A balance transfer credit card helps you get rid of your credit card debt. If you want to move your existing balance to a balance transfer credit card, or a card that offers 0% intro APR on balance transfers, you've come to the right place. In the market right now, you can find a card that gives you up to 18 months to pay off your debt with zero interest. Getting the best balance transfer card can save you hundreds or thousands of dollars - main things to look out for include the duration of the 0% balance transfer APR period, the balance transfer fees, and the ongoing APRs after the 0% period. Here we list the best balance transfer cards available in the US right now.

GET.com's best balance transfer cards

Best ForCredit Card
Long Intro APRCiti Simplicity® Card - No Late Fees Ever
Cash BackChase Freedom®
Bonus OfferWells Fargo Cash Wise Visa® Card

GET.com sorted through all the latest credit card offers direct from card issuers in the U.S. to bring you the best offers with 0% APR on balance transfers. All these cards have no annual fee.

Best For Longest 0% Intro Period & No Late Fees: Citi Simplicity® Card - No Late Fees Ever

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Citi Simplicity<sup>®</sup> Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

APPLY NOWAt Citi's secure website
Citi Simplicity<sup>®</sup> Card - No Late Fees Ever
  • Our Rating:
  • Our Rating:
  • 4.40/5
  • Your Rating:
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  • 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 14.49% - 24.49% 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.
APPLY NOWAt Citi's secure website

0%* intro APR on purchases* and balance transfers* for 21 months

14.49% - 24.49% (Variable)

$0*

Why we like it
  • 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 14.49% - 24.49% based on your creditworthiness.
We least like
  • No rewards program.
Excellent, Good

Advantages of Citi Simplicity® Card - No Late Fees Ever:

  • Citi Simplicity® Card - No Late Fees Ever, a partner card, is our top choice of card among other cards on GET.com if you are looking for the longest interest-free period to pay off your existing card balance. It gives you 0% intro APR on purchases and balance transfers for 21 months. After these 21 months, you will have a 14.49% - 24.49% variable APR on purchases and balance transfers depending on your creditworthiness. Balance transfer fee is 3% or $5 minimum.
  • The word 'Simplicity' says it all - there are no late fees or penalty APR to worry about. So if you are late in payments for whatever reason, there's no fear that you'll incur any late fees or an increased APR.
  • You may transfer any amount, but the total amount of your balance transfers and balance transfer fees must be less than your available credit limit.
  • A highlight of this card is that you can transfer any kind of debt to it, including non-credit card debt (like car loans or student loans). The only requisite is that the account number doesn't include any letters and that it contains at least five digits.
  • Get access to your FICO credit score, for free!

Downsides of Citi Simplicity® Card - No Late Fees Ever:

  • You cannot transfer balances from other accounts issued by Citibank.
  • You can't earn rewards on your spending with this card.

Bottom line:

This card is great for transferring large balances to, especially when you need a very long interest-free intro period to pay them off. The 0% intro APR for 21 months (almost 2 years!) is one of the largest in the market right now. Here's our Citi Simplicity® Card - No Late Fees Ever review.

GET.com's Picks Of 0% Interest Credit Cards

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Citi<sup>®</sup> Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

APPLY NOWAt Citi's secure website
Citi<sup>®</sup> Double Cash Card – 18 month BT offer
  • Our Rating:
  • Our Rating:
  • 4.75/5
  • Your Rating:
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  • 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 14.49% - 24.49% 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*
APPLY NOWAt Citi's secure website

0% Intro APR on Balance Transfers for 18 months

14.49% - 24.49%* (Variable)

$0*

Why we like it
  • 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.
  • Introductory APR offer.
Excellent, Good

Citi® Double Cash Card – 18 month BT offer is a cash back card by Citi that lets you earn cash back twice! You earn unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. There are no caps on the amount you earn and no category restrictions. There is a 0% intro APR for 18 months on Balance Transfers and a 14.49% - 24.49% variable APR (based on your creditworthiness) thereafter. Click 'Apply Now' to see the applicable balance transfer fee and to learn about how making a balance transfer can affect interest on purchases. Here's our Citi® Double Cash Card – 18 month BT offer review. No annual fee.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Chase Freedom<sup>®</sup>

Chase Freedom®

APPLY NOWAt Chase's secure website
Chase Freedom<sup>®</sup>
  • Our Rating:
  • Our Rating:
  • 4.85/5
  • User Rating:
  • 3.00/5
Rate This Card
  • Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.
  • 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
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
APPLY NOWAt Chase's secure website

0% Intro APR for 15 months from account opening on purchases and balance transfers

15.99%-24.74% Variable

$0

Why we like it
  • 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. Unlimited 1% cash back on all other purchases.
We least like
  • 5% cash back on combined purchases in bonus categories capped at $1,500 per quarter.
  • Has foreign transaction fees.
Excellent/Good

Chase Freedom® offers 0% intro APR for 15 months for purchases and balance transfers (after the intro period, there is a 15.99% - 24.74% variable APR on both purchases and balance transfers). When you make balance transfers you pay either $5 or 5% of the amount of each transfer, whichever is greater. New sign-ups earn $150 Bonus cash back after making $500 of purchases in the first three months. You can also receive a $25 Bonus after you add an authorized user and make a purchase within this same 3 month period. The generous rewards system allows you to earn up to 5% cash back in quarterly rotating categories (on up to $1,500 spent in combined purchases per quarter). You have to sign up to each quarterly program in order to activate it. Earn 1% unlimited cash back automatically on every other dollar spent on purchases. Here's our Chase Freedom® review. No annual fee.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

APPLY NOWAt Chase's secure website
Chase Freedom Unlimited℠
  • Our Rating:
  • Our Rating:
  • 4.90/5
  • User Rating:
  • 3.00/5
Rate This Card
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 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
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
APPLY NOWAt Chase's secure website

0% Intro APR for 15 months from account opening on purchases and balance transfers

15.99%-24.74% Variable

$0

Why we like it
  • 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.
Excellent/Good

Chase Freedom Unlimited℠ is a flat-rate cash back card which offers 0% intro APR for 15 months from account opening on purchases and balance transfers, with a regular 15.99% - 24.74% variable APR for both purchases and balance transfers after that. The balance transfer fee is either $5 or 5% of the amount of each transfer, whichever is greater. You earn $150 Bonus cash back after making $500 of purchases within 3 months of account opening. You get a $25 Bonus after you make a purchase and add an authorized user within 3 months of account opening. When you use this card to pay for your purchases, you earn unlimited 1.5% cash back on every purchase. No need to activate cash back, it's automatic. This card has no annual fee. Find out more here in our review of Chase Freedom Unlimited℠.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Bank of America<sup>®</sup> Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card

Bank of America<sup>®</sup> Cash Rewards Credit Card
  • Our Rating:
  • Our Rating:
  • 4.60/5
  • Your Rating:
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  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days

13.99% - 23.99% Variable APR on purchases and balance transfers

No annual fee

Why we like it
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening.
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
We least like
  • 3% foreign transaction fee.
Excellent/Good

Bank of America® Cash Rewards credit card might be a good choice if you want to transfer a balance and pay it off interest-free during several billing cycles. With this card, you'll enjoy 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days. Thereafter there will be a 13.99% - 23.99% Variable APR. This cash back card lets you earn 1% cash back on every purchase, 2% cash back at grocery stores and wholesale clubs and 3% cash back on gas for the first $2,500 spent on combined gas, wholesale clubs and grocery store purchases you make each quarter. You'll get a $150 online cash rewards bonus after spending at least $500 on purchases within the first 90 days of opening your account. No annual fee. Here's our Bank of America® Cash Rewards credit card review.

View Details

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
HSBC Platinum MasterCard<sup>®</sup> credit card

HSBC Platinum MasterCard® credit card

APPLY NOWAt HSBC's secure website
  • 0% Introductory APR on credit card purchases and balance transfers for the first 18 months from Account opening. After that, a variable APR of 13.99%, 17.99% or 23.99%, will apply.
  • No annual fee.
  • No foreign transaction fees.
  • Make purchases the way you want — mobile payment enabled supporting Android Pay™, Apple Pay™ and Samsung Pay™.
  • Shop with confidence knowing that your purchases are covered with our valuable protection programs.
  • Fraud coverage if your card is ever lost or stolen.
  • Use online banking to access your account, even from your smartphone, with our mobile app.
  • Terms Apply.
  • See Terms
APPLY NOWAt HSBC's secure website

0% for 18 months on purchases and balance transfers

Variable APR of 13.99%, 17.99% or 23.99%

$0

Good/Excellent

HSBC Platinum MasterCard® credit card is a great card with a $0 annual fee, a 0% intro APR on purchases and balance transfers for the first 18 months and a 13.99%, 17.99% or 23.99% variable APR thereafter. All these things make it a pretty useful credit card if you need to make a balance transfer or for when you make a large purchase. You can enjoy a lot of great benefits like no foreign transaction fees, fraud coverage, Extended Warranty, travel benefits and more. With this card you also get the convenience of having multiple ways to pay, including Android PayTM, Apple PayTM and Samsung PayTM.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Wells Fargo Cash Wise Visa<sup>®</sup> Card

Wells Fargo Cash Wise Visa® Card

APPLY NOWAt Wells Fargo's secure website
Wells Fargo Cash Wise Visa<sup>®</sup> Card
  • Our Rating:
  • Our Rating:
  • 4.80/5
  • Your Rating:
Rate This Card
  • NEW! Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on virtually every purchase
  • 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
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
APPLY NOWAt Wells Fargo's secure website

0% intro APR for 12 months on purchases and balance transfers

13.99%-25.99% (Variable)

$0

Excellent/Good

Wells Fargo Cash Wise Visa® Card. One of our favorite things about this card is the 0% intro APR for 12 months on purchases and balance transfers which makes this a great card for balance transfers. After that introductory period is over, you'll need to pay a 13.99% - 25.99% variable APR for purchases and balance transfers (balance transfer fees apply). You can also earn 1.8% cash rewards when you make any purchases on Android PayTM or Apple Pay® mobile wallet in the first 12 months of being a card holder. As a welcome offer you can earn $200 cash rewards bonus after you spend $1,000 within the first 3 months your account is open. Earn unlimited 1.5% cash rewards on the purchases you make every day. This card has a $0 annual fee.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Wells Fargo Propel American Express<sup>®</sup> Card

Wells Fargo Propel American Express® Card

APPLY NOWAt Wells Fargo's secure website
Wells Fargo Propel American Express<sup>®</sup> Card
  • Our Rating:
  • Our Rating:
  • 4.40/5
  • Your Rating:
Rate This Card
  • NEW! 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
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
APPLY NOWAt Wells Fargo's secure website

0% intro APR for 12 months on purchases and balance transfers

13.99%-25.99% (Variable)

$0

Excellent/Good

Wells Fargo Propel American Express® Card is a great option if you're looking to transfer your balance to a card that lets you pay it off without interest over a long time period. With Wells Fargo Propel American Express® Card, you enjoy a 0% intro APR for 12 months on purchases and balance transfers. After that there is a 13.99% - 25.99% variable APR. Although there is an introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 12 months. After that the fee can be up to 5% for each balance transfer, with a minimum of $5. On the up side this balance transfer card lets you earn 20,000 bonus points after you spend $1,000 in the first 3 months of being a cardholder. Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants and 1X point on any purchases you make. You are able to redeem points for travel, gift cards, cash redemption options or merchandise through Go Fartm Rewards and enjoy exclusive offers on airline tickets you book, hotels, car rentals, and cruises.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Wells Fargo Platinum Visa<sup>®</sup> Card

Wells Fargo Platinum Visa® Card

APPLY NOWAt Wells Fargo's secure website
Wells Fargo Platinum Visa<sup>®</sup> Card
  • Our Rating:
  • Our Rating:
  • 4.40/5
  • Your Rating:
Rate This 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
  • Select "Apply Now" to learn more about the product features, terms, and conditions
APPLY NOWAt Wells Fargo's secure website

0% introductory APR for 18 months on purchases and balance transfers

16.15%-25.99% (Variable)

$0

Excellent/Good

Balance Transfer Credit Cards As A Weapon Against Debt

If circumstances have left you up to your neck in debt, it's easy to end up feeling like the situation is hopeless. Compound interest keeps making your debt bigger, and no matter how hard you try to keep up with payments, the debt never seems to go away.

But keeping up with payments is not a solution. In order to escape the treadmill, you will have to pay off your debt. This is where a credit card that offers a long introductory APR period on balance transfers can help. Although getting another credit card may seem like anything but a good idea, especially if credit cards have gotten you into debt in the first place, the opposite can be true if you can use your card responsibly.

A balance transfer credit card offers temporary relief from interest payments, giving you time to catch your breath and make a debt repayment plan. That's because all of the payments you make will actually pay off your debt, rather than paying for interest charges. You should always look for a card that offers a 0% intro APR on balance transfers (there are plenty of these so getting a card with anything but a 0% interest rate during the intro period is pointless.

When choosing a balance transfer credit card, it's very important that you understand balance transfer fees. These are fees charged by credit card companies every time you make a balance transfer. Most card charge 3% of the full amount you transfer, with a minimum of $5. That can add up to a lot of money.

Using a credit card with no balance transfer fee can help here, but it's rare to find a credit card that offers both no balance transfer fee and a long 0% intro APR period for balance transfers. One of the cards which help you save on balance transfer fees is Capital One® QuicksilverOne® Cash Rewards Credit Card which has no balance transfer fee.

Although most balance transfer credit cards only let you transfer debt from other credit cards, there are a few that also let you transfer other types of debt. If you do transfer other kinds of debt like auto loans, personal loans or store credit balances, make sure that you continue to make your different payments until you receive notice from your credit card company that the balances have been transferred. Since the credit card company will usually pay what you owe directly to your creditors in one shot, it's important to check into whether those loans can be paid off in one go, or whether you are tied into a fixed loan tenure.

When transferring non-credit card debt to a new balance transfer credit card, always check and double check with your credit card company to make sure that kind of debt qualifies as a balance transfer. While you may still be able to transfer debt that doesn't qualify (by using checks for example), these may be counted as cash advances rather than balance transfers, and cash advances come with nasty fees, high APRs and generally no low intro APR periods.

How Do I Get Rid Of My Debt?

Once you've settled on the right balance transfer credit card to put a plug in the interest payment money drain, you can refer to our guide to getting out of debt for advice on paying off what you owe and remaining debt-free.