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Best Credit Cards with 0% Intro APR on Balance Transfer from Our Partners
Balance transfers are the best way to save money if you have good or excellent credit history but carry a balance on your card. With a high interest rate, it can take decades to pay off your debt, but with an intro 0% interest rate on balance transfer offer from a reputable bank, you'll pay off your balance much faster.
0% Intro APR: Balance Transfers & Purchases
GREAT REWARDS
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- Redeem your rewards for cash at any time.
Best Balance Transfer Credit Cards
Many credit cards offer promotional 0% rates on balance transfers. Promotional periods vary from 6 to 21 months, depending on the offer. So you may have almost two years to pay off your debt. Also, 0% balance transfer credit cards may come with 0% intro APRs on purchases, with rewards and no annual fees. Below you can compare credit cards to find the best offer for you.
Show moreour choice
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
- Rates & Fees
our choice
our choice
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. - Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
our choice
our choice
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- No Annual Fee
our choice
our choice
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Rates & Fees
our choice
our choice
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- Redeem your rewards for cash at any time.
- Your account may not always be eligible for balance transfers. Balance transfer eligibility is determined at Discover’s discretion.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee.
- Terms and conditions apply.
our choice
our choice
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025. - No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash® Card account per person.
our choice
Wells Fargo Reflect® Card
LONG 0% INTRO APR ON BALANCE TRANSFERS AND PURCHASES
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee.
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questionsABOUT BALANCE TRANSFER
CREDIT CARDS
How do I transfer a credit card balance to a new card? Do I need to pay off the balance on the current credit card before I can transfer?
Once you are approved for a balance transfer credit card, you will need to contact the new credit card company over the phone or online to request the balance transfer. They will ask you to provide your old cards...
Read moreWhat is balance transfer and how to go about it?
Balance transfer is a scheme that saves you from paying extra interest on your outstanding balance. It helps you to clear your debts in a much faster and efficient way, when you have your interest rates holding you from...
Read moreHow much can I transfer?
When you are carrying a big balance with a high APR, you want to transfer as much as you can to a lower rate card or a 0% APR balance transfer card. How much can transfer though will depend on your credit limit. You...
Read morebalance transfers 101: WHAT IS A BALANCE TRANSFER
AND HOW IT WORKS?
For people stuck paying high interest rates on their credit cards, a balance transfer credit card can become a great way to avoid interest payments and save money. With an introductory 0% APR balance transfer offer, you can move your debt from one credit card with high interest to a new card that has better terms and lower interest rates.
Moving your debt to a new interest-free credit card can help you save on interest, provided you pay off the card balance in full by the end of the promotional rate and you do not miss monthly payments.
01. What is a balance transfer?
With a balance transfer, you are literally moving your balance from one card to another, usually with a lower or 0% introductory interest rate. You can use a 0% intro APR offer to pay off that debt from the holidays, a large purchase, or a high-interest card. You might want to transfer balances when an introductory period on one card ends in order to extend the benefits of low interest.
You also may want to consolidate debt by moving multiple credit card balances to one card, so you have fewer bills to pay each month. If your credit limit allows you to accommodate your combined balances, it will make your life simpler and your credit card balance easier to pay off.
02. Cost of a balance transfer
Nearly all balance transfer cards require a 3%-5% balance transfer fee. The most common balance transfer fee is 5% of the amount transferred. And a rarely offered, but desired by all - a $0 balance transfer fee.
No fee balance transfer credit cards are offered by a few issuers and may have some additional requirements. In most cases, you will need to complete a balance transfer within an allotted period of time to be able to qualify for the $0 balance transfer fee. But in general, $0 balance transfer fee credit cards most likely will not offer 0% intro APRs on balance transfers.
03. Balance transfer rules
While it is rather easy to transfer balances between two credit cards, there are some nuances you should know about how to make the transaction a success.
- Balance transfers between credit cards from one bank are not allowed. Even if they're co-branded credit cards.
- It takes up to 14 days on average to complete a balance transfer.
- You cannot transfer more than the available credit limit on your new balance transfer credit card. If you try to do that, your transfer will be canceled, or a lower amount will be transferred.
- Balance transfer does not close or cancel your old credit accounts from which you transfer. You will still need to make all minimum monthly payments on all cards while you are transferring and when the transfer is completed until you close those cards.
- There usually is a 3%-5% balance transfer fee that is added to the transferred amount.
- If you do not pay off the transferred balance by the end of the introductory period, a go-to APR will apply to the remaining balance.
- If you make a late payment or miss a payment, you may lose your 0% intro APR and the issuer can charge you a late payment fee and apply a penalty interest rate to the remaining balance.
- Some issuers may require you to complete all balance transfers within a certain period in order to qualify for the 0% intro APR offer.
- Balance transfers won't earn rewards. But a balance transfer credit card can have a solid rewards structure, which makes it more attractive to hold long-term.
04. Do balance transfers affect your credit?
When you pay off your credit card debt, you can increase your credit scores. Since your credit utilization makes 30% of your score, the less you owe, the better. However, a balance transfer can do both: hurt and help your credit. But in the end, a balance transfer may improve your credit and get you higher credit scores.
Your credit scores may drop by a few points when you apply for a balance transfer credit card and then perform a balance transfer. For example, if you are approved for a credit card with the starting credit limit of $3,000 and transfer that same amount, you'll be using 100% of your available credit on that card. Experts recommend keeping your credit utilization below 30% for each individual active credit line and overall. If you close your old credit account, your ratio will become even higher, which can result in a credit score drop
To minimize damage to your credit score, keep your existing credit accounts active (at least for a while, until you see your credit score going up). Be very careful when you want to close your old credit account. If you close your oldest account, that may have a significant effect on the length of your credit history and as a result, on your credit score.
As you pay off the balance on your new balance transfer credit card, you should see your credit score going up. Try not to change purchases to your new credit card. Focus on paying off your debt and not increasing it and then the balance transfer will become that tool for improving your financial position and net you a higher credit score.