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.
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 14.49% to 25.49%.
- 0% introductory plan fee 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 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
- 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 |
14.49%-25.49% Variable |
|
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.
- Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
- Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
- $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 |
14.49%-25.49% Variable |
|
Directly with Banco Popular
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Avianca Vida Visa® Card
- 20,000 Bonus LifeMiles after first card use
- Earn 2 LifeMiles per $1 spent on Avianca purchases
- Earn 1 LifeMile per $1 spent on all other purchases
- 15% discount on purchases of miles with Multiply Your Miles
- No cap on the number of LifeMiles you can earn
- 0% Introductory offer for 12 months on Balance Transfers
- You must be an Avianca LifeMiles member to apply
- If you are not already a LifeMiles member, create your account here: www.lifemiles.com
- Chip-enabled card provides added security
- Auto Rental Collision Damage Waiver
- Travel Accident Insurance
- Protection against unauthorized charges
- Emergency Card Replacement
- Online Account Management
- Electronic Statements
- Auto-pay option
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: Airlines
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| 59 |
0% introductory APR for the first 12 months. Applies to transfers made within the first 90 days from account opening. After that, your APR will be from 14.74% - 27.74%, based on your creditworthiness |
N/A* |
14.74% - 27.74%, based on your creditworthiness |
|
Directly with Banco Popular
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Avianca Vuela Visa® Card
- 40,000 Bonus LifeMiles after first card use
- Earn 3 LifeMiles per $1 spent on Avianca purchases
- Earn 2 LifeMiles per $1 spent at gas stations and grocery stores
- Earn 1 LifeMile per $1 spent on all other purchases
- No foreign transaction fees
- 15% discount on purchases of miles with Multiply Your Miles
- Free additional piece of baggage for travel between the United States and Central America
- A 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $12,000 spent each year
- An additional 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $24,000 spent each year
- 0% Introductory offer for 12 months on Balance Transfers
- You must be an Avianca LifeMiles member to apply
- If you are not already a LifeMiles member, create your account here: www.lifemiles.com
- Chip-enabled card provides added security
- Auto Rental Collision Damage Waiver
- Travel Accident Insurance
- Protection against unauthorized charges
- Emergency Card Replacement
- Online Account Management
- Electronic Statements
- Auto-pay option
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: Airlines
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| 149 |
0% introductory APR for the first 12 months. Applies to transfers made within the first 90 days from account opening. After that, your APR will be from 14.74% - 27.74%, based on your creditworthiness. |
N/A* |
14.74% - 27.74%, based on your creditworthiness |
|
Directly with Barclays Bank
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Luxury Card™ Mastercard® Titanium Card™
- Patented brushed stainless steel front and carbon back—weighing 22 grams.
- 2% value for airfare redemptions with no blackout dates or seat restrictions.
- 1% value for cash back redemptions.
- 24/7 Luxury Card Concierge®—Available by phone, email, and live mobile chat.
- Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
- Members-only LUXURY MAGAZINE®.
- Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
- Annual fee: $195 ($95 for each Authorized User).
- Earn one point for every one dollar spent.
- Terms and conditions apply.
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% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. |
N/A |
16.49% |
|
Directly with Barclays Bank
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Luxury Card™ Mastercard® Black Card™
- Patented black PVD metal card—weighing 22 grams.
- 2% value for airfare redemptions with no blackout dates or seat restrictions.
- 1.5% value for cash back redemptions.
- 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat.
- Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
- Up to $100 annual airline credit and $100 Global Entry and TSA Pre-Check application fee credit.
- Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
- Annual fee: $495 ($195 for each Authorized User).
- Earn one point for every one dollar spent.
- Terms and conditions apply.
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% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. |
N/A |
16.49% |
|
Directly with Barclays Bank
Compare
Luxury Card™ Mastercard® Gold Card™
- Patented 24K-gold-plated stainless steel front and carbon back—weighing 22 grams.
- 2% value for airfare redemptions with no blackout dates or seat restrictions.
- 2% value for cash back redemptions.
- 24/7 Luxury Card Concierge®-available by phone, email, and live mobile chat.
- Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
- Up to $200 annual airline credit and $100 Global Entry application fee credit.
- Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
- Annual fee: $995 ($295 for each Authorized User).
- Earn one point for every one dollar spent.
- Terms and conditions apply.
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% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. |
N/A |
16.49% |
|
Looking for more balance transfer cards? If you didn't find what you are looking for,
take a look at these balance transfers.
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.
