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. (alternative credit cards for balance transfers).


Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
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Wells Fargo Platinum card Hide Benefits Show Benefits	0% intro APR for 18 months 16.99% - 26.49% (Variable) APR after that Rates & Fees	0% intro APR for 18 months on qualifying balance transfers 16.99% - 26.49% (Variable) APR after that	$0	Good / Excellent CreditApply Now View Card Details
Pay down balances instead of interest with Wells Fargo's longest intro APR $0 Annual Fee 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 Platinum card Easy access to your FICO® Credit Score with Wells Fargo Online® Zero Liability protection for promptly reported unauthorized transactions Convenient tools to help create a budget and manage your spending with My Money Map 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 14.49% - 24.49% Variable APR after that	0% intro APR for 18 billing cycles for any balance transfers made in the first 60 days 14.49% - 24.49% 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, 14.49% - 24.49% 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
ABOC Platinum Rewards Credit Card Hide Benefits Show Benefits	0% intro APR for 12 months 14.40% - 24.40% Variable APR after that	0% intro APR for 18 months 14.40% - 24.40% Variable APR after that	$0	Excellent, Good CreditApply Now View Card Details
0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% - 24.40%, 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
Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer Hide Benefits Show Benefits	0% intro APR for 15 billing cycles 15.49% - 25.49% Variable APR after that	0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days 15.49% - 25.49% 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, 15.49% - 25.49% 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 cash back on every purchase
Wells Fargo Cash Wise Visa® card Hide Benefits Show Benefits	0% intro APR for 15 months 15.49% - 27.49% (Variable) APR after that Rates & Fees	0% intro APR for 15 months on qualifying balance transfers 15.49% - 27.49% (Variable) APR after that	$0	Good / Excellent CreditApply Now View Card Details
Earn a $150 cash rewards bonus after spending $500 in the first 3 months Earn unlimited 1.5% cash rewards on purchases Enjoy 1.8% cash rewards on qualified digital wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening No category restrictions or sign ups and cash rewards don't expire as long as your account remains open 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 Cash Wise Visa® card $0 Annual Fee Select "Apply Now" to learn more about the product features, terms and conditions
Citi Rewards+℠ Card Hide Benefits Show Benefits	0% intro APR for 15 months 14.99% - 24.99% (Variable) APR after that	0% intro APR for 15 months 14.99% - 24.99% (Variable) APR after that	$0	Excellent, Good CreditLearn More View Card Details
The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap. Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness. Balance transfer fee - either $5 or 3% of the amount of each transfer, whichever is greater. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases. The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Citi Simplicity® Card - No Late Fees Ever Hide Benefits Show Benefits	0% intro APR for 12 months 16.24% - 26.24% (Variable) APR after that	0% intro APR for 21 months 16.24% - 26.24% (Variable) APR after that	$0*	Excellent, Good CreditLearn More View Card Details
No Late Fees, No Penalty Rate, and No Annual Fee... Ever 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness. 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness. If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full 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 16.24% - 26.24%, 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 15.24% - 25.24% (Variable) APR after that	0% intro APR for 21 months 15.24% - 25.24% (Variable) APR after that	$0	Excellent CreditLearn More View Card Details
0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 15.24% - 25.24%, based on your creditworthiness. All transfers must be completed in first 4 months. 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.24% - 25.24%, based on your creditworthiness. If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full. 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. Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions. The standard variable APR for Citi Flex Plan is 15.24% - 25.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Citi® Double Cash Card - 18 month BT offer Hide Benefits Show Benefits	15.49% - 25.49% (Variable) APR	0% intro APR for 18 months 15.49% - 25.49% (Variable) APR after that	$0	Excellent, Good CreditLearn More View Card Details
Earn cash back twice. 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 Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness. Balance Transfers do not earn cash back. 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 a balance transfer fee of either $5 or 3% 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.
Capital One® Quicksilver® Cash Rewards Credit Card Hide Benefits Show Benefits	0% intro APR for 15 months 15.49% - 25.49% (Variable) APR	0% intro APR for 15 months 15.49% - 25.49% (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; 15.49%-25.49% variable APR after that 0% intro APR on balance transfers for 15 months; 15.49%-25.49% 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 15.49% - 25.49% (Variable) APR	0% intro APR for 15 months 15.49% - 25.49% (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; 15.49% - 25.49% variable APR after that 0% intro APR on balance transfers for 15 months; 15.49% - 25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months No foreign transaction fee No annual fee
Mastercard® Titanium Card Hide Benefits Show Benefits	16.49% Variable APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 16.49% Variable APR after that	$195	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. 24/7 Luxury Card Concierge®-Available by phone, email, and live mobile chat. Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages). Members-only LUXURY MAGAZINE®. Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more. Annual fee: $195 ($95 for each Authorized User). Earn one point for every one dollar spent. Terms and conditions apply.
Mastercard® Black Card Hide Benefits Show Benefits	16.49% Variable APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 16.49% Variable APR after that	$495	Excellent, Good CreditApply Now View Card Details
Patented black PVD metal card-weighing 22 grams. 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. 24/7 Luxury Card Concierge®-available by phone, email and live mobile chat. Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages). Up to $100 annual airline credit and $100 Global Entry and TSA Pre-Check application fee credit. Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more. Annual fee: $495 ($195 for each Authorized User). Earn one point for every one dollar spent. Terms and conditions apply.
Mastercard® Gold Card Hide Benefits Show Benefits	16.49% Variable APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 16.49% Variable APR after that	$995	Excellent, Good CreditApply Now View Card Details
Patented 24K-gold-plated stainless steel 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. 24/7 Luxury Card Concierge®-available by phone, email, and live mobile chat. Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages). Up to $200 annual airline credit and $100 Global Entry application fee credit. Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more. Annual fee: $995 ($295 for each Authorized User). Earn one point for every one dollar spent. Terms and conditions apply.
Wells Fargo Propel American Express® card Hide Benefits Show Benefits	0% intro APR for 12 months 15.49% - 27.49% (Variable) APR after that Rates & Fees	0% intro APR for 12 months on qualifying balance transfers 15.49% - 27.49% (Variable) APR after that	$0	Good / Excellent CreditApply Now View Card Details
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value $0 annual fee and no foreign currency conversion fee Earn 3X points on eating out and ordering in Earn 3X points on travel including flights, hotels, homestays and car rentals Earn 3X points on gas stations, rideshares and transit Earn 3X points on popular streaming services Earn 1X points on other purchases Select "Apply Now" to learn more about the product features, terms and conditions
Avianca Vuela Visa® Card Hide Benefits Show Benefits	14.74% - 27.74%, based on your creditworthiness	0% intro APR for 12 months 14.74% - 27.74%, based on your creditworthiness APR after that	$149	Excellent,Good CreditApply Now View Card Details
40,000 Bonus LifeMiles after first card use 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 You must be an Avianca LifeMiles member to apply If you are not already a LifeMiles member, create your account here: www.lifemiles.com
Avianca Vida Visa® Card Hide Benefits Show Benefits	14.74% - 27.74%, based on your creditworthiness	0% intro APR for 12 months 14.74% - 27.74%, based on your creditworthiness APR after that	$59	Excellent,Good CreditApply Now View Card Details
20,000 Bonus LifeMiles after first card use 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 You must be an Avianca LifeMiles member to apply If you are not already a LifeMiles member, create your account here: www.lifemiles.com Chip-enabled card provides added security Auto Rental Collision Damage Waiver Travel Accident Insurance Protection against unauthorized charges
U.S. Bank Cash+™ Visa Signature® Card Hide Benefits Show Benefits	15.49% - 25.49%* Variable APR	0% intro APR for 12 billing cycles 15.49% - 25.49%* Variable APR after that	$0*	Excellent CreditLearn More View Card Details
Earn up to $550 cash back in the first year. $150 bonus after spending $500 in eligible net purchases within the first 90 days of account opening. 5% cash back on your first $2,000 in combined eligible net purchases ($100 per quarter) on two categories you choose. That adds up to $400 cash back! 2% cash back on your choice of one everyday category, like gas stations or grocery stores. 1% cash back on all other eligible net purchases. No limit on total cash back earned. 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 15.49% - 25.49% No annual fee* Great Offer from U.S. Bank, a 2019 World's Most Ethical Company® - Ethisphere Institute, February 2019

Wells Fargo Platinum card

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Pay down balances instead of interest with Wells Fargo's longest intro APR
$0 Annual Fee