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9 Best Balance Transfer Credit Cards With 0% APR


Advertiser Disclosure: This put up consists of references to presents from our companions. We obtain compensation whenever you click on on hyperlinks to these merchandise. Nevertheless, the opinions expressed listed here are ours alone and at no time has the editorial content material been supplied, reviewed, or authorized by any issuer.

In the event you’re in search of methods to cut back and in the end eliminate high-interest credit card debt, you could have a number of choices.

You may dramatically scale back your publicity to curiosity prices by forgoing bank card utilization completely or scrupulously paying off your bank card balances in full every month. You may search out low-APR credit cards that don’t cost you as a lot to hold balances from month to month. Or you may search for bank cards with engaging balance transfer promotions or low common steadiness switch APRs.

One of the best steadiness switch bank cards typically have beneficiant 0% APR introductory durations that stretch for longer than 12 months. Many have engaging common steadiness switch APRs that stay considerably beneath different playing cards’ steadiness switch charges (and, typically, beneath their very own buy APRs). Some even have low or nonexistent steadiness switch charges.

Evaluating Steadiness Switch Credit score Playing cards: What to Know

In the event you intend to make use of a brand new bank card to make low- or no-interest steadiness transfers, keep in mind that your minimal month-to-month cost will all the time go towards that low- or no-interest steadiness. If the cardboard doesn’t even have a particular introductory buy APR, any purchases you make with that card will accrue curiosity prices except you pay them off in full by every assertion due date.

To keep away from curiosity prices on low- or no-APR steadiness switch playing cards with out buy APR promos, you could have two choices: repay all purchases in full every month and make the month-to-month minimal cost on any transferred balances, or chorus from making any purchases in any respect. In any other case, search for low- or no-APR steadiness switch playing cards with similar buy APR offers.

Additionally, pay particular consideration to:

  • The size of those playing cards’ promotional curiosity durations (if relevant)
  • The APR as soon as the promotional interval expires
  • Any phrases or restrictions that reduce their attraction

Keep in mind that playing cards with nice steadiness switch promotions typically are likely to have downsides, corresponding to nonexistent sign-up bonuses and meager rewards. Lastly, all the time decide to paying off the whole lot of your transferred steadiness by the top of the low- or no-interest promotional interval. In any other case, you’ll be hit with accrued curiosity.


Greatest Steadiness Switch Credit score Playing cards

These are the perfect bank cards for steadiness transfers in the marketplace proper now. Test again typically for the newest presents and updates.

1. U.S. Bank Visa® Platinum Card

0% Intro Steadiness Switch APR for 20 Months

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The U.S. Bank Visa® Platinum Card is an easy bank card with a wonderful steadiness switch promotion: 0% APR for the primary 20 months of card membership. To qualify, transfers have to be made inside 60 days of account opening.

This card doesn’t have many frills, however fringe advantages aren’t the primary attraction right here anyway. Two notable perks are mobile phone safety and a free credit score rating on demand.

  • Signal-Up Bonus: None.
  • Necessary Charges: There isn’t a annual price. Steadiness transfers value the larger of $5 or 3%. International transaction charges vary from 2% to three%, relying on how the transaction is denominated.
  • Introductory APR: The 0% intro APR interval applies to purchases and steadiness transfers for 20 months from account opening. After this era ends, variable common APR applies.
  • Different Perks: Earn complementary auto insurance coverage protection whenever you pay to your whole automobile rental together with your U.S. Financial institution Visa Platinum Card, plus mobile phone safety value as much as $600 per incident (much less a $25 deductible) and a free credit score rating on demand.

Learn our U.S. Bank Visa Platinum review for extra info. Discover out how one can apply for this card here.

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2. U.S. Bank Triple Cash Rewards World Elite™ Mastercard®

0% APR on Steadiness Transfers for the First 15 Billing Cycles

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Few small business credit cards supply introductory steadiness switch promotions. One of many lone standouts on this class is the U.S. Bank Triple Cash Rewards World Elite™ Mastercard®.

Whereas it’s true that the wonderful (although limited-time) sign-up bonus and beneficiant money again potential (3% money again on eligible internet purchases at workplace provide shops, eating places, gasoline stations, and mobile phone or service suppliers purchases) are the primary sights right here, a low APR on purchases and steadiness transfers for 15 billing cycles actually doesn’t damage.

As soon as the introductory interval is over, it nonetheless is smart to maintain this card round for the common money again scheme and perks like an annual $100 assertion credit score for recurring software program subscription bills.

  • Signal-up Bonus: For a restricted time, earn $500 bonus money again after spending $4,500 in eligible purchases on the account proprietor’s card throughout the first 150 days your account is open.
  • Necessary Charges: There isn’t a annual price or extra worker card price. The overseas transaction price is 3% of the transaction quantity.
  • Introductory APR: Get pleasure from 0% APR on steadiness transfers and purchases for the primary 15 billing cycles your account is open. Then, variable common APR applies, at present 13.99% to 22.99%.
  • Different Perks: Get pleasure from a bunch of World Elite Mastercard protections and advantages included with card membership. Plus, get an annual $100 assertion credit score for recurring software program subscription bills, corresponding to FreshBooks or QuickBooks.
  • Phrases and Circumstances Apply: See rates & fees

Study extra about this card and learn the way to use here.

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3. Citi® Double Cash Card

0% Intro Steadiness Switch APR for 18 Months; 1% Money Again on All Purchases; 1% Money Again on Steadiness Funds at or Above Minimal

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The Citi® Double Cash Card is a cash-back credit card with a pleasant steadiness switch promotion: 0% APR for 18 months on all steadiness transfers initiated inside 4 months (120 days) of account opening.

The Citi Double Money Card earns limitless 1% money again on all purchases, plus 1% money again on all month-to-month funds, supplied you at the least make the minimal cost on time. Put that collectively, and also you’ve received a limiteless 2% cash-back price. When you attain the $25 redemption minimal, you may redeem money again by assertion credit score, paper verify, or reward card.

  • Signal-Up Bonus: None.
  • Necessary Charges: There isn’t a annual price. The steadiness switch price is the larger of $5 or 3%. International transactions value 3%.
  • Introductory APR: 0% APR on steadiness transfers for 18 months. There’s no corresponding buy promotion. After the promotional interval ends, variable common APR applies.
  • Different Perks: Like different Citi playing cards, Double Money comes with Non-public Cross advantages (unique occasion and expertise entry).

See our Citi Double Cash Card review for extra info. Discover out how one can apply for this card here.

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4. Wells Fargo Platinum Credit Card

0% Intro APR on Steadiness Transfers for 18 Months

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The Wells Fargo Platinum Credit Card‘s 18-month 0% APR steadiness switch promotion makes it among the best playing cards within the enterprise for paying down high-interest bank card balances. The matching 0% APR promotion on purchases is a giant perk to cardholders seeking to finance main purchases over time with out incurring curiosity prices.

The dearth of rewards and no steadiness switch price waiver are each bummers, however these omissions do solely a lot to dampen the Wells Fargo Platinum Visa card’s attraction.

  • Signal-Up Bonus: None.
  • Introductory APR: Get pleasure from 0% APR on steadiness transfers for 18 months. Purchases additionally incur no curiosity for 18 months from account opening. Qualifying steadiness transfers have to be made inside 120 days of account opening. After the promotional interval ends, variable common APR applies.
  • Key Charges: There’s no annual price. Steadiness transfers value $5 or 3% of the transferred quantity, whichever is larger, for the primary 120 days. Then, the steadiness switch price rises to the larger of $5 or 5%. International transactions value 3%.
  • Different Perks: Get pleasure from on-demand entry to your FICO® rating by way of Wells Fargo On-line and a slew of complimentary advantages backed by Visa, together with a mobile phone safety plan (as much as $600 in reimbursement per declare for stolen or broken telephones, minus a $25 deductible), rental automobile insurance coverage whenever you pay in full together with your card, and roadside dispatch.

See our Wells Fargo Platinum Visa® Credit Card review for extra info. Study extra about this card and learn the way to use here.

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5. Citi Diamond Preferred Card

0% Intro Steadiness Switch APR for 18 Months

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The Citi® Diamond Preferred® Card is an easy product. The headline here’s a 18-month, 0% APR steadiness switch promotion that applies to steadiness transfers made inside 4 months (120 days) of your account opening date. New cardholders take pleasure in a 0% APR buy price for a similar size of time too.

In any other case, it is a fairly low-key card, with Citi® Non-public Cross® perks (unique occasion and expertise entry) amongst its prime attracts.

  • Signal-Up Bonus: None.
  • Necessary Charges: There are not any annual, late cost, or overseas transaction charges. The steadiness switch price is the larger of $5 or 3%.
  • Introductory APR: 0% on purchases and steadiness transfers for 18 months. After the promotional interval ends, variable common APR applies. Qualifying steadiness transfers have to be made inside 120 days of account opening.
  • Different Perks: Along with Non-public Cross, Citi® Concierge connects you around the clock with consultants able to crafting the proper night time (or day) out.

See our Citi Diamond Preferred Card review for extra info. Discover out how one can apply for this card here.

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6. Citi Simplicity® Card

0% Intro Steadiness Switch APR for 18 Months

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The Citi Simplicity® Card is, effectively, easy. Although it doesn’t supply a sign-up bonus or cash-back rewards, it has among the best steadiness switch promotions within the enterprise: 0% APR for 18 months from account opening. The absence of overseas transaction charges and late charges helps too.

The introductory price applies to all balances transferred inside 4 months (120 days) of account opening. After the promo interval ends, the steadiness switch APR rises to the variable common APR vary, which relies on prevailing rates of interest and your creditworthiness. The steadiness switch price is the larger of $5 or 3% of the transferred quantity.

  • Signal-Up Bonus: None.
  • Key Charges: There are not any annual, late cost, or overseas transaction charges. The steadiness switch price is the larger of $5 or 3%.
  • Introductory APR: 0% on purchases and steadiness transfers for 18 months, then variable common APR applies.
  • Different Perks: This card has some primary advantages, together with 24/7 customer support and the flexibility to decide on your cost due date.

See our Citi Simplicity Card review for extra info. Study extra about this card and learn the way to use here.

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7. Citi Custom Cash℠ Card

0% APR on Steadiness Transfers for 15 Months From Account Opening

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The Citi Custom Cash℠ Card is a cash back credit card with no annual price and a really engaging 0% APR steadiness switch promotion that lasts for 15 months from account opening. This promo pairs with an equally lengthy buy APR promotion as effectively. And a unbelievable money again program retains you incomes rewards at the same time as you repay that sticky bank card debt.

  • Signal-up Bonus: Earn $200 money again after you spend $750 within the first 3 months of card membership. This bonus is fulfilled as 20,000 ThankYou factors.
  • Necessary Charges: There’s no annual price. International transactions value 3% of the transaction quantity.
  • Introductory APR: Get pleasure from 0% APR on purchases and steadiness transfers for 15 months. Thereafter, variable common APR applies.
  • Different Perks: This card has a beneficiant money again program. Earn 5% money again on the primary $500 in purchases within the prime eligible spending class every month. Above the $500 month-to-month spending cap, earn 1% money again on prime class purchases and on all different eligible purchases as effectively. Spending classes eligible for the bonus embrace eating places, gasoline stations, choose journey, choose transit, choose streaming companies, dwell leisure, dwelling enchancment shops, and drugstores.

Study extra about this card and learn the way to use here.

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8. Citi Rewards+℠ Card

0% Intro Buy and Steadiness Switch APR for 15 Months; 2x Factors on Grocery store & Fuel Station Purchases

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The Citi Rewards+℠ Card is a rewards bank card with no annual price and a really beneficiant introductory APR promotion that covers each steadiness transfers and purchases.

The introductory interval lasts 15 months at 0% APR, with the steadiness switch APR kicking in solely after the primary switch. Thereafter, variable common APR applies, depending on cardholder creditworthiness and prevailing rates of interest.

Citi Rewards+ has a rewards program value writing dwelling about too. Eligible grocery store and gasoline station spending earns 2 factors per $1 spent (as much as $6,000 in mixed class spending per 12 months), whereas all different eligible spending earns limitless 1 level per $1 spent.

Even higher, this card rounds up rewards earned on each buy to the closest 10 factors. That’s sufficient to show a 5-point buy right into a 10-point buy, for instance. And Citi pays a bonus of 10% of redeemed factors annually, as much as the primary 100,000 factors redeemed throughout the interval.

All which means, for those who spend and redeem as it’s best to, your price of return on spending with the Citi Rewards+ can simply exceed 2% on grocery store and gasoline station purchases and 1% on all different purchases.

  • Signal-up Bonus: Earn 15,000 bonus factors after spending $1,000 on purchases inside three months of account opening (value as much as $150 when redeemed for reward playing cards).
  • Necessary Charges: There isn’t a annual price. International transactions value 3%.
  • Introductory APR: Get pleasure from a 0% introductory buy and steadiness switch APR for the primary 15 months. After that, variable common APR applies.
  • Different Perks: Declare specifically priced and/or unique tickets, reservations, and experiences by way of Citi Leisure. Charges and restrictions might apply.

See our Citi Rewards+℠ Card review for extra info. Discover out how one can apply for this card here.

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9. Chase Slate Edge℠

0% Intro APR on Purchases and Steadiness Transfers for 12 Months; Decrease Your Curiosity Fee by 2% Every 12 months With Qualifying Actions

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Chase Slate Edge℠ has a 12-month 0% APR steadiness switch promotion for brand spanking new account holders. An identical 0% APR intro promotion on purchases sweetens the deal for individuals who aren’t positive they want a steadiness switch card, as does an unusually beneficiant sign-up bonus for a no-rewards bank card.

Even higher, Slate Edge cardholders will pay much less on carried balances over time. Chase mechanically considers cardholders for a 2% rate of interest discount annually after they meet two easy standards: paying on time and making at the least $1,000 in purchases on the cardboard between account anniversary dates.

  • Signal-up Bonus: Spend $500 within the first 6 months from account opening to earn a $100 bonus in your assertion.
  • Necessary Charges: There’s no annual price. The overseas transaction price is 3%. Steadiness transfers value the larger of $5 or 3% of every switch on transfers made inside 60 days of account opening, then the larger of $5 or 5% of every switch.
  • Introductory APR: Get pleasure from 0% APR on steadiness transfers and purchases for 12 months. Thereafter, variable common APR applies (at present 14.99% to 23.74%, relying on creditworthiness and prevailing charges).
  • Different Perks: Chase mechanically considers Slate Edge cardholders for a decrease price (2% decrease annually) after they meet two standards: spending at the least $1,000 on the cardboard between account anniversaries and paying their payments on time.

Learn how to use for this card here.

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Ultimate Phrase

Transferring high-interest bank card balances to lower-interest bank cards is a well-worn solution to make bank card debt extra manageable. Nevertheless, it’s vital to not put an excessive amount of inventory in it – or every other single debt-reduction methodology, for that matter.

In the event you switch a high-interest steadiness to a card with a brief promotional steadiness switch APR after which fail to pay it down earlier than rates of interest spike, you’ll end up coping with one other pile of debt that’s quickly accumulating curiosity. And for those who made purchases together with your steadiness switch card throughout the introductory APR interval, your steadiness might effectively be greater than whenever you first opened the account.

In the event you’re dedicated to lowering your debt and dwelling inside your means, ensure you’ve paid off your transferred steadiness in full earlier than the top of any introductory interval. Additionally, chorus from making massive purchases with bank cards used primarily for steadiness switch functions.

Even higher, contemplate making your steadiness switch card off-limits for any purchases and apply for a cash-back card, gas credit card, or travel rewards credit card for day-to-day bills.

Editorial Observe: The editorial content material on this web page just isn’t supplied by any financial institution, bank card issuer, airline, or lodge chain, and has not been reviewed, authorized, or in any other case endorsed by any of those entities. Opinions expressed listed here are the creator’s alone, not these of the financial institution, bank card issuer, airline, or lodge chain, and haven’t been reviewed, authorized, or in any other case endorsed by any of those entities.



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