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 21 months from account opening 18.24%, 24.74%, or 29.99% Variable APR thereafter rates & fees	0% intro APR for 21 months from account opening on qualifying balance transfers 18.24%, 24.74%, or 29.99% Variable APR thereafter	$0	Excellent / Good CreditApply Now View Card Details
Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5. $0 Annual Fee. Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible. Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Bank of America^® Travel Rewards credit card Hide Benefits Show Benefits	0% intro APR for 15 billing cycles 18.24% - 28.24% Variable APR after that	0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days 18.24% - 28.24% Variable APR after that	$0	Excellent / Good CreditApply Now View Card Details
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions. Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout. 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, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers. If you're a Bank of America Preferred Rewards^® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. 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^® Customized Cash Rewards credit card Hide Benefits Show Benefits	0% intro APR for 15 billing cycles 18.24% - 28.24% Variable APR after that	0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days 18.24% - 28.24% 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 - now with expanded categories, 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. Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services). If you're a Bank of America Preferred Rewards^® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category. No annual fee and cash rewards don't expire as long as your account remains open. 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, 18.24% - 28.24% Variable APR will apply. A 3% fee 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 18.24% - 28.24% Variable APR after that	0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days 18.24% - 28.24% 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 Bank of America Preferred Rewards^® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards. No annual fee. No limit to the amount of cash back you can earn and cash rewards don't expire as long as your account remains open. 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, 18.24% - 28.24% Variable APR will apply. A 3% fee 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.
Chase Slate Edge^℠ Hide Benefits Show Benefits	0% intro APR for 18 months 20.49% - 29.24% Variable	0% intro APR for 18 months 20.49% - 29.24% Variable	$0	Excellent, Good CreditApply Now 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 20.49% - 29.24% 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 Member FDIC
Citi Double Cash^® Card Hide Benefits Show Benefits	19.24% - 29.24% (Variable) APR rates & fees	0% intro APR for 18 months 19.24% - 29.24% (Variable) APR after that	$0	Excellent, Good, Fair CreditApply 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, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel^℠ portal through 12/31/24. Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, 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).
Wells Fargo Active Cash^® Card Hide Benefits Show Benefits	0% intro APR for 15 months from account opening 20.24%, 25.24%, or 29.99% Variable APR thereafter rates & fees	0% intro APR for 15 months from account opening on qualifying balance transfers 20.24%, 25.24%, or 29.99% Variable APR thereafter	$0	Good / Excellent CreditApply Now View Card Details
Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions. Earn a $200 cash rewards bonus after spending $500 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. 20.24%, 25.24%, or 29.99% 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. No categories to track or remember and cash rewards don't expire as long as your account remains open. Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge. Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Citi Custom Cash^® Card Hide Benefits Show Benefits	0% intro APR for 15 months 19.24% - 29.24% (Variable) APR after that rates & fees	0% intro APR for 15 months 19.24% - 29.24% (Variable) APR after that	$0	Excellent, Good, Fair CreditApply 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. 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, 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.
Chase Freedom Unlimited^® Hide Benefits Show Benefits	0% intro APR for 15 months 20.49% - 29.24% Variable	0% intro APR for 15 months 20.49% - 29.24% Variable	$0	Good To Excellent CreditApply Now View Card Details
Special Offer: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match. Unlimited 1.5% cash back is just the beginning of what you can earn. You'll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 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; and 1.5% cash back on all other purchases. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%. 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! 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. Member FDIC
Citi Rewards+^® 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, 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 Plus, for a limited time, earn 5 ThankYou^® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel^℠ portal through June 30, 2024. 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 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 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 Citi Rewards+^® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap. No Annual Fee
Blue Cash Everyday^® Card from American Express Hide Benefits Show Benefits	0% intro APR for 15 months 19.24% - 29.99% Variable APR after that rates & fees	0% intro APR for 15 months 19.24% - 29.99% Variable APR after that	$0	Good To Excellent CreditApply 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. Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% 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%. 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. Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday^® Card. Terms Apply.
Mastercard^® Titanium Card™ Hide Benefits Show Benefits	21.24%, 25.43% or 28.24% APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 21.24%, 25.43% or 28.24% APR after that	$195 ($95 for each Authorized User added to the account)	Very Good To Excellent CreditApply Now View Card Details
Brushed stainless steel and carbon card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees. 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. No minimum threshold requirement for cash back or airfare redemptions. 24/7 Luxury Card Concierge^®-available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge's assistance. 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. Plus, peace of mind protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. 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	21.24%, 25.43% or 28.24% APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 21.24%, 25.43% or 28.24% APR after that	$995 ($295 for each Authorized User added to the account)	Very Good To Excellent CreditApply Now View Card Details
24K-Gold-Plated and stainless steel card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees. Simple and flexible rewards without the hoops. 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. No minimum threshold requirement for cash back or airfare redemptions. Annual Airline Credit-up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Gold Card and we will automatically apply the credit to your account. That's it. No need to activate or designate an airline. Up to a $100 application fee credit for the cost of TSA Pre✓^® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ 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^®-available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge's assistance. 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. Plus, peace of mind 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: $995 ($295 for each Authorized User). Terms and conditions apply.
Mastercard^® Black Card™ Hide Benefits Show Benefits	21.24%, 25.43% or 28.24% APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 21.24%, 25.43% or 28.24% APR after that	$495 ($195 for each Authorized User added to the account)	Very Good To Excellent CreditApply Now View Card Details
Stainless steel and carbon card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees. Simple and flexible rewards without the hoops. 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. No minimum threshold requirement for cash back or airfare redemptions. Annual Airline Credit-up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Black Card and we will automatically apply the credit to your account. That's it. No need to activate or designate an airline. Up to a $100 application fee credit for the cost of TSA Pre✓^® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ 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^®-available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge's assistance. 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. Plus, peace of mind 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: $495 ($195 for each Authorized User). Terms and conditions apply.
Choice Rewards World Mastercard^® Hide Benefits Show Benefits	13.50% - 18.00% Variable APR	0% intro APR for 12 billing cycles 13.50% - 18.00% Variable APR after that $0 at the Transfer APR	$0	Excellent, Good CreditApply Now View Card Details
Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash No points maximum and your points never expire Appreciate a high value card with low rates and no annual fee
Citi^® Diamond Preferred^® Card Hide Benefits Show Benefits	0% intro APR for 12 months 18.24% - 28.99% (Variable) APR after that rates & fees	0% intro APR for 21 months on qualified balance transfers 18.24% - 28.99% (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 18.24% - 28.99%, 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.
USAA Rate Advantage Credit Card Hide Benefits Show Benefits	12.15% to 29.15% Variable APR rates & fees	0% intro APR for 15 months 12.15% to 29.15% Variable APR after that	$0	Fair, Good, Excellent CreditApply Now 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 12.15% to 29.15% will apply to introductory balances. A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies. Take advantage of USAA's lowest interest rate card, whether you're making a purchase or transferring a balance. Pay less in interest if you carry a balance from month to month. Enjoy the same low variable regular APR on purchases, balance transfers, and cash advances. No annual fee. No foreign transaction fees. See Rates and Fees for details.

Wells Fargo Reflect® Card

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Rates & Fees

Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.