Best Balance Transfer Credit Cards: Save Money on 0% APR with No Fee!

Credit cards with 0% introductory interest on balance transfers are designed to help people save money by transferring high interest balances to a 0 interest credit card so that it eliminates potential interest charges. For example, if you have $5,000 in credit card debt and are paying an interest rate of 15%, transferring balances to a credit card with zero interest for 18 months can provide substantial savings. You can save around $1,153 on interest charges over the next 18 months. If you’re carrying a credit card balance each month, it’s well worth your time and effort to apply for a credit card offering 0% intro APR on balance transfers.


Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
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Citi^® Diamond Preferred^® Card Hide Benefits Show Benefits	0% intro APR for 12 months 16.74% - 27.49% (Variable) APR after that rates & fees	0% intro APR for 21 months 16.74% - 27.49% (Variable) APR after that	$0	Excellent, GoodApply Now View Card Details
0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.74% - 27.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening. There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater Get free access to your FICO^® Score online. With Citi Entertainment^®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more. No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
Citi Double Cash^® Card Hide Benefits Show Benefits	17.74% - 27.74% (Variable) APR rates & fees	0% intro APR for 18 months 17.74% - 27.74% (Variable) APR after that	$0	Excellent, GoodApply Now View Card Details
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Chase Freedom Unlimited^® Hide Benefits Show Benefits	0% intro APR for 15 months 18.49% - 27.99% Variable rates & fees	0% intro APR for 15 months 18.49% - 27.99% Variable	$0	Good To ExcellentApply Now View Card Details
Limited Time Offer: Earn a $300 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel^℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases. No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open! Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49% - 27.99%. No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited^® card Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more. Member FDIC
Blue Cash Everyday^® Card from American Express Hide Benefits Show Benefits	0% intro APR for 15 months 19.49% - 28.49% Variable APR after that rates & fees	0% intro APR for 15 months 19.49% - 28.49% Variable APR after that	$0	Good To ExcellentApply Now View Card Details
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. No Annual Fee. Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.49% to 28.49% variable APR. Plan It^®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don't have the pressure of paying all at once. Simply select the purchase in your online account or the American Express^® App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do. Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout. Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday^® Card for a subscription purchase, including a bundle subscription purchase, at Disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal. Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted. Terms Apply.
Mastercard^® Titanium Card^® Hide Benefits Show Benefits	19.74% - 27.74% Variable, based on your creditworthiness and other factors APR	0% intro APR for 15 billing cycles 19.74% - 27.74% Variable, based on your creditworthiness and other factors APR after that	$299 ($149 for each Authorized User added to the account)	ExcellentApply Now View Card Details
Redeem at 2% value for airfare and 1% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $500 cash back, issued as a direct deposit statement credit. Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend. 24/7 Luxury Card Concierge^®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs-and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets. With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests. Brushed Metal Card: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its contactless patented card design and metal construction raises the standard. Carry a card with distinction. Exclusive Luxury Card Travel^® benefits-average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard^® benefits. Annual fee: $299 ($149 for each Authorized User). Terms and conditions apply.
Mastercard^® Gold Card™ Hide Benefits Show Benefits	19.74% - 27.74% Variable, based on your creditworthiness and other factors APR	0% intro APR for 15 billing cycles 19.74% - 27.74% Variable, based on your creditworthiness and other factors APR after that	$1,199 ($349 for each Authorized User added to the account)	ExcellentApply Now View Card Details
Redeem at 2% value for airfare and 2% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $1000 cash back, issued as a direct deposit statement credit. Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend. $300 Annual Airline Credit: Receive up to $300 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more. $200 Annual Dining Credit: Get up to $200 in annual statement credits when you use your Luxury Card at qualifying restaurants. $200 Ship&Play Credit: Send your belongings ahead of time with Ship&Play and receive up to $200 in credits annually. Receive up to $120 reimbursment credit for a Global Entry or TSA PreCheck^® application for each Mastercard Gold Card Primary Cardmember and Authorized Users. 24/7 Luxury Card Concierge^®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs-and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets. With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests. Made with 24K Gold^®: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its contactless patented card design and metal construction raises the standard. Carry a card with distinction. Exclusive Luxury Card Travel^® benefits-average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard^® benefits. Annual Fee: $1,199 ($349 for each Authorized User). Terms and conditions apply.
Mastercard^® Black Card^® Hide Benefits Show Benefits	19.74% - 27.74% Variable, based on your creditworthiness and other factors APR	0% intro APR for 15 billing cycles 19.74% - 27.74% Variable, based on your creditworthiness and other factors APR after that	$699 ($249 for each Authorized User added to the account)	ExcellentApply Now View Card Details
Redeem at 2% value for airfare and 1.5% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $750 cash back, issued as a direct deposit statement credit. Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend. $200 Annual Airline Credit: Receive up to $200 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more. $100 Annual Dining Credit: Get up to $100 in annual statement credits when you use your Luxury Card at qualifying restaurants. Receive up to $120 reimbursment credit for a Global Entry or TSA PreCheck^® application fee. Global Entry includes access to TSA PreCheck^® with no additional application or fee required. 24/7 Luxury Card Concierge^®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs-and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets. With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests. Black-PVD-Coated Metal Card and Made of Stainless Steel^®: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its stainless steel, contactless patented card design and metal construction raises the standard. Carry a card with distinction. Exclusive Luxury Card Travel^® benefits-average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard^® benefits. Annual Fee: $699 ($249 for each Authorized User). Terms and conditions apply.
Citi Strata^℠ Card Hide Benefits Show Benefits	0% intro APR for 15 months 18.74% - 28.74% (Variable) APR after that rates & fees	0% intro APR for 15 months 18.74% - 28.74% (Variable) APR after that	$0	Excellent, GoodApply Now View Card Details
For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening. 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5). Earn 3 ThankYou^® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services. Earn 5 ThankYou^® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel^® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations. Earn 2 ThankYou^® Points for each $1 spent at Restaurants; earn 1 ThankYou^® Point for each $1 spent on All Other Purchases. No Annual Fee

Citi® Diamond Preferred® Card

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Rates & Fees

0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.74% - 27.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater

Citi Double Cash® Card

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Rates & Fees

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.

Chase Freedom Unlimited®

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Rates & Fees

Limited Time Offer: Earn a $300 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel^℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.

Blue Cash Everyday® Card from American Express

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Rates & Fees

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.

Mastercard® Titanium Card®

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Redeem at 2% value for airfare and 1% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $500 cash back, issued as a direct deposit statement credit.
Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.

Mastercard® Gold Card™

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Redeem at 2% value for airfare and 2% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $1000 cash back, issued as a direct deposit statement credit.
Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.

$300 Annual Airline Credit: Receive up to $300 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more.
$200 Annual Dining Credit: Get up to $200 in annual statement credits when you use your Luxury Card at qualifying restaurants.
$200 Ship&Play Credit: Send your belongings ahead of time with Ship&Play and receive up to $200 in credits annually.
Receive up to $120 reimbursment credit for a Global Entry or TSA PreCheck^® application for each Mastercard Gold Card Primary Cardmember and Authorized Users.
24/7 Luxury Card Concierge^®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs-and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets.
With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests.
Made with 24K Gold^®: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its contactless patented card design and metal construction raises the standard. Carry a card with distinction.
Exclusive Luxury Card Travel^® benefits-average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard^® benefits.
Annual Fee: $1,199 ($349 for each Authorized User). Terms and conditions apply.

Mastercard® Black Card®

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Redeem at 2% value for airfare and 1.5% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $750 cash back, issued as a direct deposit statement credit.
Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.

$200 Annual Airline Credit: Receive up to $200 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more.
$100 Annual Dining Credit: Get up to $100 in annual statement credits when you use your Luxury Card at qualifying restaurants.
Receive up to $120 reimbursment credit for a Global Entry or TSA PreCheck^® application fee. Global Entry includes access to TSA PreCheck^® with no additional application or fee required.
24/7 Luxury Card Concierge^®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs-and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets.
With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests.
Black-PVD-Coated Metal Card and Made of Stainless Steel^®: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its stainless steel, contactless patented card design and metal construction raises the standard. Carry a card with distinction.
Exclusive Luxury Card Travel^® benefits-average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard^® benefits.
Annual Fee: $699 ($249 for each Authorized User). Terms and conditions apply.

Citi Strata℠ Card

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Rates & Fees

For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.
0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).