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. See alternative credit cards for balance transfers.


Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
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BankAmericard® credit card Hide Benefits Show Benefits	0% intro APR for 18 billing cycles 14.74% - 24.74% Variable APR after that	0% intro APR for 18 billing cycles for any balance transfers made in the first 60 days 14.74% - 24.74% Variable APR after that	$0	Excellent / Good CreditApply Now View Card Details
0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.74% - 24.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers 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
Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer Hide Benefits Show Benefits	0% intro APR for 15 billing cycles 15.74% - 25.74% Variable APR after that	0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days 15.74% - 25.74% Variable APR after that	$0	Excellent / Good CreditApply Now View Card Details
No annual fee $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.74% - 25.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers No expiration on rewards If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
Capital One® Quicksilver® Cash Rewards Credit Card Hide Benefits Show Benefits	0% intro APR for 15 months 15.74% - 25.74% (Variable) APR	0% intro APR for 15 months 15.74% - 25.74% (Variable) APR	$0	Excellent, Good CreditApply Now View Card Details
One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening Earn unlimited 1.5% cash back on every purchase, every day No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn 0% intro APR on purchases for 15 months; 15.74%-25.74% variable APR after that 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months Pay no annual fee or foreign transaction fees
Capital One® SavorOne® Cash Rewards Credit Card Hide Benefits Show Benefits	0% intro APR for 15 months 15.74% - 25.74% (Variable) APR	0% intro APR for 15 months 15.74% - 25.74% (Variable) APR	$0	Excellent, Good CreditApply Now View Card Details
Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn 0% intro APR on purchases for 15 months; 15.74% - 25.74% variable APR after that 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months No foreign transaction fee No annual fee
Truly Simple® Credit Card from Fifth Third Bank Hide Benefits Show Benefits	0% intro APR for 15 billing cycles 13.74% - 24.74%* Variable APR after that	0% intro APR for 15 billing cycles 13.74% - 24.74%* Variable APR after that	$0	Good, Excellent CreditApply Now View Card Details
Start saving by consolidating your high interest rate cards and making everyday purchases on one card that can help you get what you want. Low 0% introductory APR for your first 15 billing cycles after the account is opened on purchases and balance transfers. After that, your variable APR will be 13.74% to 24.74% based on your creditworthiness. No Penalty Rate (APR) for a missed payment No Annual Fee Click to apply now and view the Notices & Disclosures section for Important Rates, Fees and Other Cost Information.
Mastercard® Titanium Card Hide Benefits Show Benefits	16.74% Variable APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 16.74% Variable APR after that	$195	Excellent, Good CreditApply Now View Card Details
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)
Mastercard® Black Card Hide Benefits Show Benefits	16.74% Variable APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 16.74% Variable APR after that	$495	Excellent, Good CreditApply Now View Card Details
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)
Mastercard® Gold Card Hide Benefits Show Benefits	16.74% Variable APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 16.74% Variable APR after that	$995	Excellent, Good CreditApply Now View Card Details
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)
Avianca Vuela Visa® Card Hide Benefits Show Benefits	14.99% - 27.99%, based on your creditworthiness	0% intro APR for 12 months 14.99% - 27.99%, based on your creditworthiness APR after that	$149	Excellent,Good CreditApply Now View Card Details
Limited time welcome bonus offer: Apply for the Avianca Vuela Visa® credit card and earn 40,000 welcome bonus LifeMiles after your first purchase, PLUS earn an additional 20,000 bonus LifeMiles after you spend at least $1,000 in the first 90 days from account opening. That's a total of 60,000 LifeMiles! Enter the promotional code SB4060 when completing your application in order to receive the additional 20,000 welcome bonus miles with your Avianca LifeMiles credit card after your qualifying purchases. 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 Disclosure: Offer valid for new accounts only. To qualify and receive this special promotional welcome bonus offer, the promotional code: SB4060 must be entered when completing the credit application and you must make Purchases totaling $1,000 or more within 90 days of your Account opening date. (“Purchases” do not include use of Convenience Checks, Balance Transfers, Cash Advances, unauthorized or fraudulent charges or fees of any kind including Annual Fees or Balance Transfer Fees, Purchase of casino chips, other methods of gambling, or any other Transaction that we determine at our sole discretion constitutes or is equivalent to a Cash Advance.) After qualifying, please allow 6 to 8 weeks for bonus miles to post to your LifeMiles Account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. If the promotional code is not entered and an Avianca Vuela Visa credit card is issued, you will receive 40,000 welcome miles after making the first purchase according to the regular conditions of the welcome bonus. This promotion cannot be combined with any other offers. Promotion applies when the cardholder enters the promotional code in the application by December 31st, 2019.
ABOC Platinum Rewards Credit Card Hide Benefits Show Benefits	0% intro APR for 12 months 14.90%-24.90% Variable APR after that	0% intro APR for 12 months 14.90%-24.90% Variable APR after that	$0	Excellent, Good CreditApply Now View Card Details
0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 14.90% - 24.90%, based on your creditworthiness Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award! Earn Points on Every Purchase! It's simple: $1 = 1 Point No Annual Fee Select Your Rewards Your Way
Avianca Vida Visa® Card Hide Benefits Show Benefits	14.99% - 27.99%, based on your creditworthiness	0% intro APR for 12 months 14.99% - 27.99%, based on your creditworthiness APR after that	$59	Excellent,Good CreditApply Now View Card Details
Limited time welcome bonus offer: Apply for the Avianca Vida Visa® credit card and earn 20,000 welcome bonus LifeMiles after your first purchase, PLUS earn an additional 20,000 bonus LifeMiles after you spend at least $1,000 in the first 90 days from account opening. That's a total of 40,000 LifeMiles! Enter the promotional code SB4060 when completing your application in order to receive the additional 20,000 welcome bonus miles with your Avianca LifeMiles credit card after your qualifying purchases. 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 Chip-enabled card provides added security Auto Rental Collision Damage Waiver Travel Accident Insurance Disclosure: Offer valid for new accounts only. To qualify and receive this special promotional welcome bonus offer, the promotional code: SB4060 must be entered when completing the credit application and you must make Purchases totaling $1,000 or more within 90 days of your Account opening date. (“Purchases” do not include use of Convenience Checks, Balance Transfers, Cash Advances, unauthorized or fraudulent charges or fees of any kind including Annual Fees or Balance Transfer Fees, Purchase of casino chips, other methods of gambling, or any other Transaction that we determine at our sole discretion constitutes or is equivalent to a Cash Advance.) After qualifying, please allow 6 to 8 weeks for bonus miles to post to your LifeMiles Account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. If the promotional code is not entered and an Avianca Vida Visa credit card is issued, you will receive 20,000 welcome miles after making the first purchase according to the regular conditions of the welcome bonus. This promotion cannot be combined with any other offers. Promotion applies when the cardholder enters the promotional code in the application by Promotion applies when the cardholder enters the promotional code in the application by December 31st, 2019.
TRIO® Credit Card from Fifth Third Bank Hide Benefits Show Benefits	15.74% - 24.74%* Variable APR	0% intro APR for 12 billing cycles 15.74% - 24.74%* Variable APR after that	$0	Good, Excellent CreditApply Now View Card Details
3% cash back at restaurants and 2% cash back on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories 1% unlimited cash back on all other purchases Earn a new account bonus worth $100! Earn 10,000 bonus points which can be redeemed for $100 cash back, simply spend $1,000 within 90 days of opening your account 0% Introductory APR on Balance Transfers for your first 12 billing cycles after the account is open, then your variable APR will be 15.74% to 24.74% based on your creditworthiness No international transaction fees on credit purchases No Annual Fee Click apply now and view the Notices & Disclosures section for Important Rates, Fees and Other Cost Information and Rewards Details

BankAmericard® credit card

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0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.74% - 24.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
No annual fee

Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

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No annual fee
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Capital One® Quicksilver® Cash Rewards Credit Card

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One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day

Capital One® SavorOne® Cash Rewards Credit Card

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Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases

Truly Simple® Credit Card from Fifth Third Bank

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Start saving by consolidating your high interest rate cards and making everyday purchases on one card that can help you get what you want.
Low 0% introductory APR for your first 15 billing cycles after the account is opened on purchases and balance transfers. After that, your variable APR will be 13.74% to 24.74% based on your creditworthiness.

Mastercard® Titanium Card

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Brushed Stainless Steel - Patented Card Design
2% Value for Airfare Redemptions

Mastercard® Black Card

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Stainless Steel - Patented Black-PVD-Coated Metal Card
2% Value for Airfare Redemptions

Mastercard® Gold Card

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24K-Gold-Plated - Patented Card Design
2% Value for Airfare Redemptions

Avianca Vuela Visa® Card

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Limited time welcome bonus offer: Apply for the Avianca Vuela Visa® credit card and earn 40,000 welcome bonus LifeMiles after your first purchase, PLUS earn an additional 20,000 bonus LifeMiles after you spend at least $1,000 in the first 90 days from account opening. That's a total of 60,000 LifeMiles!
Enter the promotional code SB4060 when completing your application in order to receive the additional 20,000 welcome bonus miles with your Avianca LifeMiles credit card after your qualifying purchases.

ABOC Platinum Rewards Credit Card

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0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 14.90% - 24.90%, based on your creditworthiness
Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening

Avianca Vida Visa® Card

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Limited time welcome bonus offer: Apply for the Avianca Vida Visa® credit card and earn 20,000 welcome bonus LifeMiles after your first purchase, PLUS earn an additional 20,000 bonus LifeMiles after you spend at least $1,000 in the first 90 days from account opening. That's a total of 40,000 LifeMiles!
Enter the promotional code SB4060 when completing your application in order to receive the additional 20,000 welcome bonus miles with your Avianca LifeMiles credit card after your qualifying purchases.

TRIO® Credit Card from Fifth Third Bank

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3% cash back at restaurants and 2% cash back on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
1% unlimited cash back on all other purchases