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 17.24% - 27.99% (Variable) APR after that rates & fees	0% intro APR for 21 months 17.24% - 27.99% (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 17.24% - 27.99%, 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	18.24% - 28.24% (Variable) APR rates & fees	0% intro APR for 18 months 18.24% - 28.24% (Variable) APR after that	$0	Excellent, Good, FairApply 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, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel^℠ portal through 12/31/25. Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, 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 18.99% - 28.49% Variable rates & fees	0% intro APR for 15 months 18.99% - 28.49% Variable	$0	Good To ExcellentApply Now View Card Details
Intro Offer: Earn a $200 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 18.99% - 28.49%. 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 20.24% - 29.24% Variable APR after that rates & fees	0% intro APR for 15 months 20.24% - 29.24% 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, 20.24% to 29.24% variable APR. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday^® Card. Enrollment required. 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	20.24% to 28.24% Variable, based on your creditworthiness and other factors APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 20.24% to 28.24% Variable, based on your creditworthiness and other factors APR after that	$195 ($95 for each Authorized User added to the account)	ExcellentApply Now View Card Details
Designed for those seeking an introductory premium travel card with exceptional airfare redemption, access to hotel privileges, and elevated service that most conventional cards do not provide. Cardmembers also receive protection benefits that exceed those of standard credit cards. Offers a flat-rate redemption value of 1% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Cardmembers earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize point values. 24/7 Luxury Card Concierge^®-Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incur no charge for making them, and do not involve department transfers. 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. Brushed Metal Card Design: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between. Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply.
Mastercard^® Gold Card™ Hide Benefits Show Benefits	20.24% to 28.24% Variable, based on your creditworthiness and other factors APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 20.24% to 28.24% Variable, based on your creditworthiness and other factors APR after that	$995 ($295 for each Authorized User added to the account)	ExcellentApply Now View Card Details
Ideal for those seeking a top-of-wallet premium card with straightforward rewards and exceptional service. Cardmembers can avoid juggling various cards and monthly statements while benefiting from travel perks and enhanced protection that exceeds standard credit cards. Offers a flat-rate redemption value of 2% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Cardmembers earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize point values. Annual Airline Credit-up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Cardmembers simply pay for airline purchases with their Mastercard Gold Card and the credit is automatically applied to their account. There's no need to activate or designate an airline. The full credit amount is available at the start of the calendar year. Up to a $120 application fee credit for the cost of TSA Pre✓^® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,500+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest. 24/7 Luxury Card Concierge^®-Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incur no charge for making them, and do not involve department transfers. 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. Made with 24K Gold: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between. Annual Fee: $995 ($295 for each Authorized User). Terms and conditions apply.
Mastercard^® Black Card™ Hide Benefits Show Benefits	20.24% to 28.24% Variable, based on your creditworthiness and other factors APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 20.24% to 28.24% Variable, based on your creditworthiness and other factors APR after that	$495 ($195 for each Authorized User added to the account)	ExcellentApply Now View Card Details
Ideal for those seeking a top-of-wallet premium card with straightforward rewards and exceptional service. Cardmembers can avoid juggling various cards and monthly statements while benefiting from travel perks and enhanced protection that exceeds standard credit cards. Offers a flat-rate redemption value of 1.5% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Cardmembers earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize point values. Annual Airline Credit-up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Cardmembers simply pay for airline purchases with their Mastercard Black Card and the credit is automatically applied to their account. There's no need to activate or designate an airline. The full credit amount is available at the start of the calendar year. Up to a $120 application fee credit for the cost of TSA Pre✓^® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,500+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest. 24/7 Luxury Card Concierge^®-Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incur no charge for making them, and do not involve department transfers. 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. Black PVD-Coated Metal Card: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between. Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.
USAA Rate Advantage Credit Card Hide Benefits Show Benefits	11.15% to 25.15% variable APR rates & fees	0% intro APR for 15 months 11.15% to 25.15% variable APR after that	$0	Good, ExcellentLearn More View Card Details
Must be a USAA^® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents. Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 11.15% to 25.15% will apply to introductory balances. A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies. If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances. No annual fee. No foreign transaction fees. 11.15% to 25.15% variable regular APR. See Rates and Fees for details.

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 17.24% - 27.99%, 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, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel^℠ portal through 12/31/25.

Chase Freedom Unlimited®

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Rates & Fees

Intro Offer: Earn a $200 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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Designed for those seeking an introductory premium travel card with exceptional airfare redemption, access to hotel privileges, and elevated service that most conventional cards do not provide. Cardmembers also receive protection benefits that exceed those of standard credit cards.
Offers a flat-rate redemption value of 1% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Cardmembers earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize point values.

Mastercard® Gold Card™

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Ideal for those seeking a top-of-wallet premium card with straightforward rewards and exceptional service. Cardmembers can avoid juggling various cards and monthly statements while benefiting from travel perks and enhanced protection that exceeds standard credit cards.
Offers a flat-rate redemption value of 2% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Cardmembers earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize point values.

Mastercard® Black Card™

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Ideal for those seeking a top-of-wallet premium card with straightforward rewards and exceptional service. Cardmembers can avoid juggling various cards and monthly statements while benefiting from travel perks and enhanced protection that exceeds standard credit cards.
Offers a flat-rate redemption value of 1.5% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Cardmembers earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize point values.

USAA Rate Advantage Credit Card

Apply Now
Rates & Fees

Must be a USAA^® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 11.15% to 25.15% will apply to introductory balances.