.

Key Features List:

0% APR on balance transfers for 12 months
Low ongoing APR
No balance transfer fee
No annual fee

Pros:

No balance transfer fee
No annual fee
Flexible payment options

Cons:

No rewards program
Requires membership in Navy Federal Credit Union

12. PNC Core Visa

Why We Like It: The PNC Core Visa offers a 0% APR introductory period on balance transfers for 15 months, along with a rewards program that earns points on all purchases. Also, you will not have to pay any annual fee, making it a great option for saving money on interest and fees.

Who Should Get It: This card is ideal for anyone who wants to consolidate their credit card debt while also earning rewards on their purchases.

Pros:

0% APR introductory period on balance transfers for 15 months
Earn points on all purchases
No annual fee
Rewards Program

Cons:

Balance transfer fee of 3% (minimum $5)
No bonus categories for additional rewards
Requires good to excellent credit

Frequently Asked Questions

Here are some commonly asked questions about the 12 best 0% APR credit cards for balance transfers.

1. What are 0% APR credit cards for balance transfers?

0% APR credit cards for balance transfers are credit cards that offer an introductory 0% interest rate for a specified period of time on balances transferred from other credit cards. This means that you won’t have to pay any interest on your transferred balance during the introductory period, which can help you save money on interest charges and pay off your debt faster.

It’s important to note that after the introductory period ends, the interest rate will typically increase to a higher rate. You’ll want to make sure you’re aware of the regular interest rate and any fees associated with the card before applying.

2. How long do the introductory 0% APR periods last?

The length of the introductory 0% APR period varies depending on the credit card issuer and the specific card. Generally, introductory periods can range from 6 to 18 months. Some cards may offer longer introductory periods, but those are less common. It’s important to understand the length of the introductory period and make sure it gives you enough time to pay off your transferred balance without incurring any interest charges.

Keep in mind that if you don’t pay off your transferred balance before the introductory period ends, you’ll start accruing interest at the regular rate. Make sure to budget your payments accordingly to avoid this.

3. What fees are associated with 0% APR credit cards for balance transfers?

While the 0% APR offer may sound enticing, there are often fees associated with balance transfers. These fees can include a balance transfer fee, which is typically a percentage of the amount transferred, and an annual fee. Some cards may also have a penalty APR, which is a higher interest rate that applies if you make a late payment or miss a payment.

Before applying for a 0% APR credit card for balance transfers, make sure to read the terms and conditions carefully to understand what fees may apply. You’ll want to make sure that any fees associated with the card don’t negate the benefits of the 0% APR offer.

4. Can I use a 0% APR credit card for balance transfers to pay off other types of debt?

Yes, you can use a 0% APR credit card for balance transfers to pay off other types of debt, such as personal loans, car loans, or even other credit cards. However, it’s important to understand that some credit card issuers may limit what types of debt you can transfer to their card. Additionally, you’ll want to make sure that the interest rate on the 0% APR card is lower than the interest rate on the debt you’re transferring.

Using a 0% APR credit card for balance transfers to pay off other types of debt can be a useful tool for consolidating your debt and saving money on interest charges. However, make sure to budget your payments carefully and avoid using the card for new purchases, as those may accrue interest at a higher rate.

5. How can I qualify for a 0% APR credit card for balance transfers?

To qualify for a 0% APR credit card for balance transfers, you’ll typically need to have good to excellent credit. This means having a credit score of 670 or higher. You’ll also need to meet the credit card issuer’s income requirements and have a stable employment history.

Keep in mind that applying for a credit card can temporarily lower your credit score, so it’s important to only apply for cards that you’re confident you’ll be approved for. You can also consider pre-qualifying for credit cards before submitting a formal application to minimize the impact on your credit score.

Credit cards have become indispensable in today’s society. Finding the ideal credit card, though, can be challenging. You’re in luck if you’re looking for a credit card with 0% APR on balance transfers. It might be difficult to select the ideal option for your needs when there are so many possibilities accessible.

We’ve done the research and put together a list of the top 12 credit cards with 0% interest rates for balance transfers for you. These cards provide a number of advantages, such as no annual fees, low-interest rates, and cashback rewards. These cards can help you manage your money and save money whether you’re trying to pay off debt or make a sizable purchase. Check out for more information!