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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Wells Fargo Reflect℠ Card Hide Benefits Show Benefits	0% intro APR for up to 21 months from account opening 13.74% - 25.74% Variable APR after that rates & fees	0% intro APR for up to 21 months from account opening on qualifying balance transfers 13.74% - 25.74% Variable APR after that	$0	Excellent / Good CreditApply Now View Card Details
0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 13.74% to 25.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5 $0 Annual Fee Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible). Through My Wells Fargo Deals, you can earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card Select "Apply Now" to learn more about the product features, terms and conditions
BankAmericard® credit card Hide Benefits Show Benefits	0% intro APR for 18 billing cycles 13.24% - 23.24% Variable APR after that	0% intro APR for 18 billing cycles for any balance transfers made in the first 60 days 13.24% - 23.24% Variable APR after that	$0	Excellent / Good CreditApply Now View Card Details
$100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening. 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, 13.24% - 23.24% 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. Contactless Cards - The security of a chip card, with the convenience of a tap. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Citi Simplicity® Card Hide Benefits Show Benefits	0% intro APR for 12 months 15.49% - 25.49% (Variable) APR after that	0% intro APR for 21 months on qualified balance transfers 15.49% - 25.49% (Variable) APR after that	$0	Excellent, Good CreditApply Now View Card Details
No Late Fees, No Penalty Rate, and No Annual Fee... Ever 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 15.49% - 25.49%, 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. The standard variable APR for Citi Flex Plan is 15.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion. Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
Citi® Diamond Preferred® Card Hide Benefits Show Benefits	0% intro APR for 12 months 14.49% - 24.49% (Variable) APR after that	0% intro APR for 21 months on qualified balance transfers 14.49% - 24.49% (Variable) APR after that	$0	Excellent, Good CreditApply Now View Card Details
0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 14.49% - 24.49%, 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. The standard variable APR for Citi Flex Plan is 14.49% - 24.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
U.S. Bank Visa® Platinum Card Hide Benefits Show Benefits	See Terms	See Terms	$0	Excellent CreditLearn More View Card Details
Limited Time Offer! 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.74% - 24.74%. Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply. Choose a payment due date that fits your schedule No Annual Fee Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan. Terms and conditions apply.
Citi® Double Cash Card - 18 month BT offer Hide Benefits Show Benefits	14.74% - 24.74% (Variable) APR	0% intro APR for 18 months 14.74% - 24.74% (Variable) APR after that	$0	Excellent, Good CreditApply Now View Card Details
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. Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74%, 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). The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Wells Fargo Active Cash® Card Hide Benefits Show Benefits	0% intro APR for 15 months from account opening 15.74%, 20.74%, or 25.74% Variable APR after that rates & fees	0% intro APR for 15 months from account opening on qualifying balance transfers 15.74%, 20.74%, or 25.74% Variable APR after that	$0	Good / Excellent CreditApply Now View Card Details
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months Earn unlimited 2% cash rewards on purchases 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 15.74%, 20.74%, or 25.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5 $0 annual fee No categories to track or remember and cash rewards don't expire as long as your account remains open Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash® Card Select "Apply Now" to learn more about the product features, terms and conditions
Bank of America® Customized Cash Rewards credit card Hide Benefits Show Benefits	0% intro APR for 15 billing cycles 14.24% - 24.24% Variable APR after that	0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days 14.24% - 24.24% Variable APR after that	$0	Excellent / Good CreditApply Now View Card Details
$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, automatic 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. If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category. No annual fee and no expiration on rewards. 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, 14.24% - 24.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers. Contactless Cards - The security of a chip card, with the convenience of a tap. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Bank of America® Unlimited Cash Rewards credit card Hide Benefits Show Benefits	0% intro APR for 15 billing cycles 14.24% - 24.24% Variable APR after that	0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days 14.24% - 24.24% Variable APR after that	$0	Excellent / Good CreditApply Now View Card Details
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Earn unlimited 1.5% cash back on all purchases. If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn up to 2.62% cash back on every purchase. No annual fee. No limit to the amount of cash back you can earn and cash rewards don't expire. 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, 14.24% - 24.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers. Contactless Cards - The security of a chip card, with the convenience of a tap. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Citi Custom Cash℠ Card Hide Benefits Show Benefits	0% intro APR for 15 months 14.74% - 24.74% (Variable) APR after that	0% intro APR for 15 months 14.74% - 24.74% (Variable) APR after that	$0	Excellent, Good CreditApply Now View Card Details
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories. No Annual Fee Citi will only issue one Citi Custom Cash℠ Card account per person.
Citi Rewards+® Card Hide Benefits Show Benefits	0% intro APR for 15 months 14.24% - 24.24% (Variable) APR after that	0% intro APR for 15 months 14.24% - 24.24% (Variable) APR after that	$0	Excellent, Good CreditApply Now View Card Details
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter. 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 14.24% - 24.24%, 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). The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. The standard variable APR for Citi Flex Plan is 14.24% - 24.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Mastercard® Titanium Card™ Hide Benefits Show Benefits	15.74% Variable APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 15.74% Variable APR after that	$195 ($95 for each Authorized User added to the account)	Excellent, Good CreditApply Now View Card Details
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. Earn one point for every one dollar spent. 24/7 Luxury Card Concierge®-available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small. 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. Members-only LUXURY MAGAZINE®. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits. Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply.
Mastercard® Gold Card™ Hide Benefits Show Benefits	15.74% Variable APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 15.74% Variable APR after that	$995 ($295 for each Authorized User added to the account)	Excellent, Good CreditApply Now View Card Details
Patented 24K-gold-plated 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. Earn one point for every one dollar spent. Annual Airline Credit-up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest. 24/7 Luxury Card Concierge®-available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small. 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. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits. Annual Fee: $995 ($295 for each Authorized User). Terms and conditions apply.
Mastercard® Black Card™ Hide Benefits Show Benefits	15.74% Variable APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 15.74% Variable APR after that	$495 ($195 for each Authorized User added to the account)	Excellent, Good CreditApply Now View Card Details
Patented black-PVD-coated metal card-weighing 22 grams. 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent. Annual Airline Credit-up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest. 24/7 Luxury Card Concierge®-available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small. 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. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits. Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.
U.S. Bank Altitude Go Visa Signature Card Hide Benefits Show Benefits	See Terms	See Terms	$0	Excellent CreditLearn More View Card Details
Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more. 4X points on dining, takeout, and restaurant delivery. 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations 1X point on all other eligible purchases. 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 15.24% - 24.24%. No Annual Fee Points never expire Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan. Terms and conditions apply.
Chase Freedom Unlimited® Hide Benefits Show Benefits	See Terms	See Terms	$0	Good To Excellent CreditLearn More View Card Details
Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back 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 15.24% - 23.99%. 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, real-time alerts, and more.
Chase Freedom Flex℠ Hide Benefits Show Benefits	See Terms	See Terms	$0	Good To Excellent CreditLearn More View Card Details
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! 5% cash back on travel purchased through Chase Ultimate Rewards®, 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 unlimited 1% cash back 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! 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.24% - 23.99%. No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
U.S. Bank Cash+® Visa Signature® Card Hide Benefits Show Benefits	See Terms	See Terms	$0	Excellent / Good CreditLearn More View Card Details
New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening. 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants 1% cash back on all other eligible purchases 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 14.24% - 24.24% No Annual Fee Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan. Terms and conditions apply.
PenFed Gold Visa® Card Hide Benefits Show Benefits	7.49% - 17.99% Variable APR	0% intro APR for 15 months 17.99% APR after that	$0	Good / Excellent CreditApply Now View Card Details
Our Lowest-Rate Card Benefits of this gold card include low APR and low promotional balance transfer APR. Go for the gold today! LOW APR on all purchases $100 Bonus Offer Statement Credit when you spend $1,500 in first 90 days 0% Balance Transfers Promo APR for 15 months on transfers made from now until September 30, 2022. 3% fee applies to each transaction. Subject to credit approval.
PenFed Platinum Rewards Visa Signature® Card Hide Benefits Show Benefits	14.49% - 17.99% Variable APR	0% intro APR for 12 months 17.99% APR after that	$0	Good / Excellent CreditApply Now View Card Details
Get Rewarded on Everyday Purchases 5x Points on gas paid at the pump and EV charging stations 3x Points at the supermarket (including most Target and Walmart locations† ), restaurants, and TV, radio, cable, streaming services 1x Points on all other purchases** 15,000 Bonus Points when you spend $1,500 in first 90 days 0% Balance Transfers Promo APR for 12 months on transfers made from now until September 30, 2022. 3% fee applies to each transaction. Subject to credit approval.
Chase Slate Edge℠ Hide Benefits Show Benefits	See Terms	See Terms	$0	Excellent, Good CreditLearn More View Card Details
Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 15.24% - 23.99% on balance transfers and purchases after the introductory period ends. Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary. Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months. All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate Edge℠ card Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
U.S. Bank Business Platinum Card Hide Benefits Show Benefits	See Terms	See Terms	$0	Excellent / Good CreditLearn More View Card Details
Limited time offer: 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 12.24%-21.24%. Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan. Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more. Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022 Terms and conditions apply
PenFed Power Cash Rewards Visa Signature® Card Hide Benefits Show Benefits	15.99% - 17.99% Variable APR	0% intro APR for 12 months 17.99% APR after that	$0	Good / Excellent CreditApply Now View Card Details
Earn Cash Back for Everyday Purchases No Caps. No Limits. No Gimmicks. 2% Cash Back on all purchases for PenFed Honors Advantage Members 1.5% Cash Back on all purchases made with your card $100 Bonus Offer Statement Credit When you spend $1,500 in the first 90 days 0% Balance Transfers Promo APR for 12 months on transfers made from now until September 30, 2022. 3% fee applies to each transaction. Subject to credit approval.
PenFed Pathfinder® Rewards Visa Signature® Card Hide Benefits Show Benefits	15.99% - 17.99% Variable APR	0% intro APR for 12 months 17.99% APR after that	$95 (waived for existing PenFed Honors Advantage Members)	Good / Excellent CreditApply Now View Card Details
Earn more everywhere you go! 50,000 Bonus Points when you spend $3000 in the first 90 days Up to $799^ total Travel value 4X Points on all Travel categories for PenFed Honors Advantage Members 3X Points on all Travel categories 1.5X Points on all other purchases** 0% Balance Transfers Promo APR for 12 months on transfers made from now until September 30, 2022. 3% fee applies to each transaction. Subject to credit approval.

Wells Fargo Reflect℠ Card

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Rates & Fees

0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 13.74% to 25.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5
$0 Annual Fee