0% Balance Transfer Credit Cards

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Credit Card Applications » 0% Balance Transfer Credit Cards

Credit Cards with 0% on Balance Transfer

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 a no-fee 0% interest balance transfer offer from a reputable bank, you'll pay off your balance much faster.

Keep in mind that you cannot use a balance transfer offer from the same bank that issued the card you want to transfer a balance from. Look for offers from a different card issuer. If you have a large balance - higher than $10,000, for example - you probably won't be able to put the entire balance on one card. Apply for more than one card so you can spread the balance over several cards and maximize your savings.

Discover it® - 18 Month Balance Transfer Offer
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Key Feature: Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Expert Rating:
Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing Fee
0% (18 months)3%0% (6 months)11.49% – 23.49% Variable$0See terms
Card Details:
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Our Expert Opinion
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.

See card details
Citi® Double Cash Card – 18 month BT offer
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Key Feature: 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.24% - 24.24% based on your creditworthiness
Expert Rating:
Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing Fee
0% (18 months)*3%N/A14.24% - 24.24%* (Variable)$0*See terms
Card Details:
  • 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 14.24% - 24.24% 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*
Our Expert Opinion
  • 0% Intro APR on Balance Transfers for 18 months.
  • Earn cash back as you pay for your purchases.
  • No annual fee.

  • Balance transfer fee applies.
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Capital One® Quicksilver® Cash Rewards Credit Card
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Key Feature: Earn unlimited 1.5% cash back on every purchase, every day
Expert Rating:
Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing Fee
0% intro on balance transfers for 9 months3%0% intro on purchases for 9 months13.49% - 23.49% (Variable)$0See terms
Card Details:
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
  • 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 doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.49%-23.49% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.49%-23.49% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
Our Expert Opinion
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
  • 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 doesn’t expire and there’s no limit to how much you can earn

See card details
Excellent/Good Credit
JetBlue Card
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Key Feature: Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
Expert Rating:
Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing Fee
0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)3%N/A12.49%, 20.49% or 25.49% variable$0See terms
Card Details:
  • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Points awarded in your TrueBlue account don't expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection
Our Expert Opinion
  • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.

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Citi Simplicity® Card - No Late Fees Ever
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Key Feature: 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.24%-24.24% based on your creditworthiness.
Expert Rating:
Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing Fee
0% (21 months)*3%0% (21 months)*14.24% - 24.24% (variable)$0*See terms
Card Details:
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.24% - 24.24% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% 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.
Our Expert Opinion
  • Zero intro APR on purchases and balance transfers.
  • No late fees or penalty rate.
  • No annual fee.

  • No rewards program.
See card details
Barclaycard CashForward™ World MasterCard®
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Key Feature: Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
Expert Rating:
Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing Fee
0% (15 months (on balance transfers made within 45 days of account opening))3%N/A15.24%, 20.24% or 25.24%* Variable$0See terms
Card Details:
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 15.24%, 20.24% or 25.24%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee
Our Expert Opinion
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption

See card details
Excellent/Good Credit
Citi® Diamond Preferred® Card
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Key Feature: Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 13.24%-23.24% based upon your creditworthiness.*
Expert Rating:
Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing Fee
0% (21 months)*3%0% (21 months)*13.24% - 23.24%* (Variable)$0*See terms
Card Details:
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 13.24%-23.24% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO® Scores*
Our Expert Opinion
  • 0% intro APR on purchases and balance transfers.
  • Get protected with Citi® Identity Theft Solutions.
  • Free access to FICO® Scores.

  • Balance transfer fee is 3% of each balance transfer.
See card details
Excellent Credit
JetBlue Plus Card
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Key Feature: Earn 30,000 bonus points after you spend $1,000 on purchases within the first 90 days
Expert Rating:
Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing Fee
0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)3%N/A12.49%, 20.49% or 25.49% variable$99See terms
Card Details:
  • Earn 30,000 bonus points after you spend $1,000 on purchases within the first 90 days
  • Earn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
  • Points awarded in your TrueBlue account don't expire.
  • Earn 5,000 bonus points every year after your account anniversary
  • 50% savings on eligible inflight purchases like cocktails and food & the primary cardmember's first checked bag is free on JetBlue-operated flights
  • Enjoy TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases each calendar year with your card
  • Enjoy a $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card
Our Expert Opinion
  • Earn 30,000 bonus points after you spend $1,000 on purchases within the first 90 days
  • Earn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking

See card details
Barclaycard Arrival Plus™ World Elite MasterCard®
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Key Feature: Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
Expert Rating:
Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing Fee
0% (12 months (on balance transfers made within 45 days of account opening))3%N/A16.49%, 20.49% or 23.49%* Variable$89 - waived first yearSee terms
Card Details:
  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.49%, 20.49% or 23.49%, based on your creditworthiness. Please note, there is a fee for balance transfers
Our Expert Opinion
  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem

See card details
Barclaycard Ring™ Mastercard®
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Key Feature: No balance transfer fees
Expert Rating:
Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeApplication Processing Fee
0% (15 months (on balance transfers made within 45 days of account opening))None0% (15 months)13.49% Variable$0See terms
Card Details:
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.49%
  • 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
Our Expert Opinion
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.49%
  • No balance transfer fees
  • No foreign transaction fees

See card details

Pay off All Your Debts with 0% on Balance Transfer Cards

For people stuck paying high interest rates on their credit cards, balance transfer credit cards are a great way to save money. With a 0% APR balance transfer credit card, you can move your old balance to a card that carries better terms and lower interest rates. But once you make even one late payment, not only will your 0% rate end, you may get slapped with a penalty APR.

With a balance transfer, you are literally moving your balance from one card to another - allowing you to enjoy a lower interest rate while you pay off a balance from the holidays, a large purchase, or a high-interest card. You might want to do this 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.

Our Experts about Balance Transfer

latest news:

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related research:

Starting from Zero: A Guide to Zero-Percent Balance TransfersStarting from Zero: A Guide to Zero-Percent Balance Transfers

Just after college, when I was a new user of credit cards and trying to pay off some debt I’d managed to accrue with a student credit card, a friend of mine gave me a piece of advice. “Play the balance-transfer game,” he said, going on to ...Continue reading

More balance transfer research

Try Our Credit Card Tools:

Use these tools to make some helpful calculations and comparisons to build your own plan for managing your credit health.

Balance Transfer Calculator: Save on average $1,400!

Balance Transfer Calculator

Carrying a balance? Find out how much you'll save - and how much faster you'll pay it off - by transferring your balance to a new card. Our Balance Transfer Calculator does the math for you and eliminates the guesswork.

User level: Above average

0% Balance Transfer Credit Cards
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Balance Transfer Video

Balance Transfer: Save on Average $1,400

May 08, 2015

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Balance Transfer

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