0 apr no fee balance transfer

USAA Balance Transfer $0 fee 0% Apr thru March 2013

0 apr no fee balance transfer

0 apr no fee balance transfer

0 apr no fee balance transfer

0 apr no fee balance transfer

"You can transfer up to 10 non-usaa credit card balances at a time. Each balance transfer may be subject to a fee of 3% or $200, whichever is less."


The Best Balance Transfer Credit Cards

Latest Update August 18, 2016

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The best balance transfer credit cards are designed to help you consolidate debt. You only make one payment on one card instead of two or three or four payments on different (typically high-interest) cards. We reviewed over 50 to find our favorites: ones with lengthy 0% APR grace periods and low, or even no, transfer fees.

The best introductory offer around: no balance transfer fees for 60 days and 0% intro APR for 15 months.

If you’ve got a lot of debt, you’re probably very familiar with the whole “make a payment every month; watch interest eat up half of that payment” thing. Even if you’re making more than the minimum payments on your credit cards, you’re still seeing a lot of your hard work — and money — go straight to interest payments, thanks to credit card APRs that might be anywhere from 12 to 25%. It can make those debts seem insurmountable.

0 apr no fee balance transfer

Chase Slate® $0 intro balance transfer fee

0% introductory APR

But everyone’s debt is different, and there are lots of different balance transfer credit cards to choose from. Our favorite is Chase Slate® because it has the best introductory offer out there: No balance transfer fees for 60 days, and 0% intro APR for 15 months. No other cards have that double-whammy of savings, making it especially appealing if you’re transferring a lot of debt.

If you’ve done the math and know you need a little more time to pay off your balance, the Citi Simplicity® Card - No Late Fees Ever has the longest 0% intro APR grace period of them all — a whopping 21 months. And for those who want to pay down old debt, but are ready to take on “new debt” responsibly, there are balance transfer credit cards that offer perks. Our favorite is the Discover it® 18 Month Balance Transfer Offer, which offers 5% cashback on rotating product categories, 1% cashback on everything else, and a gracious 18 months of 0% intro APR on balance transfers.

Our only caveat is that all of the best balance transfer credit cards are for people with at least average — if not good or excellent — credit. Our pick for a poor credit balance transfer credit card is the Discover it® Secured Card - No Annual Fee, which requires a cash security deposit to open the card, but then offers a relatively low 10.99% APR for the first six months.

How We Found the Best Balance Transfer Credit Cards

We reviewed over 50 different balance transfer credit cards, looking for which ones had the right criteria:

  • 0% APR for at least 12 months. Most cards have a 0% APR grace period that ranges from six to 21 months; we wanted cards that offer at least a year without interest payments.
  • 0% APR applicable to both balance transfers and new purchases. A person trying to pay down old debt may still need to use a credit card for new purchases — and although it’s best to pay off new debt in full every month, we know it’s not an option for everyone.
  • Balance transfer fees at 3% or lower. This is the second-lowest balance transfer fee available — some cards offer 0%; some offer 3%, and it goes up from there.
  • No annual fee. We avoided cards that have an annual fee because there are so many good options that don’t.

Of the 56 cards we reviewed, 11 fit what we were looking for. From there, we narrowed down the best options by looking for which cards offered the lowest fees and the longest 0% APR period. Then, since all of the cards that fit our criteria were for people with good or excellent credit, we went back to our initial list to find a card that would help people with bad credit transfer balances and pay down their debts as well.

  • The Citi® Diamond Preferred® Card
  • Citi Simplicity® Card – No Late Fees Ever
  • Chase Slate®
  • Discover it® 18 Month Balance Transfer Offer
  • Discover it® Cashback Match™
  • Discover it® Chrome
  • NHL® Discover it®
  • Wells Fargo Cash Wise Visa® Card
  • Wells Fargo Cash Wise Visa® Credit Card
  • Barclaycard CashForward™ World MasterCard®
  • BankAmericard Cash Rewards™ Credit Card

And real quick, a note on what we didn’t consider: rewards or APR after the initial 0% APR expired. We acknowledge both, sure, but a good balance transfer card isn’t about racking up airline points or getting cash back on gas; it’s about transferring your debt for as little money as possible and paying it down over a reasonable period of time. And all of these cards are going to charge you interest at some point, so we focused on the cards that gave you the most time to pay down your debt interest-free.

Our Picks for the Best Balance Transfer Cards

Best If You Have a Big Balance

0 apr no fee balance transfer

Chase Slate® $0 balance transfer fee for 60 days and 0% intro APR for 15 months.

Chase Slate® is the only balance transfer credit card that offers both a $0 intro balance transfer fee and 0% introductory APR. If you’ve got a lot of debt to transfer, this might be the right card for you. Let’s break it down:

If you’re looking to transfer a large amount of credit card debt in order to pay it off interest-free, Chase Slate® lets you make that transfer without paying any fees. Other cards charge balance transfer fees of at least 3%, which means an extra $3 is tacked on to your debt for every $100 you transfer. If you have $5,000 in credit card debt, that’s an extra $150 you won’t have to pay if you use Chase Slate®.

Don’t dillydally though: That no-transfer fee expires after 60 days — if your account has been open for longer than that, balance transfers include a 5% fee.

Chase Slate® also offers a 0% introductory APR on both balance transfers and purchases for 15 months after you open your account. After 15 months, expect a variable 15.49% to 24.24% APR depending on your creditworthiness.

(Heads-up: If you currently have a Chase credit card with promotional pricing, you will not be eligible for a second Chase promotional pricing offer. If you already have a Chase credit card in a similar Chase Rewards Program, you may not be eligible for Chase Slate®.)

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers.
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR – Paying late won’t raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

0 apr no fee balance transfer

Citi Simplicity® Card – No Late Fees Ever 3% balance transfer fee and 0% intro APR for 21 months — plus no late fees.

The Citi Simplicity® Card – No Late Fees Ever charges a 3% balance transfer fee, but once you’re done with that, it offers 0% intro APR on balance transfers and purchases for 21 months — the longest of any card out there. Even better: there is no penalty or fee for making a late payment. If you need to work down your debt slowly by making smaller payments over a longer period of time — and are worried you might slip here and there — this is a great option.

What do “smaller payments” look like in reality? If you have $3,000 in credit card debt, paying it off over 21 months means making payments of $143 per month (plus the initial 3% balance transfer fee, which would be $90 in this example). Paying your $3,000 debt off on a balance transfer card like Chase Slate®, which offers a 15-month 0% intro APR, means contributing $200 per month. Paying it off in 12 months tallies up to $250 per month.

The caveats: You must make your balance transfers within the first four months of opening the account, and this card is really only for people with good or excellent credit — something to consider before applying.

  • 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 13.49% – 23.49%, 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.

Best If You Want Cashback Rewards

0 apr no fee balance transfer

Discover it® 18 Month Balance Transfer Offer 5% cashback on rotating categories, 1% cashback on everything else, and 0% intro APR on balance transfers for 18 months.

There are actually two Discover cards we like for balance transferring that also offer cashback rewards: the Discover it® 18 Month Balance Transfer Offer card and the Discover it® Cashback Match™ card. We’ll start with their similarities — their cashback rewards.

Both cards earn 5% cashback in different purchase categories that change every quarter (gas, for example, and then restaurants) and 1% on every other purchase. Discover will also match the cashback rewards new members accrue in their first year for both cards: “You could turn $200 into $400 with Cashback Match TM ,” the ads say.

Their differences lie in their balance transfer offerings, and the one that is right for you depends on your debt and your spending habits.

The Discover it® 18 Month Balance Transfer Offer card has a 3% balance transfer fee, then offers a 0% intro APR on balance transfers for 18 months, and a 0% intro APR on purchases for six months. That means you have 18 months to pay off the outstanding debt you transferred to your card interest-free, but you’ll start paying interest (expect a variable APR of 11.49% – 23.49%) on any new debt after six months.

0 apr no fee balance transfer

Discover it® Cashback Match™ Same rewards, but 0% intro APR on balance transfers for 12 months.

This card is good for people who have a large amount of “old debt” that they’re working to pay off, but are also ready to manage “new debt” responsibly and pay it off in full every month.

The Discover it® Cashback Match™ card also has a 3% balance transfer fee, but offers 0% intro APR on both balance transfers and purchases for 12 months — a little less time to pay off your balance transfer than the Discover it® 18 Month Balance Transfer Offer card, but a little more time to pay off any new debt interest-free.

If you’re using your balance transfer credit card for day-to-day purchases, having a card that offers cashback rewards makes sense. However, don’t let a cashback rewards program lure you into additional debt; make sure you pay off those new purchases in full every month.

One more thing to be aware of: Some merchants do not accept Discover, so make sure it isn’t the only payment tool in your wallet.

  • 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.
  • 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.

0 apr no fee balance transfer

The Discover it® Secured Card – No Annual Fee is designed to help you build or rebuild your credit. It’s a “secured card,” which means you pay Discover a security deposit that is equal to the credit line they offer you (a $500 deposit for a $500 credit line, and so on).

Those with poor credit don’t get the perk of a 0% APR, but we liked the Discover it® Secured Card – No Annual Fee because it has a relatively low 10.99% into APR on balance transfers for the first six months, which is a lot better than the 20% or more you pay on high-interest credit cards. As you build up your credit score, you’ll be eligible for better credit card options with lower and lower APRs.

We also liked the Discover it® Secured Card because it lets you earn cash back right away: 2% on restaurants and gas stations (up to $1,000 in purchases every quarter) and 1% on all other purchases. Discover will even match your cash back earnings after 12 months if you are a new cardmember.

To take advantage of the Discover it® Secured Card – No Annual Fee, you have to transfer your balance within four months of opening the account, and once that six-month introductory period is over, you’ll pay 25.49% APR on any unpaid balance transfers, as well as on all new purchases.

  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 7 months to see if we can transition you to an account with no security deposit.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, unlimited 1% cash back on all your other purchases.
  • Tools to assist you; email alerts, text reminders and 24/7 customer service. Plus get your FICO® Credit Score for free on monthly statements and online.
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • No late fee on your first late payment. And paying late won’t raise your APR.
  • Click “Apply Now” to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

0% Intro APR Period

Balance Transfer Fee

Balance Transfer Window

APR After Intro Period

0% for 60 days / 5% after

18 mo. balance transfer / 6 mo. for new purchases

12 mo. balance transfer and new purchases

*0% intro APR is not available with the Discover it® Secured Card – No Annual Fee card.

How to Choose the Best Card for You

Only you can determine which balance transfer credit card is your best option, but here is a list of questions to consider as you make your decision:

Take a look at your credit score before you start applying because some of the best balance transfer cards are only available to people with good or excellent credit. If you have good or excellent credit, consider Chase Slate®. If you have poor credit, consider the Discover it® Secured Card – No Annual Fee.

None of the credit cards on our list allow you to transfer debt from another credit card within the same issuing system — Chase Slate® won’t let you transfer debt from other Chase cards or from loans made by Chase and its affiliates; you can’t transfer Citi debt onto the Citi Simplicity® Card – No Late Fees Ever.

So take a look at your debt. If the majority of the balance you’re carrying is on Discover cards, you don’t want to apply for any of our Discover options, and so on and so on. Don’t get stuck with a balance transfer credit card that you can’t use to transfer balances.

How much debt are you trying to pay down?

We don’t know what credit limit you’ll get on your new balance transfer credit card, but if your outstanding debt is higher than your balance transfer card’s credit limit, you’re going to need to make more than one balance transfer to get everything paid off and to take advantage of the 0% intro APR period.

Remember: Chase Slate® charges a 5% balance transfer fee for all balances transferred after the first 60 days, and all of the Citi and Discover cards on our list only allow you to transfer balances for the first four months after opening your account.

How much of a monthly payment can you afford?

Take a look at your household budget and figure how much money you can put aside every month to pay off your outstanding debts. Then see which balance transfer card allows you to fully pay off those debts, with the monthly payment you can afford, in the 0% intro APR period available.

Some of us will be able to pay off our outstanding debts within a year. Others will be better off making smaller monthly payments and looking for balance transfer cards that offer 0% intro APRs for 15 months, like Chase Slate®; 18 months, like the Discover it® 18 Month Balance Transfer Offer; or 21 months, like the Citi Simplicity® Card – No Late Fees Ever.

Are you planning to also use this credit card for day-to-day purchases?

If you’re planning to use this card to make day-to-day purchases, consider one of the Discover it® cards so you can take advantage of the cashback rewards. Pay off your new purchases in full every month so you don’t accumulate new debt.

Are you planning to also use this credit card to finance a large purchase?

If you are thinking about using a balance transfer card’s 0% intro APR period to both transfer a balance and finance a new large purchase, such as an upcoming vacation, you wouldn’t be the first person to make this decision.

In that case, stay away from the Discover it® 18 Month Balance Transfer Offer card, because it only gives you a 0% intro APR on purchases for the first six months — unless you know you can pay that large purchase off before the six-month period expires.

If you don’t receive steady paychecks, consider a card like the Citi Simplicity® Card – No Late Fees Ever, which doesn’t penalize you for late payments.


0% APR on Balance Transfer and No Annual Fee Credit Cards

If you don't want to pay an annual fee for your 0% APR balance transfer credit card, you're in luck. Many credit cards with no annual fee have long promotional periods for 0% APR on balance transfers.

Cards that have an annual fee are usually travel rewards cards that offer big sign-on bonuses and high value points-earning. If your goal is simply to transfer your credit card balances and pay them off quickly, there is no reason to pay an annual fee. There are also cards that offer rewards along with no annual fee.

Take a look at these offers and choose the no-fee credit card with a 0% APR on balance transfer that's right for you. Apply today - the sooner you transfer your balance, the sooner you start saving.

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See also 0% Balance Transfer offers with:

Pay no interest on balance transfer during the introductory period with a 0% intro APR on balance transfer. After the introductory period expires, the ongoing APR will apply.

No fee will be charged for the transferring balance.

Pay no interest on purchases made during the entire introductory period with a 0% intro APR on purchases. After the introductory period expires, the ongoing APR will apply.

No yearly fees will be charged for your card.

The card has a point rewards program to earn points on purchases.

  • 0% Intro APR on Balance Transfers and Purchases for 21 months.
  • No Annual Fee. No Balance Transfer Fee.
  • Great Rewards Programs.
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An easy way to find balance transfer offers and pick the one which fits your situation.

Balance Transfer: a Few Things to Consider

Paying off your balance faster by transferring it to a 0% interest credit card with no annual fee saves you money and means no extra fees to worry about. Just make sure not to lose that great 0% promotional offer or incur other penalty fees by missing a payment due. These are some other things to keep in mind as the transfer is in progress:

  • Balance transfers do not go through instantly. It may take about four weeks for the payment to post, during which time you need to continue making payments on your card. If you do not, you will still incur a late fee on the credit card you are transferring the balance from.
  • Once the balance transfer posts on the new card, set up automatic payments so you never miss a payment due date. Making a late payment can often mean losing your introductory 0% APR on the new card you've just transferred your balance to.

Transferring your balance to a no annual fee credit card with a 0% APR introductory offer will save you money on fees. Just be careful to keep your cardholder agreement, and soon you will see your balance begin to shrink as your payments get applied to your debt and not to the interest charges you were paying each month.

If you’re trying to pay down credit card debt, then transferring your balance to a card with a 0% APR .

It’s finally happened. You met the love of your life, moved in, maybe tied the knot. All is bliss. Except for .

If one of your resolutions for 2016 was to pay down your debt and you haven’t made much headway yet, not to .

If you’re trying to pay down debt and get financially fit, one of the best things you can do is transfer your .

If you are struggling to pay off a large amount of debt on your credit card, opening a new credit card may .

Transferring a big balance to a new credit card with a 0% APR offer can save you a lot of money when you are .

Balance transfer credit card offers can feel like a dime a dozen. Zero-percent APRs, 18-month promotional .

Most people are aware that transferring a balance is a great way to pay down debt fast and save money while .

If you throw away any balance transfer offer that comes your way, thinking you don’t need to take advantage .

It happens to all of us at some point. We miss a payment due on our credit card, accidentally exceed our .


Best No Fee 0% APR Balance Transfer Offers of 2017 (Up to 21 Months) #free

0 apr no fee balance transferMore than a few people have asked about some good 0% APR Balance Transfer offers, and the ability to save tons of interest with no fee offers or even many low fee offers.

I ve looked at hundreds of cards online, scoured the Terms Conditions fine print, and the listed ones below are the best that I ve found with the longest 0% APR periods and the lowest fees. It s been really hard to avoid all fees these days, but they can still be found occasionally, and even with a small fee the overall APR can still be very low with a nice long balance transfer term. I ve tried to include a variety of card issuers and have highlighted the important details in the fine print. Just click on the card name to go directly to the correct offer and card application. Updated as of MAY 2017.

0 apr no fee balance transfer1)Citi Simplicity® Card 0% APR on balance transfers and purchases for 21 months. That s nearly 2 years at 0% interest for balance transfers and purchases from our partner Citi! An exceptionally long and flexible offer with no over limit fees or late payment fees. as you can both transfer a balance and also keep charging purchases on it during the introductory period. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. No annual fee.

0 apr no fee balance transfer2)Chase Slate® 0% Introductory APR on balance transfers and purchases for 15 months and $0 balance transfer fee Introductory offer. With no balance transfer fee for the first 60 days, the Slate from Chase is offering interest free payments for up to 15 months with no catch and no annual fee. The 0% intro APR is also extended on purchases for 15 months and once the intro rate has expired, a variable APR of 15.74% 24.49% will ensue.

0 apr no fee balance transfer3) Barclaycard Ring™ Mastercard® 0% intro APR on purchases and balance transfers for 15 months. Unlike the other cards on this list, the Barclaycard Ring MasterCard offers a static, variable APR of 13.74%. NO balance transfer fees to eat into that bonus. The Barclaycard Ring™ Mastercard® is not an everyday spending card as it has no rewards program, but with such a low purchase and BT interest rate, it s a perfect emergency credit card and a balance transfer credit card that is guaranteed to save you money (from your current interest rate).

0 apr no fee balance transfer4)BankAmericard® Credit Card 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.74% 21.74% Variable APR. Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies. There is no annual fee to own the BankAmericard® credit card.

0 apr no fee balance transfer5) Citi® Double Cash Card 18 month BT offer Get 0% Intro APR on Balance Transfers for 18 months. After that, the APR will be 14.24%, 17.24%, 20.24%, 22.24%, and 24.24% based upon your creditworthiness.* There is a balance transfer fee of either $5 or 3% of the amount of each transfer. Perhaps the greatest feature of the Citi Double Cash Card is the 1% cash back that cardholders will receive on all purchases, followed by another 1% cash back when they pay for those purchases. When you factor in the great intro APR with the top cash back rewards program on the planet, the Citi Double Cash Card doesn t just have a top balance transfer offer; but a top overall offer.

0 apr no fee balance transfer6) Discover it® 18 Month Balance Transfer offer 0% APR on balance transfers for 18 months*. DOUBLE CASH BACK for the first year. The variable purchase APR after the intro period expires is currently 11.74% 23.74%. No annual fee. The Discover it® 18 Month Balance Transfer offer your first year is an offering from Discover, as they ve retired their Discover More Cards. Included with the Discover it® 18 Month Balance Transfer offer your first year is no over limit fee. No foreign transaction fee. And no late fee for your first late payment. Plus they won’t raise your APR for paying late.* The balance transfer fee is 3%.

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer s Affiliate Program.”

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0% Balance Transfer Credit Cards

Below are our picks for 2017's best 0% balance transfer offers. In addition to other great perks, these cards offer a 0% intro rate on balances you transfer from an existing card account:

The credit card offers that appear on this site are from credit card companies from which CardRates.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CardRates.com does not include all credit card companies or all available credit card offers.

Discover it® – 18 Month Balance Transfer Offer

  • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • You could turn $150 into $300 with Cashback Match™. 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, 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, on mobile and online.
  • See application, terms and details.
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
  • See application, terms and details.
  • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • You could turn $150 into $300 with Cashback Match™. 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, 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, on mobile and online.
  • See application, terms and details.
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • See application, terms and details.

Wells Fargo Platinum Visa® Card

  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • See application, terms and details.
  • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all your 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, on mobile and online.
  • See application, terms and details.

Wells Fargo Propel American Express® Card

  • Earn 20,000 bonus points after spending $1,000 in the first 3 months
  • Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases
  • Redeem points for travel, gift cards, cash redemption options or merchandise through Go Far® Rewards
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Propel American Express® Card
  • Earn an annual relationship bonus of 10% on non-bonus rewards points if you maintain a qualifying Wells Fargo account
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • See application, terms and details.

Wells Fargo Cash Wise Visa® Card

  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • See application, terms and details.

Barclaycard CashForward™ World Mastercard®

  • Get a $200 cash rewards bonus after you spend $1,000 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 a U.S. checking or savings 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
  • Enjoy a 0% introductory APR for the first 15 months on purchases.
  • Plus, you'll get a 0% introductory APR for 15 months for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness.
  • See application, terms and details.

Capital One® Quicksilver® Cash Rewards Credit Card

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • See application, terms and details.

Discover it® chrome for Students

  • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. 1% cash back on all your other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
  • See application, terms and details.
  • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • 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 Amazon.com, restaurants, ground transportation and more, up to the quarterly maximum each time you activate.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
  • See application, terms and details.

Barclaycard Arrival Plus™ World Elite MasterCard®

  • 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
  • See application, terms and details.
  • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • Match Mile For Mile: We’ll match all the Miles you’ve earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • See application, terms and details.

Review Breakdown: 0% Balance Transfer Cards

0 apr no fee balance transfer

Looking to transfer your balance to low APR credit card, or even take advantage of a 0% introductory offer? See the table below for a breakdown of all the top offers for 2017 as reviewed by our experts. Simply click on your card of choice to visit its official online application.

Here are the best balance transfer cards of 2017:

More About: 0% Balance Transfer Credit Cards

0 apr no fee balance transfer

By: Alexandra Leslie

How to Transfer a Credit Card Balance

If you have a balance on one or more credit cards with high interest, you may start to feel like you’re throwing away money with all of your high interest payments. As your balance increases, so does the amount of interest you pay. This can make it difficult to ever fully pay off your increasing balance.

If it’s starting to feel overwhelming, you may want to transfer your balance to a credit card with a lower interest rate. With less interest accumulating on your debt, makes it easier to pay down your balance.

Transferring a balance from multiple credit cards to one new credit card also helps consolidate debt and makes payments more manageable. Many credit cards offer introductory 0% APRs on balance transfers of a year or longer, giving you ample time to pay off your debt without accruing more interest. While you still have monthly payments, it will all go toward the principal balance — not new interest.

Once that period is over, the regular interest rate will kick in. Pay attention to make sure the interest rate is not higher than the one you are currently paying. Note that if your balance is on a rewards card, this may mean giving up a rewards program. Why? Interest rates are notoriously higher on rewards programs since they cost more for the credit card companies. You will likely need a no-frills card without rewards to get the best balance transfer APR.

If you’re ready to transfer your balance, here’s how to get started:

1) Compare cards

Look for a card with a long introductory offer of 0% APR on balance transfers. Read the fine print so you understand what the regular APR will be after the introductory period and what the balance transfer fee is (it’s usually a percentage of the balance.)

2) Fill out the application

If you are denied, you will need to apply for another card. Do not apply to multiple cards at once, as you only need one and do not want multiple hard inquiries on your credit report if you can avoid it since this can harm your credit.

3) Submit the transfer and be patient

Some issuers let you do this online. Others may require you to call. It takes time for the balance transfer to complete. In the meantime, don’t forget to keep making the minimum payments on the old card as long as that account is still active. Failing to pay can result in fees depending on the card. Once you receive the final statement from the old issuer, you are done with the old card.

Photo source: wisebread.com

Editorial Note: Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.