The 8 Best Balance Transfer Credit Cards With Epic APR

Are you tired of paying high-interest rates on your credit card debt? Do you want to save money and pay off your debt faster? Look no further! We have compiled a list of the best 8 balance transfer credit cards with 0% APR. These cards offer a great opportunity to consolidate your debt and save money on interest charges. 

Balance transfer credit cards can be a game-changer for those struggling with high-interest debt. With a 0% APR introductory offer, you can transfer your existing balances to a new card and pay off your debt without accruing any additional interest charges. Plus, some of these cards offer rewards programs and other benefits to help you get the most out of your spending. Keep reading to see our top picks for the best balance transfer credit cards with 0% APR. 

1. Citi Simplicity Card

Why We Like It: The Citi Simplicity Card has no late fees, no penalty APR, and no annual fee. It also offers a long introductory period for balance transfers and purchases. 

Who Should Get It: This card is ideal for people who want to simplify their credit card payments and avoid additional fees. 

Pros: 

• 0% intro APR for 18 months on balance transfers and purchases 
• No late fees, no penalty APR, and no annual fee 
• 24/7 customer service 

Cons:  

• Balance transfer fee of either $5 or 5% of the amount of each transfer 
• Whichever is greater 

2. Chase Freedom Unlimited

Why We Like It: Chase Freedom Unlimited offers a generous cashback rewards program and a long introductory period for balance transfers.  

Who Should Get It: This card is ideal for people who want to earn greater cashback rewards while paying off their credit card debt. 

Pros: 

• 0% intro APR for 15 months on balance transfers and purchases 
• Unlimited 1.5% cash back on all purchases 
• No annual fee

Cons:  

• Balance transfer fee of either $5 or 5% of the amount of each transfer 
• Whichever is greater 

3. Discover it Cash Back

Why We Like It: The Discover it Cash Back offers a generous cashback rewards program and a long introductory period for balance transfers. 

Who Should Get It: This card is ideal for people who want to earn cashback rewards and save money on interest while paying off their credit card debt. 

Pros: 

• 0% intro APR for 14 months on balance transfers and purchases 
• 5% cash back on rotating categories each quarter 
• 1% cash back on all other purchases 

Cons:  

• Balance transfer fee of 3% of the amount of each transfer 

4. Wells Fargo Platinum Card

Why We Like It: The Wells Fargo Platinum Card offers 0% intro APR for 18 months on balance transfers and purchases with no annual fee. It also has 24/7 fraud monitoring and customer support for increased safety and convenience.  

Who Should Get It: This card is ideal for people who want a long introductory period to pay off their credit card debt. 

Pros: 

• 0% intro APR for 18 months on balance transfers and purchases 
• No annual fee 
• 24/7 fraud monitoring 

Cons:  

• Balance transfer fee of either $5 or 3% of the amount of each transfer 
• Whichever is greater 

5. BankAmericard Credit Card

Why We Like It: The BankAmericard Credit Card offers 0% intro APR for 18 billing cycles on balance transfers and purchases with no additional annual fee. 

Who Should Get It: This card is ideal for people who want to earn cashback while paying off their credit card debt and avoid annual fees for a long time. 

Pros: 

• 0% intro APR for 18 billing cycles on balance transfers and purchases 
• No annual fee 
• Access to FICO credit score

Cons:  

• Balance transfer fee of either $10 or 3% of the amount of each transaction  
• whichever is greater 

6. HSBC Gold Mastercard Credit Card

Why We Like It: The HSBC Gold Mastercard Credit Card offers a long introductory period for balance transfers and purchases without charging you any pesky hidden annual fee. It is also safe to use as your transactions will be monitored by 24/7 fraud protection system.  

Who Should Get It: This card is ideal for people who want a long introductory period to pay off their credit card debt and don’t want to pay any additional fees. 

Pros: 

• 0% intro APR for 18 months on balance transfers and purchases 
• No annual fee 
• 24/7 fraud protection 

Cons: 

• Balance transfer fee of either $10 or 4% of the amount of each transfer 
• Whichever is greater 

7. Capital One Quicksilver Cash Rewards Credit Card

Why We Like It: The Capital One Quicksilver Cash Rewards Credit Card offers a generous cashback rewards program and a long introductory period for balance transfers and purchases. 

Who Should Get It: This card is ideal for people who want to earn cashback rewards and avoid extra fees while paying off their credit card debt. 

Pros: 

• 0% intro APR for 15 months on balance transfers and purchases 
• Unlimited 1.5% cash back on all purchases 
• No annual fee 

Cons:  

• Balance transfer fee of 3% of the amount of each transfer 

8. US Bank Visa Platinum Card

Why We Like It: The US Bank Visa Platinum Card offers a long introductory period for balance transfers and purchases with exciting cashback prices and no annual fees. 

Who Should Get It: This card is ideal for people who want a long introductory period to pay off their credit card debt and avoid fees. 

Pros: 

• 0% intro APR for 20 billing cycles on balance transfers and purchases 
• No annual fee 
• Cell phone protection 

Cons:  

• Balance transfer fee of either $5 or 3% of the amount of each transfer 
• Whichever is greater 

Overall, these balance transfer credit cards with 0% APR can help you save money and pay off your credit card debt faster. Choose the one that best fits your needs and start paying off your debt today. 

Frequently Asked Questions 

Balance transfer credit cards are an excellent way to consolidate high-interest credit card balances into a single, low-interest payment. Here are some frequently asked questions about the best 8 balance transfer credit cards with 0% APR. 

1. What is a balance transfer credit card? 

A balance transfer credit card is a credit card that allows you to transfer the balance from one or more credit cards to a new card. The main benefit of a balance transfer card is that it typically comes with a lower interest rate than your current credit cards. This means you can save money on interest charges and pay off your debt faster. 

It is important to note that most balance transfer credit cards come with a balance transfer fee, which is typically a percentage of the amount you transfer. Additionally, the low-interest rate is usually only for a limited time, and once the promotional period ends, the interest rate may increase. 

2. What are the benefits of using a balance transfer credit card? 

The main benefit of using a balance transfer credit card is the ability to consolidate your debt into a single payment with a lower interest rate. This can save you money on interest charges and help you pay off your debt faster. Additionally, some balance transfer credit cards offer rewards programs, cashback, or other benefits that can help you save even more money. 

However, it is important to use a balance transfer credit card responsibly and avoid accumulating additional debt. It is also crucial to make sure you can pay off the balance transfer before the promotional period ends, as the interest rate may increase significantly after that time. 

3. How do I choose the right balance transfer credit card? 

Choosing the right balance transfer credit card depends on your individual needs and financial situation. Some factors to consider include the length of the promotional period, the balance transfer fee, the interest rate after the promotional period ends, and any rewards or benefits offered by the card. 

It is also essential to consider your ability to pay off the balance transfer before the promotional period ends, as well as your overall creditworthiness. You should also read the fine print carefully and understand all of the terms and conditions associated with the card before applying. 

4. What should I do after I transfer my balance to a new credit card? 

After you transfer your balance to a new credit card, it is important to continue making payments on time and avoid accumulating additional debt. You should also monitor your credit score regularly to ensure that your credit utilization ratio remains low. 

If possible, try to pay off the balance transfer before the end of the promotional period to avoid paying high-interest rates. Additionally, you may want to consider closing the old credit cards to avoid accumulating additional debt and improve your credit utilization ratio. 

In today’s fast-paced world, credit card debt is common. It has become a major issue to pay credit card debts with high fees and interest. But, with the help of balance transfer credit cards, you can easily transfer your high-interest credit card balances to a card with a 0% APR. It is the best way to pay credit card debt and can help you save money on interest payments and get out of debt faster. 

When choosing a balance transfer credit card, it’s essential to consider your financial situation and credit score. Make sure to read the terms and conditions carefully before applying for a card. With the right balance transfer credit card, you can save money and get out of debt faster. There are a number of balance transfer credit cards specifically for businesses. Check them out and enjoy the convenience and more savings.