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Best 0% Intro APR Balance Transfer Credit Cards

0% Intro APR Balance Transfer Credit Cards offer a promotional period during which no interest is charged on transferred balances. This allows cardholders to pay down existing debt without accruing additional interest, making it an attractive option for those looking to manage and reduce their debt more effectively.

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During the promotional period, which typically ranges from 6 to 21 months, cardholders can transfer balances from high-interest credit cards to the new card and focus on paying off the principal amount. This can result in significant savings on interest payments. However, it’s important to be aware of potential balance transfer fees, which usually range from 3% to 5% of the transferred amount. Additionally, after the introductory period ends, the APR will revert to the card’s standard rate, which could be high. Therefore, it’s crucial to have a plan to pay off the transferred balance within the promotional period. Reading the terms and conditions carefully can help avoid unexpected costs and make the most of the introductory offer.

  • Chase Freedom Unlimited®
    Chase Freedom Unlimited®

    Chase Freedom Unlimited® - Cash-back credit card with no annual fee.

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  • Citi® Diamond Preferred® Card
    Citi® Diamond Preferred® Card

    Citi® Diamond Preferred® Card - Low-interest, no annual fee, balance transfer-focused credit card.

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  • BankAmericard® credit card
    BankAmericard® credit card

    BankAmericard® credit card - Early credit card, now known as Visa.

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  • Discover it® Balance Transfer
    Discover it® Balance Transfer

    Discover it® Balance Transfer - 0% intro APR on balance transfers for 18 months.

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  • Wells Fargo Reflect® Card
    Wells Fargo Reflect® Card

    Wells Fargo Reflect® Card - Wells Fargo Reflect® Card: Low intro APR, extended interest-free period.

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  • U.S. Bank Visa® Platinum Card
    U.S. Bank Visa® Platinum Card

    U.S. Bank Visa® Platinum Card - U.S. Bank Visa® Platinum Card: Low APR, no annual fee.

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  • Citi Simplicity® Card
    Citi Simplicity® Card

    Citi Simplicity® Card - No late fees, no penalty rate, simple terms.

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  • American Express Cash Magnet® Card
    American Express Cash Magnet® Card

    American Express Cash Magnet® Card - Unlimited 1.5% cash back, no annual fee.

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  • Capital One Quicksilver Cash Rewards Credit Card
    Capital One Quicksilver Cash Rewards Credit Card

    Capital One Quicksilver Cash Rewards Credit Card - Unlimited 1.5% cash back, no annual fee.

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  • HSBC Gold Mastercard® Credit Card
    HSBC Gold Mastercard® Credit Card

    HSBC Gold Mastercard® Credit Card - No annual fee, rewards, and intro APR offers.

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Best 0% Intro APR Balance Transfer Credit Cards

1.

Chase Freedom Unlimited®

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The Chase Freedom Unlimited® is a versatile cash back credit card that offers unlimited 1.5% cash back on all purchases. Additionally, it provides 5% cash back on travel booked through Chase Ultimate Rewards®, 3% on dining and drugstore purchases, and 1.5% on everything else. There’s no annual fee, and new cardholders can benefit from an attractive sign-up bonus and a 0% introductory APR on purchases and balance transfers for the first 15 months.

Pros

  • pros No annual fee
  • pros 1.5% cash back on all purchases
  • pros 3% cash back on dining and drugstores
  • pros 5% on travel via Chase
  • pros Intro APR for 15 months.

Cons

  • consForeign transaction fees
  • cons Requires good credit
  • cons No bonus categories
  • cons Limited travel rewards
  • cons Rewards redemption can be complicated.
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2.

Citi® Diamond Preferred® Card

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The Citi® Diamond Preferred® Card is a credit card ideal for those seeking to consolidate debt or finance large purchases without immediate interest. It offers a lengthy 0% introductory APR on balance transfers and purchases for a set period, followed by a variable APR. The card features no annual fee, provides access to Citi® Entertainment for exclusive events, and includes various security and customer service benefits. It's a solid choice for those prioritizing low-cost borrowing.

Pros

  • pros No annual fee
  • pros Long 0% intro APR
  • pros Access to Citi Entertainment
  • pros Flexible payment options
  • pros Fraud protection.

Cons

  • consNo rewards program
  • cons High balance transfer fee
  • cons Foreign transaction fees
  • cons Limited benefits
  • cons Potentially high standard APR.
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3.

BankAmericard® credit card

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The BankAmericard® credit card is a straightforward, no-frills card ideal for those seeking to manage debt with ease. It offers an introductory 0% APR on purchases and balance transfers for a specified period, followed by a competitive variable APR. With no annual fee and access to basic cardholder benefits, it is designed for individuals looking to minimize interest payments and maintain financial simplicity. Additionally, it features standard security measures and convenient access to credit management tools.

Pros

  • pros No annual fee
  • pros Low APR
  • pros Fraud protection
  • pros Contactless payments
  • pros Online account management

Cons

  • consLimited rewards
  • cons Foreign transaction fee
  • cons Requires good credit
  • cons No intro APR on balance transfers
  • cons No travel perks
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4.

Discover it® Balance Transfer

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The Discover it® Balance Transfer card is ideal for those looking to consolidate high-interest debt. It offers an introductory 0% APR on balance transfers for 18 months and on purchases for six months, then a variable APR of 17.24% - 28.24%. Cardholders earn 5% cash back on rotating quarterly categories and 1% on all other purchases. Additionally, Discover matches all cash back earned in the first year, providing significant savings and rewards.

Pros

  • pros 0% intro APR on balance transfers
  • pros Cashback Match
  • pros No annual fee
  • pros 5% rotating cash back categories
  • pros Free FICO score.

Cons

  • consBalance transfer fee
  • cons Limited acceptance abroad
  • cons Requires good credit
  • cons 5% categories need activation
  • cons Cashback categories have spending caps.
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5.

Wells Fargo Reflect® Card

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The Wells Fargo Reflect® Card is a versatile credit card offering an introductory 0% APR on purchases and qualifying balance transfers for up to 21 months, making it ideal for managing large expenses or consolidating debt. It features no annual fee and provides tools for budgeting and tracking expenses. Additionally, cardholders can access 24/7 customer service and account management through the Wells Fargo mobile app. Note that standard APR applies after the introductory period.

Pros

  • pros Intro APR period
  • pros No annual fee
  • pros Cell phone protection
  • pros Balance transfer option
  • pros Access to FICO score.

Cons

  • consHigh ongoing APR
  • cons No rewards program
  • cons Foreign transaction fee
  • cons Limited benefits
  • cons Requires good credit.
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6.

U.S. Bank Visa® Platinum Card

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The U.S. Bank Visa® Platinum Card is a credit card offering a lengthy 0% introductory APR on purchases and balance transfers, making it ideal for those looking to manage debt or finance large purchases. It features no annual fee, providing an affordable option for consumers. Additionally, the card includes benefits like fraud protection, mobile payment compatibility, and free access to your TransUnion credit score, catering to both convenience and security needs.

Pros

  • pros 0% intro APR
  • pros no annual fee
  • pros cell phone protection
  • pros fraud protection
  • pros flexible payment options

Cons

  • consno rewards program
  • cons high balance transfer fee
  • cons limited benefits
  • cons foreign transaction fees
  • cons average customer service
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7.

Citi Simplicity® Card

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The Citi Simplicity® Card is a no-annual-fee credit card designed for simplicity and ease of use. It offers an extended 0% introductory APR on balance transfers and purchases for a specified period, making it ideal for consolidating debt or managing large expenses. The card features no late fees, no penalty rates, and no annual fees, making it a straightforward choice for those seeking to minimize extra costs and manage their finances more effectively.

Pros

  • pros No late fees
  • pros No penalty APR
  • pros Long 0% intro APR period
  • pros No annual fee
  • pros Flexible payment due date

Cons

  • consNo rewards program
  • cons High ongoing interest rate
  • cons Foreign transaction fees
  • cons Limited cardholder benefits
  • cons Balance transfer fee
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8.

American Express Cash Magnet® Card

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The American Express Cash Magnet® Card offers a straightforward cash back experience, providing 1.5% unlimited cash back on all purchases. With no annual fee, it features a welcome bonus for new cardholders who meet a minimum spending requirement within the first few months. Additional perks include purchase protection, car rental loss and damage insurance, and access to Amex Offers for discounts and deals. Ideal for those seeking a simple, no-fuss rewards card.

Pros

  • pros No annual fee
  • pros Unlimited 1.5% cashback
  • pros Intro APR on purchases
  • pros Amex Offers program
  • pros Purchase protection.

Cons

  • consNo bonus categories
  • cons Foreign transaction fee
  • cons Limited acceptance abroad
  • cons Requires good credit
  • cons Cashback redemption limits.
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9.

Capital One Quicksilver Cash Rewards Credit Card

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The Capital One Quicksilver Cash Rewards Credit Card offers a straightforward rewards structure with 1.5% cash back on every purchase, every day. There's no annual fee, and new cardholders can benefit from an introductory 0% APR on purchases and balance transfers for the first 15 months. Additionally, there's a one-time $200 cash bonus after spending $500 within the first three months. It’s ideal for those seeking simplicity and consistent rewards.

Pros

  • pros No annual fee
  • pros Unlimited 1.5% cash back
  • pros No foreign transaction fees
  • pros Intro APR on purchases
  • pros Easy redemption options

Cons

  • consRequires good credit
  • cons No bonus categories
  • cons Limited travel benefits
  • cons High APR after intro period
  • cons No balance transfer intro APR
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10.

HSBC Gold Mastercard® Credit Card

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The HSBC Gold Mastercard® Credit Card is a low-interest credit card offering an introductory 0% APR on balance transfers for the first 18 months, followed by a variable APR of 12.99% - 20.99%. It features no annual fee, no foreign transaction fees, and provides extended warranty protection and purchase assurance. Ideal for those seeking to save on interest and fees, it also offers 24/7 customer service and access to Mastercard's global network of benefits.

Pros

  • pros No annual fee
  • pros Introductory APR on purchases
  • pros Travel benefits
  • pros Zero liability protection
  • pros No foreign transaction fees.

Cons

  • consHigh regular APR
  • cons Limited rewards program
  • cons Requires good credit
  • cons No sign-up bonus
  • cons Balance transfer fee.
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