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.




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HSBC Gold Mastercard® credit card
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Directly with HSBC

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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 12.99% - 20.99% 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
N/A 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 12.99% - 20.99% will apply after the Introductory Period
HSBC Cash Rewards Mastercard® credit card
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HSBC Cash Rewards Mastercard® credit card

  • Earn unlimited 1.5% cash back on all purchases.
  • Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.99% - 24.99% 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
N/A 0% Introductory APR on balance transfers for the first 12 months from account opening 0% Introductory APR on credit card purchases for the first 12 months from account opening Variable APR of 14.99% - 24.99% will apply after the Introductory Period
Amalgamated Bank of Chicago Union Strong Credit Card
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Directly with Amalgamated Bank of Chicago

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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)*
Blue Cash Preferred® Card from American Express
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Directly with American Express

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Blue Cash Preferred® Card from American Express

  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • NEW 6% Cash Back on select U.S. streaming subscriptions.
  • NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%
  • $95 annual fee.
  • 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: 3
Rewards: Cash Back
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$95 0% on balance transfers for 12 months 0% on purchases for 12 months 14.99%-25.99% Variable
Luxury Card™ Mastercard® Titanium Card™
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Directly with Barclays Bank

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Luxury Card™ Mastercard® Titanium Card™

  • Brushed Stainless Steel – Patented Card Design
  • 2% Value for Airfare Redemptions
  • 1% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™ – Available by phone, email, and mobile chat
  • Exclusive Luxury Card Travel Benefits
  • Members-Only LUXURY MAGAZINE
  • Annual Fee: $195 ($95 for each Authorized User)


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: Flexible Options
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$195 ($95 for each Authorized User added to the account) 0% For the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. N/A 17.24%
Luxury Card™ Mastercard® Black Card™
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Directly with Barclays Bank

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Luxury Card™ Mastercard® Black Card™

  • Stainless Steel – Patented Black-PVD-Coated Metal Card
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™ – Available by phone, email, and mobile chat
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $495 ($195 for each Authorized User)


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: Flexible Options
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$495 ($195 for each Authorized User added to the account) 0% For the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. N/A 17.24%
Luxury Card™ Mastercard® Gold Card™
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Directly with Barclays Bank

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Luxury Card™ Mastercard® Gold Card™

  • 24K-Gold-Plated – Patented Card Design
  • 2% Value for Airfare Redemptions
  • 2% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™ – Available by phone, email, and mobile chat
  • Exclusive Luxury Card Travel Benefits
  • $200 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $995 ($295 for each Authorized User)


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: Flexible Options
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$995 ($295 for each Authorized User added to the account) 0% For the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. N/A 17.24%
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.
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