The Featured 0% Balance Transfer & Purchase Cards are available below from longest 18 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.
| Chase Sapphire Preferred® Card60K Points after $4,000 spend within 3 months. | Citi Premier® Card 60K Points after $4,000 spend within 3 months |
| The Platinum Card® from American Express 80K Points after $6,000 spend within 6 months | Capital One Venture Rewards Credit Card 75K Points after $4,000 spend within 3 months |
| American Express® Gold Card 60K Points after $4,000 spend within 6 months | Citi CustomSM Cash Card $200 Bonus after $750 spend within 3 months |
| Chase Freedom FlexSM $200 Bonus after $500 spend within 3 months | Chase Freedom Unlimited® Card earn an additional 1.5% cash back on everything you buy (on up to $20K spent in the first year) - worth up to $300 cash back! |
| Blue Cash Preferred® Card from American Express $250 Welcome Offer after $3,000 spend within 6 months | Blue Cash Everyday® Card from American Express $200 Welcome Offer after you spend $2,000 in purchases on your new Card within the first 6 months. |
| Ink Business Preferred® Card 100K Points after $15,000 spend within first 3 months | Ink Business Unlimited® Credit Card $750 Bonus after $6,000 spend within 3 months |
| U.S. Bank Altitude® Go Visa Signature® Card $200 Bonus after $1,000 spend within 90 days | Capital One Quicksilver Cash Rewards Card $200 Bonus after $500 spend within 3 months |
Editor’s Choice 0% Balance Transfer Card
0% APR on Balance Transfers & Purchases Cards
 The Chase Freedom FlexSM offers a $200 bonus after you spend $500 on purchases in your first 3 months from account opening. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%. You'll earn: • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! • 5% cash back on travel purchased through Chase Ultimate Rewards, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • Unlimited 1% cash back on all other purchases You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. This card has no annual fee. |
 The Chase Freedom Unlimited® Card offers an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%. Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). In addition, you can earn (after your first year or $20,000 spent): • 5% cash back on Chase travel purchased through Ultimate Rewards • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, • Unlimited 1.5% cash back on all other purchases. There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open. This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM. |
 The Blue Cash Everyday® Card from American Express offers $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.99% to 29.99% variable APR. You'll earn: • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. • 1% back on other eligible purchases. • Get $7 back each month after using your Blue Cash Every Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits. There are no annual fees with this card (See Rates & Fees). Terms Apply. |
 The Capital One Quicksilver Cash Rewards Card offers $200 Cash Back after spending $500 on purchases within 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; 19.74%-29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months. You'll earn: • 1.5% Cash Back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards. • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024 This card comes with no annual fee and no foreign transaction fees which makes this card a viable option for your go-to everyday card. |
 The Ink Business Unlimited® Credit Card offers $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. You'll earn an unlimited 1.5% cash back on every purchase made for your business and you'll receive employee cards at no additional cost. This card carries no annual fee. |
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.
 The United ClubSM Infinite Card offers 80,000 bonus miles +1,000 Premier qualifying points after you spend $5,000 on purchases in the first 3 months your account is open. You'll earn: • 4X miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. • 2X miles per $1 spent on all other travel • 2X miles per $1 spent on dining including eligible delivery services • 1X mile per $1 spent on all other purchases This card does carry an annual fee of $525. However, you can get up to $100 Global Entry, TSA PreCheck or NEXUS fee credit. In addition, you'll get a savings of up to $320 per roundtrip (terms apply) by getting your first and second checked bags for free! |
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Thanks for your “Balance Transfer Credit Card Tips”! I learned something new…I feel so empowered as I was reading it! Keep up the good work Mr.Nguyen!
When will I receive the chase total checking bonus code
Chase has been horrible to me since 2003 when they robbed me of my mortgage insurance (about 350 per month) as they instructed an employee to continue takiing my mortgage insurance even though a worker had my loan kick out of their system due to insurance cancellation after second month ( due to Texas insurance law that if the previous owner has had 3 or more insurance claims, they can cancel insurance belonging to new owners of that property—previous owners lied on sellers disclosure and no rights for new owners). Now, I open bank accounts and get their promotions, then close the accounts. I NEVER will have another Chase credit card, because they are thieves and they closed my brothers line of credit that he needed because he paid it off each month. If chase cant get money out of you, they will close your account!
I applied and was approved for a Chase Slate card this past September. They transferred a balance at 0% interest for 15 months. 3 months later, they closed the account along with another Chase credit card I don’t use. What gives? It just happened yesterday on Dec. 19th. I have to wait till Monday to find out. I have always been a little early in paying Slate and have a zero balance on the other card I’ve had for years. I do have a dispute with a merchant so that may be the reason why although disputes happen all the time. Whatever the reason, it’s not due to delinquency or default. I have read about others on the internet who’s account has also been suddenly closed by Chase. No warning, no letter in advance, no e-mail. You just try to use your card and you’re asked for another. So, buyer be ware. Chase has been very difficult to me and my family over the years, despite having stellar credit. If you’re concerned about sudden account closing credit cards, do some research. It just so happens when I did this search today, I found Chase to be one of those cards.
BT is included above as all have 3% BT fee. For example, if you personally wanted to trasndfer $1000 from an account to one of the accounts listed, there would be a BT fee of $30 or 3% of $1000.
Isn’t Chase Slate still 0% and 0 fee?
I just got an offer from mail. Isn’t Capitalone now offer 0% APR, 0 % Balance Transfer, and no fee for transfer balance?
If we carry a large balance from month to month, the right choice is Cimplicity Citi card or other Citi. Why? This credit card offers 0 APR for 18 months. This is a great opportunity to pay off the outstanding balance. Citi Cimplicity also does not charge late payment fee and penalty APR.
Capital One Platnium Prestige 0%APR till June 2013 NO BT fee, only thing is require excellent credit. It is a good option to get the Chase credit cards out of debts.
The Capital One Platinum Prestige has a 3% BT fee, so I am not sure where you got the NO BT from.
Hi, definitely a good list. I think you should have included what the BT FEE is. Minimum fee and percentage charged.