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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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 redeemed for statement credits.
Low intro APR: 0% for 15 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%.
0% introductory plan fee on each purchase moved into a plan during the first 15 months from the date of account opening with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee. After that, your plan fee will be up to 1.17% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase.
Don't wait for your Card in the mail. Start earning cash back before your Card even arrives, if eligible for Instant Card Number.
No Annual Fee.
Terms Apply.
See Rates & Fees

Credit Needed:
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	12.99%-23.99% Variable

Blue Cash Preferred® Card from American Express

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.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
Don't wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
Low intro APR: 0% for 12 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
$95 annual fee.
Terms Apply.
See Rates & Fees

Credit Needed:
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	12.99%-23.99% 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:
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 13.24% to 26.24%, based on your creditworthiness	N/A*	13.24% to 26.24%, 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:
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 13.24% to 26.24%, based on your creditworthiness.	N/A*	13.24% to 26.24%, 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:
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:
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

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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:
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.

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