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® Card 60K Points after $4,000 spend within 3 months.||Chase Freedom FlexSM $200 Bonus after $500 spend within 3 months|
|The Platinum Card® from American Express 80K Points after $8,000 spend within 6 months. Terms Apply.||Capital One Venture Rewards Credit Card 75K Points after $4,000 spend within 3 months|
|American Express® Gold Card 60K Points after $6,000 spend within 6 months. Terms Apply.||Chase Freedom Unlimited® Card earn an additional 1.5% cash back on everything you buy!|
|Blue Cash Preferred® Card from American Express $250 Welcome Offer after $3,000 spend within 6 months. Terms Apply.||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. Terms Apply.|
|Ink Business Preferred® Card 100K Points after $8,000 spend within first 3 months||Ink Business Unlimited® Credit Card $900 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%.
• 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:
SPECIAL OFFER: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match.
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
In addition, you can earn:
• 5% cash back on travel purchased through Chase Ultimate Rewards
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services
• 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, 19.24% to 29.99% variable APR.
• 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.
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).
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; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months.
• 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 $900 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 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
• 4 miles per $1 spent on United purchases
• 2 miles per $1 spent on all other travel and dining
• 1 mile per $1 spent on all other purchases
• Earn up to 8,000 Premier qualifying points (500 PQP for every $12K you spend on 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 and Premier Access travel services!