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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.

Sort Cards by:SavingsRatingIntro APR on Bal. Tr.Fee on Bal. Tr.Intro APR on Purch.Regular APRAnnual Fee
Discover it®- 18 Month Balance Transfer Offer
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeActivation Fee
0% (18 months)3%0% (6 months)11.24% – 23.24% Variable$0See terms
Card Details:
  • You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO® Credit Scores for free on 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
  • You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.

See card details
Citi Simplicity® Card – No Late Fees Ever
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You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeActivation Fee
0% (21 months)*3%0% (21 months)*13.24% - 23.24% (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 13.24% - 23.24% 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
Capital One® Quicksilver® Cash Rewards Credit Card
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You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeActivation Fee
0% intro on balance transfers until January 20173%0% intro on purchases until January 201713.24% - 23.24% (Variable)$0See terms
Card Details:
  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • 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 until January 2017; 13.24%-23.24% variable APR after that
  • Balance transfers also have a 0% intro APR until January 2017; 13.24%-23.24% 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 the first 3 months
  • 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
Citi® Diamond Preferred® Card
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeActivation Fee
0% (21 months)*3%0% (21 months)*12.24% - 22.24%* (Variable)$0*See terms
Card Details:
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Let our 24/7 concierge service help book your hotel rooms, 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
Capital One® QuicksilverOne® Cash Rewards Credit Card
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Earn unlimited 1.5% cash back on every purchase, every day
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeActivation Fee
0% intro on balance transfers until January 2017$00% intro on purchases until January 201723.24% (Variable)$39See terms
Card Details:
  • 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 until January 2017; 23.24% variable APR after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
Our Expert Opinion
  • 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 until January 2017; 23.24% variable APR after that

See card details
Barclaycard CashForward™ World MasterCard®
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeActivation Fee
0% (12 months)3%0% (12 months)15.24%, 19.24% or 23.24%* 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% intro APR for the first 12 months on purchases. Plus, you'll get 0% introductory APR for the first 12 months on balance transfers made within 45 days of account opening. After that a variable APR will apply, currently 15.24%, 19.24% or 23.24% depending on your creditworthiness
  • 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® Double Cash Card
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeActivation Fee
0% (18 months)*3%N/A13.24% - 23.24%* (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 13.24% - 23.24% 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.
See card details
Barclaycard Arrival™ World MasterCard®
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You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeActivation Fee
0% (12 months)3%n/a16.24%, 20.24% or 24.24%* Variable$0See terms
Card Details:
  • Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
  • Earn 2X miles on travel & dining and 1X miles on all other purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, currently 16.24%, 20.24% or 24.24%, depending on your creditworthiness
  • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
Our Expert Opinion
  • Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
  • Earn 2X miles on travel & dining and 1X miles on all other purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem

See card details
Only from Discover - Cashback Match™ with No Annual Fee
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeActivation Fee
0% (12 months)3%0% (12 months)11.24% – 23.24% Variable$0See terms
Card Details:
  • You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO® Credit Scores for free on statements and online.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Our Expert Opinion
  • You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.

See card details
Excellent Credit
The JetBlue Plus Card
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Earn 30,000 bonus points after you spend $1,000 in purchases within the first 90 days
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeActivation Fee
0% (First twelve billing cycles following each balance transfer that posts to account within 45 days of account opening)3%N/A12.24%, 20.24% or 25.24% variable$99See terms
Card Details:
  • Earn 30,000 bonus points after you spend $1,000 in 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 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.
  • Earn 5,000 bonus points every year after your account anniversary
  • 50% savings on eligible inflight purchases including cocktails, food and movies & your first checked bag is free on JetBlue operated flights.
  • Enjoy all TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases annually with your card
  • Get 10% of your points back every time you redeem to use toward your next redemption & a $100 statement credit after you purchase a Getaways vacation package of $100 or more with your JetBlue Plus Card
Our Expert Opinion
  • Earn 30,000 bonus points after you spend $1,000 in 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 flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.

See card details
Citi ThankYou® Preferred Card
Compare
You've selected 37 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% Intro APR on Purchases and Balance Transfers for 15 months. After that, the variable APR will be 13.24%-23.24% based upon your creditworthiness*
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR
on Bal.Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
Regular APRAnnual FeeActivation Fee
0% (15 months)*3%0% (15 months)*13.24% - 23.24%* (Variable)$0*See terms
Card Details:
  • 0% Intro APR on Purchases and Balance Transfers for 15 months. After that, the variable 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, whichever is greater.*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Our Expert Opinion
  • Global acceptance with Chip Technology.
  • Earn ThankYou points on card purchases.
  • Points do not expire.
  • 0% intro APR on purchases and balance transfers.

  • Balance transfer fee applies.
See card details

* Click apply to read the full Terms and Conditions.

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

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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

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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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