Advertiser Disclosure

0% Balance Transfer Credit Cards

Balance transfers can be a superb tool to pay off your credit card debt, especially if your balance is currently on a card with a high interest rate. This is why we like using one of the 0% Balance Transfer credit cards listed below, since they all offer cardholders a lengthy grace period to climb out of debt without having to pay interest fees along the way. The following are our favorite balance transfer credit cards offered by our partners:

BankAmericard® Credit Card

BankAmericard® Credit Card
Intro APR for Balance Transfer
0%
Intro APR for 15 billing cycles for balance transfers made in the first 60 days
Regular APR
14.49% - 24.49%
Variable APR on purchases and balance transfers
Annual fee
$0
Apply Now
Excellent/Good Credit

Benefits & Key features

  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.49% - 24.49% Variable APR. 3% fee (min $10) applies to balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

Excellent/Good Credit

Credit Needed
680
850
Intro APR
(Purchases)
0%
for 15 billing cycles
Intro APR
(Balance Transfer)
0%
Intro APR for 15 billing cycles for balance transfers made in the first 60 days
Ongoing APR
14.49% - 24.49%
Variable APR on purchases and balance transfers
Annual Fee
$0

Bank of America® Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card
Intro APR for Balance Transfer
0%
Intro APR for 12 billing cycles for balance transfers made in the first 60 days
Regular APR
14.74% - 24.74%
Variable APR on purchases and balance transfers
Annual fee
$0
Apply Now
Excellent/Good Credit

Benefits & Key features

  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 14.74% - 24.74% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store

Excellent/Good Credit

Credit Needed
680
850
Intro APR
(Purchases)
0%
for 12 billing cycles
Intro APR
(Balance Transfer)
0%
Intro APR for 12 billing cycles for balance transfers made in the first 60 days
Ongoing APR
14.74% - 24.74%
Variable APR on purchases and balance transfers
Annual Fee
$0

Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer
Intro APR for Balance Transfer
0%*
for 18 months
Regular APR
14.99% - 24.99%*
Variable
Annual fee
$0*
Apply Now
Excellent/Good Credit

Benefits & Key features

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

Excellent/Good Credit

Credit Needed
680
850
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
0%*
for 18 months
Ongoing APR
14.99% - 24.99%*
Variable
Annual Fee
$0*

HSBC Gold Mastercard® credit card

HSBC Gold Mastercard® credit card
Intro APR for Balance Transfer
0%
for 18 months
Regular APR
12.49% - 20.49%
Variable APR
Annual fee
$0
Apply Now
Excellent/Good Credit

Benefits & Key features

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.49%, 16.49% or 20.49% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees

Excellent/Good Credit

Credit Needed
680
850
Intro APR
(Purchases)
0%
for 18 months
Intro APR
(Balance Transfer)
0%
for 18 months
Ongoing APR
12.49% - 20.49%
Variable APR
Annual Fee
$0

Citi® Diamond Preferred® Card– 21 Month Balance Transfer Offer

Citi® Diamond Preferred® Card– 21 Month Balance Transfer Offer
Intro APR for Balance Transfer
0%*
for 21 months
Regular APR
14.49% - 24.49%*
Variable
Annual fee
$0*
Apply Now
Excellent/Good Credit

Benefits & Key features

  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that the variable APR will be 14.49% - 24.49%, based on your creditworthiness*
  • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.49% - 24.49%, based on your creditworthiness*
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
  • Free access to FICO® Scores*

Excellent/Good Credit

Credit Needed
680
850
Intro APR
(Purchases)
0%*
for 12 months
Intro APR
(Balance Transfer)
0%*
for 21 months
Ongoing APR
14.49% - 24.49%*
Variable
Annual Fee
$0*

Barclaycard Ring™ Mastercard®

Barclaycard Ring™ Mastercard®
Intro APR for Balance Transfer
N/A
Regular APR
10.49%
Variable
Annual fee
$0
Apply Now
Excellent Credit

Benefits & Key features

  • A low, variable APR on purchases, balance transfers and cash advances
  • No annual fee
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
  • See Rates & Fees

Excellent Credit

Credit Needed
720
850
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Ongoing APR
10.49%
Variable
Annual Fee
$0