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You may find credit cards with 0% intro APR on balance transfers. Read Terms and Conditions carefully before applying. For example, consider the Citi Double Cash® Card (Citi is a Credit-Land.com advertising partner). It comes with 18 months of 0% intro APR on balance transfers (19.24% - 29.24% (Variable) after that). The balance transfer fee is Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min). It also allows to earn cash back on purchases.