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 UnlimitedSM offers $150 signup bonus after you spend $500 on purchases within the first three months. If you add an authorized user and make your first purchase within the first three months, you'll earn an additional $25 bonus. The Chase Freedom UnlimitedSM lets you earn an unlimited 1.5 percent cash back on all purchases which you can redeem your cash back rewards at any time and for any amount. The card works best for cardholders who enjoy earning Ultimate Rewards® points with the Chase Sapphire Preferred® in order to convert UR points for better redemption options such as Hyatt or United. Best of all, the card has no annual fee! Apply Now---Freedom Unlimited 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 month BT offer||18 Months||None||3% of each balance transfer; $5 minimum||$0||Review|
|Chase Freedom UnlimitedSM Card ($150 bonus)||15 Months||15 Months||5% of the amount of each transfer; $5 minimum||$0||Review|
|U.S. Bank Visa® Platinum Card||15 Months||15 Months||Either 3% of the amount of each transfer or $5 minimum, whichever is greater.||$0||Review|
|Amex EveryDay® Preferred Credit Card from American Express||12 Months||12 Months||3% of each balance transfer; $5 minimum||$95||Review|
|Amex EveryDay® Credit Card from American Express||12 Months||12 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||$95||Review|
|Barclaycard Arrival PlusTM World Elite MasterCard®(50K 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.