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.
Featured Credit Cards Found.
- $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
- Chase Slate named "Best Credit Card for Balance Transfers" four years in a row by Money Magazine
- 0% Introductory APR for 15 months on purchases and balance transfers
- Monthly FICO® Score and Credit Dashboard for free
- No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
- $0 Annual Fee
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1
Reviews: 2
Rewards: None
| Annual Fee | BT Intro APR |
Purchase Intro APR | Regular APR |
| $0 | 0% for 15 months | 0% for 15 months | 15.74% - 24.49% Variable |
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- 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 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
- Redeem for cash — any amount, anytime
- Cash Back rewards do not expire as long as your account is open
- No annual fee
Credit Needed: ExcellentCreditWeb considers people with a credit score higher than 730 to have excellent credit. 1
Reviews: 3
Rewards: Cash Back
| Annual Fee | BT Intro APR |
Purchase Intro APR | Regular APR |
| $0 | 0% for 15 months | 0% for 15 months | 15.74% - 24.49% Variable |
|
Directly with Bank of America®
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- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.74% - 22.74% 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
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1
Reviews: Be the first to write one
Rewards: None
| Annual Fee | BT Intro APR |
Purchase Intro APR | Regular APR |
| $0* | 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days* | 0% Intro APR for 15 billing cycles on purchases | 12.74% - 22.74% Variable APR on purchases |
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Directly with American Express
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- Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
- 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. Terms and limitations apply.
- 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
- You can use Membership Rewards® points for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
- No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.99% to 23.99%, based on your creditworthiness and other factors.
- Terms Apply.
- See Rates & Fees
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1
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 | 13.99%-23.99% Variable |
|
Directly with Bank of America®
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- NEW OFFER: $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
- From June 2015 through December 2020, Bank of America is guaranteeing to Susan G. Komen® $3 million in conjunction with its Pink Ribbon Banking credit card and checking program.
- Susan G. Komen® has received more than $7 million from Bank of America from this program since 2009.
- Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
- No annual fee
- No changing categories and no expiration on rewards
- Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
- 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.74% - 23.74% Variable APR. 3% fee (min $10) applies to balance transfers.
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1
Reviews: Be the first to write one
Rewards: Cash Back
| Annual Fee | BT Intro APR |
Purchase Intro APR | Regular APR |
| $0* | 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days.* | 0% Intro APR for 12 billing cycles on purchases | 13.74% - 23.74% Variable APR on purchases |
|
Directly with Bank of America®
Compare
- No annual fee
- NEW OFFER: $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 up to 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, 13.74% - 23.74% 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%
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1
Reviews: 4
Rewards: Cash Back
| Annual Fee | BT Intro APR |
Purchase Intro APR | Regular APR |
| $0* | 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days* | 0% Intro APR for 12 billing cycles on purchases | 13.74% - 23.74% Variable APR on purchases |
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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.
