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
$0 Intro Balance Transfer FeeChase Slate®
Balance TransferBankAmericard® Credit Card
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 No Balance Transfer Fee Intro: Chase Slate®

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Chase Slate<sup>®</sup>

Chase Slate®

APPLY NOWAt Chase's secure website
  • $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
  • See monthly updates to your FICO® Score and the reasons behind your score 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

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

16.24% - 24.99% Variable

$0

Why we like it
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening.
Excellent/Good

Advantages of Chase Slate®:

  • Chase Slate® is one of the few cards 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 16.24% - 24.99% 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 Balance Transfers

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
BankAmericard<sup>®</sup> Credit Card

BankAmericard® Credit Card

APPLY NOWAt Bank of America's secure website
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 13.24% - 23.24% Variable APR
  • $0 Intro balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
APPLY NOWAt Bank of America's secure website

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days

13.24% - 23.24% Variable APR on purchases and balance transfers

$0

Excellent/Good

Advantages of BankAmericard® Credit Card:

  • BankAmericard® credit card is an excellent card if you are looking to transfer a balance since it offers a $0 intro balance transfer fee on balance transfers made during the first 60 days of account opening! After that, the fee for future balance transfers is 3% ($10 minimum) balance transfer fee applies to each balance transfer. Most cards charge at least 3% of your balance transfer from the very beginning, so you could save money if you transfer a balance within the first 60 days of account opening.
  • Enjoy a 0% intro APR for 15 billing cycles on purchases and on balance transfers made in the first 60 days with 13.24% - 23.24% variable APR thereafter. You will have to make balance transfers within the first 60 days after opening your account to benefit from the 0% intro APR. There is no annual fee
  • If you forget to pay your credit card on time you won't have to worry about paying a penalty APR. Of course, we still recommend making your payment on time when possible.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app.

Downsides of BankAmericard® Credit Card:

  • BankAmericard® Credit Card doesn't have a rewards program or cash back program.

Bottom line:

This card is definitely one to consider if you are looking for a balance transfer card. Enjoy a $0 intro balance transfer fee on balance transfers made during the first 60 days of account opening (after that 3% ($10 minimum) balance transfer fee applies to each balance transfer) and the 0% intro APR for 15 billing cycles on purchases and on balance transfers made in the first 60 days (13.24% - 23.24% variable APR thereafter) without having to pay an annual fee. 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. Read our review of BankAmericard® credit card.

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

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit 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
  • 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 14.74% - 24.74% 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

14.74% - 24.74%* (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 14.74% - 24.74%* 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 likeCredit RequiredRelated links
Chase Freedom<sup>®</sup>

Chase Freedom®

APPLY NOWAt Chase's secure website
  • 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
  • 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 16.24-24.99%. 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
APPLY NOWAt Chase's secure website

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

16.24% - 24.99% 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 16.24% - 24.99% 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 likeCredit RequiredRelated links
Chase Freedom Unlimited<sup>®</sup>

Chase Freedom Unlimited®

APPLY NOWAt Chase's secure website
  • 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 16.24-24.99%. 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
APPLY NOWAt Chase's secure website

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

16.24% - 24.99% 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 16.24% - 24.99% 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 likeCredit RequiredRelated links
Bank of America<sup>®</sup> Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card

APPLY NOWAt Bank of America's secure website
  • $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, 14.24% - 24.24% 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%
APPLY NOWAt Bank of America's secure website

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

14.24% - 24.24% 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 a 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 14.24% - 24.24% 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.

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

Wells Fargo Cash Wise Visa® Card

APPLY NOWAt Wells Fargo's secure website
  • 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 14.24%-26.24% 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

14.24%-26.24% (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 14.24% - 26.24% 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 likeCredit RequiredRelated links
Wells Fargo Platinum Visa<sup>®</sup> Card

Wells Fargo Platinum Visa® Card

APPLY NOWAt Wells Fargo's secure website
  • 0% Intro APR for 15 months on purchases and balance transfers, then a 16.40%-26.24% 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 15 months on purchases and balance transfers

16.40%-26.24% (Variable)

$0

Excellent/Good

Wells Fargo Platinum Visa® Card has a long 0% intro APR for 15 months on purchases and balance transfers (16.40% - 26.24% variable APR thereafter) which makes this a great card to use if you're planning on making a large purchase or balance transfer. This card also has other useful features: earn up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellphone bill with this card, free access to your FICO® Credit Score and Zero Liability protection. This card has a $0 annual fee.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
HSBC Cash Rewards Mastercard<sup>®</sup> credit card

HSBC Cash Rewards Mastercard® credit card

APPLY NOWAt HSBC's secure website
  • Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.10% Anniversary Bonus on all Cash Rewards earned once a year.
  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 14.24%, 18.24% or 24.24% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
APPLY NOWAt HSBC's secure website

0% Intro APR for 15 months on balance transfers

Variable APR of 14.24%, 18.24% or 24.24%

$0

Good/Excellent

HSBC Cash Rewards Mastercard® credit card. In our opinion one of the top features of this card is the lengthy 0% intro APR for 15 months on balance transfers which really makes this card one of our top picks for balance transfers. After the intro period is over there is a 14.24%, 18.24% or 24.24% variable APR. You will earn unlimited 1.5% cash rewards on all the purchases you make. As a welcome bonus you can earn $150 cash rewards after spending $500 in the first 3 months of opening your account. This card has no foreign transaction fees, a $0 annual fee and $0 liability for unauthorized purchases. Terms Apply.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
HSBC Gold Mastercard<sup>®</sup> credit card

HSBC Gold Mastercard® credit card

APPLY NOWAt HSBC's secure website
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.24%, 16.24% or 20.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
APPLY NOWAt HSBC's secure website

0% Intro APR on purchases and balance transfers for the first 18 months from Account opening.

Variable APR of 12.24%, 16.24% or 20.24%

$0

Good/Excellent

HSBC Gold Mastercard® credit card has a 0% intro APR on purchases and balance transfers for the first 18 months from account opening after that introductory period a 12.24%, 16.24% or 20.24% variable APR on purchases and balance transfers applies. When you make balance transfers either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. HSBC Gold Mastercard® credit card has no penalty APR and a late fee waiver. There is $0 liability for unauthorized purchases and there are no foreign transaction fees so you won't pay extra when making purchases abroad. Terms apply. Here's our HSBC Gold Mastercard® credit card review. $0 annual fee.

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.