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 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:
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

Blue Cash Preferred® Card from 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:
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 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:
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	16.49% This APR will vary with the market based on the Prime Rate.

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:
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	16.49% This APR will vary with the market based on the Prime Rate.

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:
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	16.49% This APR will vary with the market based on the Prime Rate.

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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