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
Longest 0% Intro APR For Balance TransfersDiscover it® 21 Month Balance Transfer Offer
No Balance Transfer FeeChase Slate®
Longest 0% Intro APR For PurchasesCiti Simplicity® Card - No Late Fees Ever

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 For Balance Transfers: Discover it® 21 Month Balance Transfer Offer

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically

    Why we like it
    • 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 MatchTM details & other information.
    APPLY NOWAt Discover's secure website

    Intro APR

    0% on purchases for 6 months and 0% on balance transfers for 21 months

    Regular APR

    11.49% - 23.49% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Discover's secure website
    Why we like it
    • 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.
    • You get a long introductory APR period for balance transfers.

    Intro APR

    0% on purchases for 6 months and 0% on balance transfers for 21 months

    Regular APR

    11.49% - 23.49% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    • 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 MatchTM details & other information.
    APPLY NOWAt Discover's secure website

Advantages of Discover it® 21 Month Balance Transfer Offer:

  • This card is a rewards card! Discover will match your cash back rewards in your first year of having the card, automatically! This awesome offer is only for new cardmembers.
  • Discover it® 21 Month Balance Transfer Offer gives you a 0% intro APR for 21 months on balance transfers and 0% intro APR for 6 months on purchases. There is a 11.49% - 23.49% variable APR after the intro period. Balance transfer fee is 3% of transferred amount.
  • As a rewards card, you can get 5% cash back (after you sign up for 5% cash back each quarter) for purchases made in quarterly changing bonus categories, up to the quarterly maximum of $1,500 spent on purchases in these categories per quarter, and unlimited 1% cash back on all other purchases.
  • You can transfer most non-credit card debts, such as certain loans, onto this card.
  • You can view your FICO score on monthly statements or online for free.
  • No foreign transaction fee.

Downsides of Discover it® 21 Month Balance Transfer Offer:

  • When you do a balance transfer, you will need to pay a 3% balance transfer fee.
  • 5% bonus categories change every 3 months, and you'll need to opt in each quarter to earn that 5% cash back.

Bottom line:

We think this card is the ideal card to earn cash back. Not only is it great for balance transfers, it also lets you earn unlimited cash back. And what's more, with Cashback Match™ Discover will give a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically! This top notch offer is only available to new cardmembers. It comes loaded with all kinds of perks and there's no annual fee. Here's our Discover it® 21 Month Balance Transfer Offer review.

Best For No Balance Transfer Fee Intro: Chase Slate®

  • Chase Slate<sup>®</sup>
    • Our Rating:
    • Our Rating:
    • 4.30/5
    • User Rating:
    • 3.67/5
    Rate This Card

    Save with a $0 introductory balance transfer fee, 0% introductory APR for 15 months on purchases and balance transfers, and $0 annual fee. Plus, receive your Monthly FICO® Score for free.

    Why we like it
    • $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
    APPLY NOWAt Chase's secure website

    Intro APR

    0% Introductory APR for 15 months on purchases and balance transfers

    Regular APR

    15.49% - 24.24% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Chase's secure website
    Why we like it
    • Save with a $0 introductory balance transfer fee, 0% introductory APR for 15 months on purchases and balance transfers, and $0 annual fee. Plus, receive your Monthly FICO® Score for free.

    Intro APR

    0% Introductory APR for 15 months on purchases and balance transfers

    Regular APR

    15.49% - 24.24% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    • $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
    APPLY NOWAt Chase's secure website

Advantages of Chase Slate®:

  • Chase Slate® is the only card among all cards on GET.com that has no balance transfer fee and a 0% intro APR offer. When you transfer a balance during the first 60 days your account is open, you will have a $0 introductory balance transfer fee. After that, the fee is 5% of the transferred amount or $5 minimum. Most other cards charge a 3-5% balance transfer fee right from the start, so this is a great deal!
  • It also offers 0% introductory APR for 15 months on purchases and balance transfers. After the intro period, you will have to pay 15.49% - 24.24% variable APR for purchases and balance transfers, depending on your creditworthiness. $0 annual fee.
  • You get access to Chase's Blueprint program, which lets you see one of your FICO credit scores and plan your debt payoff schedule.
  • There is no penalty APR if you don't pay on time.

Downsides of Chase Slate®:

  • You can only transfer a credit card debt (not a store card debt, for instance), and that balance cannot be from other Chase cards.
  • Regardless of your credit limit, the maximum you can transfer to this card is $15,000.
  • This card doesn't let you earn rewards on your spending.
  • You need good to excellent credit to qualify for this card.

Bottom line:

Our favorite thing about this card is the $0 introductory balance transfer fee (for balances transferred within the first 60 days of account opening) which combined with the 0% intro APR offer for 15 months makes this card our top choice for balance transfers. Here's our Chase Slate® review.

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

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.

    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 13.99% - 23.99% 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

    Intro APR

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

    Regular APR

    13.99% - 23.99% (Variable)

    Annual Fee

    $0*

    Credit Required

    Good
    APPLY NOWAt Citi's secure website
    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 13.99% - 23.99% based on your creditworthiness.
    We least like
    • No rewards program.

    Intro APR

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

    Regular APR

    13.99% - 23.99% (Variable)

    Annual Fee

    $0*

    Credit Required

    Good
    • 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 13.99% - 23.99% 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

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 13.99% - 23.99% (Variable) 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

  • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.49% - 21.49% Variable APR.

    Why we like it
    • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.49% - 21.49% Variable APR.
    • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
    • No annual fee
    • Saves you more on interest when you transfer balances from higher rate credit cards
    • $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
    • Access your FICO® Score for free within Online and Mobile Banking
    • If you apply for a card over the phone and are approved, our representatives can transfer your balance over the phone

    Intro APR

    0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days

    Regular APR

    11.49% - 21.49% Variable APR

    Annual Fee

    $0

    Credit Required

    Excellent

    Intro APR

    0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days

    Regular APR

    11.49% - 21.49% Variable APR

    Annual Fee

    $0

    Credit Required

    Excellent
    • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.49% - 21.49% Variable APR.
    • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
    • No annual fee
    • Saves you more on interest when you transfer balances from higher rate credit cards
    • $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
    • Access your FICO® Score for free within Online and Mobile Banking
    • If you apply for a card over the phone and are approved, our representatives can transfer your balance over the phone

BankAmericard® credit card has a . After that, the standard 11.49% - 21.49% variable APR applies to balance transfers. You will have to make balance transfers within the first 60 days after opening your account to benefit from the 0% intro APR. A 3% ($10 minimum) balance transfer fee applies to each balance transfer. Review terms and conditions for additional information. Benefits like zero liability fraud protection, chip technology and text and mobile banking, plus Bank of America's solid branch office and ATM network, make this a well-rounded basic credit card. No annual fee. Read our review of BankAmericard® credit card.

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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

    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.
    • Balance Transfers do not earn cash back
    • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99% 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

    Intro APR

    0% Intro APR on Balance Transfers for 18 months

    Regular APR

    13.99% - 23.99%* (Variable)

    Annual Fee

    $0*

    Credit Required

    Good
    APPLY NOWAt Citi's secure website
    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.

    Intro APR

    0% Intro APR on Balance Transfers for 18 months

    Regular APR

    13.99% - 23.99%* (Variable)

    Annual Fee

    $0*

    Credit Required

    Good
    • 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 13.99% - 23.99% 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

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 13.99% - 23.99% 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.

  • Chase Freedom<sup>®</sup>
    • Our Rating:
    • Our Rating:
    • 4.85/5
    • 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

    Why we like it
    • 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
    • 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 15.49-24.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • Enjoy new 5% categories every 3 months
    • Cash Back rewards do not expire as long as your account is open
    • No annual fee
    APPLY NOWAt Chase's secure website

    Intro APR

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

    Regular APR

    15.49% - 24.24% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Chase's secure website
    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 every 3 months. 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.

    Intro APR

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

    Regular APR

    15.49% - 24.24% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    • 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
    • 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 15.49-24.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • Enjoy new 5% categories every 3 months
    • Cash Back rewards do not expire as long as your account is open
    • No annual fee
    APPLY NOWAt Chase's secure website

Chase Freedom® offers 0% intro APR for 15 months for purchases and balance transfers (after the intro period, there is a 15.49% - 24.24% 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.

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening

    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
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.49-24.24%. 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

    Intro APR

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

    Regular APR

    15.49% - 24.24% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Chase's secure website
    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.

    Intro APR

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

    Regular APR

    15.49% - 24.24% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    • 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 15.49-24.24%. 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

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 15.49% - 24.24% 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℠.

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically

    Why we like it
    • 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 MatchTM details & other information.
    APPLY NOWAt Discover's secure website

    Intro APR

    0% on purchases and balance transfers for 14 months

    Regular APR

    11.49% - 23.49% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Discover's secure website
    Why we like it
    • 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.
    • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.

    Intro APR

    0% on purchases and balance transfers for 14 months

    Regular APR

    11.49% - 23.49% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    • 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 MatchTM details & other information.
    APPLY NOWAt Discover's secure website

Discover it® Cashback Match™ offers 14 months of 0% intro APR on balance transfers and purchases (11.49% - 23.49% variable APR applies thereafter). Balance transfer fee is 3%. You will also earn 5% cash back in quarterly rotating bonus categories, up to a quarterly maximum of $1,500. Earn unlimited 1% cash back on all your other purchases with this card. As an offer only for new cardmembers, Discover will match all the cash back you have earned at the end of your first year automatically. See our Discover it® Cashback Match™ review.

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

    Why we like it
    • No annual fee
    • $100 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 up to 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, 13.49% - 23.49% 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%

    Intro APR

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

    Regular APR

    13.49% - 23.49% Variable APR

    Annual Fee

    No annual fee

    Credit Required

    Excellent
    Why we like it
    • $100 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 up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
    We least like
    • Foreign transaction fee.

    Intro APR

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

    Regular APR

    13.49% - 23.49% Variable APR

    Annual Fee

    No annual fee

    Credit Required

    Excellent
    • No annual fee
    • $100 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 up to 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, 13.49% - 23.49% 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%

BankAmericard 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% intro APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days. Thereafter there will be a 13.49% - 23.49% 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 $100 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 BankAmericard Cash Rewards™ credit card review.

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  • Earn $150 cash rewards bonus after spending $1,000 in the first 3 months

    Why we like it
    • Earn $150 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 PayTM, during the first 12 months from account opening
    • Cash rewards don't expire as long as your account remains open
    • $0 Annual Fee
    • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.49%-25.49% 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 Cash Wise Visa® Credit Card
    • Select "Apply Now" to learn more about the product features, terms, and conditions
    APPLY NOWAt Wells Fargo's secure website

    Intro APR

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

    Regular APR

    13.49% - 25.49% (Variable)

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Wells Fargo's secure website

    Intro APR

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

    Regular APR

    13.49% - 25.49% (Variable)

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    • Earn $150 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 PayTM, during the first 12 months from account opening
    • Cash rewards don't expire as long as your account remains open
    • $0 Annual Fee
    • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.49%-25.49% 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 Cash Wise Visa® Credit Card
    • Select "Apply Now" to learn more about the product features, terms, and conditions
    APPLY NOWAt Wells Fargo's secure website

Wells Fargo Cash Wise Visa® Credit Card. One of our favorite things about this card is the 0% intro APR for 12 months on purchases and balance transfers, that combined with the 1.8% cash rewards when you make any purchases during the same period on Android PayTM or Apple PayTM mobile wallet make this a great card for balance transfers. After that introductory period is over, you'll need to pay a 13.49% - 25.49% variable APR for purchases and balance transfers (balance transfer fees apply). You'll earn $150 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 $0 annual fee.

  • Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases

    Why we like it
    • Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases
    • 0% Intro APR for 15 months on purchases and balance transfers, then a 13.49%-25.49% variable APR; balance transfer fees apply
    • $0 Annual Fee
    • Enjoy exclusive offers on airline tickets, hotels, car rentals, and cruises
    • Redeem points for travel, gift cards, cash redemption options or merchandise through Go FarTM 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
    • Select "Apply Now" to learn more about the product features, terms, and conditions
    APPLY NOWAt Wells Fargo's secure website

    Intro APR

    0% intro APR for 15 months on purchases and balance transfers

    Regular APR

    13.49% - 25.49% (Variable)

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Wells Fargo's secure website

    Intro APR

    0% intro APR for 15 months on purchases and balance transfers

    Regular APR

    13.49% - 25.49% (Variable)

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    • Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases
    • 0% Intro APR for 15 months on purchases and balance transfers, then a 13.49%-25.49% variable APR; balance transfer fees apply
    • $0 Annual Fee
    • Enjoy exclusive offers on airline tickets, hotels, car rentals, and cruises
    • Redeem points for travel, gift cards, cash redemption options or merchandise through Go FarTM 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
    • Select "Apply Now" to learn more about the product features, terms, and conditions
    APPLY NOWAt Wells Fargo's secure website

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 15 months on purchases and balance transfers. After that there is a 13.49% - 25.49% variable APR. Although there is an introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 15 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 3X points you earn 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.

  • 0% Intro APR for 15 months on purchases and balance transfers, then a 15.65%-25.49% variable APR; balance transfer fees apply

    Why we like it
    • 0% Intro APR for 15 months on purchases and balance transfers, then a 15.65%-25.49% 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® Credit 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

    Intro APR

    0% introductory APR for 15 months on purchases and balance transfers

    Regular APR

    15.65% - 25.49% (Variable)

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Wells Fargo's secure website

    Intro APR

    0% introductory APR for 15 months on purchases and balance transfers

    Regular APR

    15.65% - 25.49% (Variable)

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    • 0% Intro APR for 15 months on purchases and balance transfers, then a 15.65%-25.49% 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® Credit 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

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. Some of the cards which help you save on balance transfer fees are Chase Slate®, which has no balance transfer fees for balance transfers made within the first 60 days after account opening and a 0% introductory APR for 15 months on purchases and balance transfers (15.49% - 24.24% variable APR after that), and 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.