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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The Amex EveryDay® Credit Card from American Express
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The Amex EveryDay® Credit Card from American Express

  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.24% to 24.24%.
  • No annual fee.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • 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: 1
Rewards: Other
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 0% on Balance Transfers for 12 months 0% on Purchases for 12 months 14.24%-24.24% Variable
Barclaycard Arrival Plus® World Elite Mastercard®
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Barclaycard Arrival Plus® World Elite Mastercard®

  • Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on purchases made while traveling abroad
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 17.24%, 21.24% or 24.24%, based on your creditworthiness.
  • There is a fee for balance transfers.


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% for 12 months (on balance transfers made within 45 days of account opening) N/A 17.24%, 21.24% or 24.24% Variable
HSBC Gold Mastercard® credit card
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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 12.24%, 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.

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% Intro APR for 18 months 0% Intro APR for 18 months Variable APR of 12.24%, 16.24% or 20.24%
JetBlue Plus Card
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JetBlue Plus Card

  • Earn 30,000 bonus points after you spend $1,000 on purchases within the first 90 days
  • Earn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
  • Points awarded in your TrueBlue account don't expire
  • Earn 5,000 bonus points every year after your account anniversary
  • 50% savings on eligible inflight purchases like cocktails and food & the primary cardmember's first checked bag is free on JetBlue-operated flights
  • Enjoy TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases each calendar year with your card
  • Enjoy a $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card


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
$99 0% for 12 months (on balance transfers made within 45 days of account opening) N/A 13.24%, 21.24% or 26.24% variable
HSBC Cash Rewards Mastercard® credit card
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HSBC Cash Rewards Mastercard® credit card

  • 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.

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: 1
Rewards: Cash Back
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 0% Intro APR for 15 months N/A Variable APR of 14.24%, 18.24% or 24.24%
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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