Credit Cards with 0% Balance Transfers
Find a credit card with a 0% introductory APR on balance transfers. A credit card with a 0% introductory APR on balance transfers can save you a lot of money. By taking advantage of this offer, you can save on monthly interest charges while also consolidating your debt. These cards are typically offered for people with good to excellent credit histories.
HSBC Gold Mastercard® credit card
- 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
- No Penalty APR.
- Late Fee Waiver.
- No Foreign Transaction Fees.
- $0 Annual Fee.
- $0 liability for unauthorized purchases.
- Terms Apply.
- See Rates & Fees
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: Be the first to write one
Rewards: None
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0 |
0% Introductory APR on balance transfers for the first 18 months from account opening |
0% Introductory APR on credit card purchases for the first 18 months from account opening |
Variable APR of 13.24%, 17.24% or 21.24% will apply after the Introductory Period |
|
Barclaycard Ring® Mastercard®
- Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply
- Low 14.24% variable APR on purchases and cash advances
- No annual fee
- No foreign transaction fees
- International Chip and PIN
- See Rates & Fees
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: Be the first to write one
Rewards: None
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0 |
See Terms |
N/A |
14.24% Variable |
|
Directly with American Express
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American Express Cash Magnet™ Card
- Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
- Unlimited 1.5% Cash Back on your purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
- $0 plan fees for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- No Annual Fee.
- Terms Apply.
- See Rates & Fees
Credit Needed: ExcellentCreditWeb considers people with a credit score higher than 740 to have excellent credit. 2
Reviews: Be the first to write one
Rewards: Cash Back
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0 |
0% on balance transfers for 15 months |
0% on purchases for 15 months |
15.24%-26.24% Variable |
|
HSBC Cash Rewards Mastercard® credit card
- Earn unlimited 1.5% cash rewards on all purchases.
- Earn a $150 cash rewards intro bonus after spending $2,500 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 15.24%, 19.24% or 25.24% variable APR.
- No Foreign Transaction Fees.
- $0 liability for unauthorized purchases.
- Terms Apply.
- See Rates & Fees
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: 2
Rewards: Cash Back
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0 |
0% Introductory APR on balance transfers for the first 15 months from account opening |
N/A |
Variable APR of 15.24%, 19.24% or 25.24% will be applied |
|
Barclaycard Arrival Plus® World Elite Mastercard®
- Limited Time Offer: Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
- Earn unlimited 2X miles on every purchase
- Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
- Get 5% miles back to use toward your next redemption, every time you redeem
- No foreign transaction fees
- International Chip and PIN for use at self-service chip terminals around the world
- Miles don't expire as long as your account is open, active and in good standing
- See Rates & Fees
Credit Needed: ExcellentCreditWeb considers people with a credit score higher than 740 to have excellent credit. 2
Reviews: Be the first to write one
Rewards: Airlines
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $89 (waived first year) |
0% intro for first 12 billing cycles following each BT that posts within 45 days of account opening |
N/A |
18.24%, 22.24% or 25.24% variable based on your creditworthiness |
|
Directly with Amalgamated Bank of Chicago
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ABOC Platinum Rewards Credit Card
- 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 15.15% - 25.15%, based on your creditworthiness
- Earn a $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
- No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
- Earn Points on Every Purchase! It's simple: $1 = 1 Point
- No Annual Fee
- Select Your Rewards Your Way
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: Be the first to write one
Rewards: Flexible Options
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0* |
0.00% for 12 months* |
0% for 12 months* |
15.15% - 25.15% (Variable)* |
|
Directly with Amalgamated Bank of Chicago
Compare
Amalgamated Bank of Chicago Union Strong Credit Card
- 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 11.50% (V)
- Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
- No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
- Earn Points on Every Purchase! It's simple: $1 = 1 Point
- No Annual Fee
- Select Your Rewards Your Way
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: Be the first to write one
Rewards: Flexible Options
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0* |
0.00% for 12 months* |
0% for 12 months* |
11.50% (Variable)* |
|
Despite the many benefits and a variety of offers from the biggest credit card issuers, there are unique details to consider before opting for this type of offer. Most importantly, pay attention to the balance transfer fee, which is typically outlined in the terms and disclosure. This is typically in the 3 - 5% range. The Chase Slate credit card currently offers an introductory $0 fee, if a balance is transferred withing the first 60 days.
Other factors to consider include: the length of the 0% offer, the purchase interest rate, and the annual fee.
These credit cards are not the right choice for every consumer, but those who are trying to save money on interest and/or consolidate debt should compare the many available offers. After a basic comparison, you'll better understand which one will save you the most money while providing a variety of additional benefits. You may want to check out our
balance transfer calculator for an estimate of savings.
