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:

Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card
Intro APR for Balance Transfer
0%
intro on balance transfers for 15 months
Regular APR
15.99% - 24.74%
Variable
Annual fee
$0
Apply Now
Excellent/Good Credit

Benefits & Key features

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.99%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.99%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No annual fee
  • No foreign transaction fees

Excellent/Good Credit

Credit Needed
680
850
Intro APR
(Purchases)
0%
for 15 months
Intro APR
(Balance Transfer)
0%
intro on balance transfers for 15 months
Regular APR
15.99% - 24.74%
Variable
Annual Fee
$0

Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever
Intro APR for Balance Transfer
0%*
for 18 months
Regular APR
15.49% - 25.49%*
Variable
Annual fee
$0*
Apply Now
Excellent/Good Credit

Benefits & Key features

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Excellent/Good Credit

Credit Needed
680
850
Intro APR
(Purchases)
0%*
for 18 months
Intro APR
(Balance Transfer)
0%*
for 18 months
Regular APR
15.49% - 25.49%*
Variable
Annual Fee
$0*

Citi ThankYou® Preferred Card

Citi ThankYou® Preferred Card
Intro APR for Balance Transfer
0%
for 15 months
Regular APR
14.99% - 24.99%*
Variable
Annual fee
$0*
Apply Now
Excellent Credit

Benefits & Key features

  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 14.99% - 24.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*

Excellent Credit

Credit Needed
720
850
Intro APR
(Purchases)
0%
for 15 months
Intro APR
(Balance Transfer)
0%
for 15 months
Regular APR
14.99% - 24.99%*
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
Regular APR
10.49%
Variable
Annual Fee
$0