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

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Excellent/Good Credit Needed

Intro APR for Balance Transfer

0%
Intro APR for 18 billing cycles for balance transfers made in the first 60 days

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Regular APR

14.99% - 24.99%
Variable APR on purchases and balance transfers

Annual Fee

$0

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Excellent/Good Credit Needed

Benefits & KEY FEATURES Test

    • NEW OFFER: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.99% - 24.99% 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 NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

0%

Introductory APR on purchases for 18 billing cycles

Intro APR for Balance Transfer

0%

Intro APR for 18 billing cycles for balance transfers made in the first 60 days

Regular APR

14.99% - 24.99%

Variable APR on purchases and balance transfers

Annual Fee

$0

Citi Simplicity® Card - No Late Fees Ever

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Excellent/Good Credit Needed

Intro APR for Balance Transfer

0%*
for 21 months

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Regular APR

15.99% - 25.99%*
(Variable)

Annual Fee

$0*

Apply Now

Excellent/Good Credit Needed

Benefits & KEY FEATURES Test

    • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
    • 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 15.99% - 25.99%, based on your creditworthiness
    • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, 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
    • 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 NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

0%*

for 12 months*

Intro APR for Balance Transfer

0%*

for 21 months

Regular APR

15.99% - 25.99%*

(Variable)

Annual Fee

$0*

Capital One® Quicksilver® Card - 0% Intro APR for 15 Months

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Excellent/Good Credit Needed

Intro APR for Balance Transfer

0%
for 15 months

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Regular APR

14.74% - 24.74%
(Variable)

Annual Fee

$0

Apply Now

Excellent/Good Credit Needed

Benefits & KEY FEATURES Test

    • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase, every day
    • 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; 14.74%-24.74% variable APR after that
    • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
    • Pay no annual fee or foreign transaction fees

Excellent/Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

0%

for 15 months

Intro APR for Balance Transfer

0%

for 15 months

Regular APR

14.74% - 24.74%

(Variable)

Annual Fee

$0

Citi® Double Cash Card – 18 month BT offer

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Excellent/Good Credit Needed

Intro APR for Balance Transfer

0%
for 18 months

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Regular APR

15.49% - 25.49%*
(Variable)

Annual Fee

$0*

Apply Now

Excellent/Good Credit Needed

Benefits & KEY FEATURES Test

    • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
    • Balance Transfers do not earn cash back
    • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% 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 NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

N/A

Intro APR for Balance Transfer

0%

for 18 months

Regular APR

15.49% - 25.49%*

(Variable)

Annual Fee

$0*

Barclaycard Ring® Mastercard®

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Apply Now

Good/Excellent Credit Needed

Intro APR for Balance Transfer

0% intro APR for 15 months on balance transfers made within 45 days of account opening

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Regular APR

13.99%
Variable

Annual Fee

$0

Apply Now

Good/Excellent Credit Needed

Benefits & KEY FEATURES Test

    • Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply
    • Low 13.99% variable APR on purchases and cash advances
    • No annual fee
    • No foreign transaction fees
    • International Chip and PIN
    • See Rates & Fees

Good/Excellent

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

N/A

Intro APR for Balance Transfer

0% intro APR for 15 months on balance transfers made within 45 days of account opening

Regular APR

13.99%

Variable

Annual Fee

$0

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