The Featured 0% Balance Transfer & Purchase Cards are available below from longest 21 months to the lowest 12 months intro period. If you are carrying a high balance and paying interest each month, you can save a lot of money by doing a balance transfer of your balance to a 0% intro offer credit card. It’s important to factor in the balance transfer fee of 3% of your total balance. Some cards below also have sign up bonus which can help you offset the balance transfer fee. After doing a balance transfer, simply pay the minimum each month and pay no interest for the duration of your terms. However, I highly recommend to pay off your balance by the end of your 0% intro period so you will not have to pay any more interest.
Editor’s Choice 0% Balance Transfer Card
|Chase Freedom® offers a $150 cash back bonus for new cardholders that spend $500 during the first three months of membership. You'll earn an additional $25 bonus after you add your first authorized user and make a purchase within this same 3-month period. New members will also get 0% introductory APR on balance transfers and purchases for 15 months. This great cash rewards credit card is designed for those of you who want to earn easy cash back bonuses in return for your spending. From April 1st – June 30th, get the chance to continue earning 5%, up to $1,500 in combined purchases, at grocery stores and wholesale clubs. For all other purchases, you'll earn unlimited 1% cash back. Best of all, there is no annual membership fee. Apply Now---Chase Freedom $150 Bonus Review|
|Credit Cards from Our Partners||Balance Transfer 0% APR Intro||Purchases 0% APR Intro||BT Fee||Annual Fee||Review|
|Citi Simplicity® Card - No Late Fees Ever||21 Months||21 Months||3% of each balance transfer; $5 minimum||$0||Review|
|Citi® Diamond Preferred® MasterCard||21 Months||21 Months||3% of each balance transfer; $5 minimum||$0||Review|
|Citi® Double Cash Card||18 Months||None||3% of each balance transfer; $5 minimum||$0||Review|
|Chase Freedom® ($150 bonus)||15 Months||15 Months||5% of the amount of each transfer; $5 minimum||$0||Review|
|Amex EveryDay® Preferred Credit Card from American Express||15 Months||15 Months||3% of each balance transfer; $5 minimum||$95||Review|
|Amex EveryDay® Credit Card from American Express||15 Months||15 Months||3% of each balance transfer; $5 minimum||$0||Review|
|Blue Cash Everyday® Card from American Express||12 Months||12 Months||3% of each balance transfer; $5 minimum||$0||Review|
|Blue Cash Preferred® Card from American Express||12 Months||12 Months||3% of each balance transfer; $5 minimum||$75||Review|
|Barclaycard ArrivalTM World MasterCard®(20K Points bonus)||12 Months||None||3% of each balance transfer; $5 minimum||$0||Review|
|Barclaycard Arrival PlusTM World Elite MasterCard®(40K Points bonus)||12 Months||None||3% of each balance transfer; $5 minimum||$0 first year, $89 thereafter||Review|
Balance Transfer Credit Card Tips
- To offset balance transfer fee, you may want to pick the credit cards with sign up bonuses. After fulfilling the spending requirement to get the sign up bonus, then you can ask for the 0% balance transfer. Make sure to do it within the allowable time frame, usually within 3 months of account opening.
- Find the best credit cards with 0% intro APR on both balance transfers and purchases. Before doing a balance transfers, always ask for a credit limit increase without a hard pull to get the maximum amount for doing a balance transfers.
- Make sure to always pay on time and never skip any or pay them late. This is extremely important because you may lose the benefit of the 0% intro APR for late payments and will revert back to high interest rate.
- Figure out how you can pay off your balance in full before the 0% intro APR on balance transfers expires. If you don’t, then you simply will go back into paying high interest rate again.
- Understand the fees you will have to pay for doing a balance transfer. Most card issuers charge a balance transfer fee of 3-5% each time you do a balance transfer. It may be possible to negotiate with the BT fee or ask them for a cap. There is no hurt in trying.