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 17.49% - 29.49% variable APR after that rates & fees	0% intro APR for up to 21 months from account opening on qualifying balance transfers 17.49% - 29.49% 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 for 3 months with on-time minimum payments during the intro period. 17.49% to 29.49% 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 against damage or theft 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 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. Select "Apply Now" to learn more about the product features, terms and conditions
BankAmericard® credit card Hide Benefits Show Benefits	0% intro APR for 21 billing cycles 15.49% - 25.49% Variable APR after that	0% intro APR for 21 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
0% Introductory APR for 21 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 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.
Bank of America® Travel Rewards credit card Hide Benefits Show Benefits	0% intro APR for 18 billing cycles 17.49% - 27.49% Variable APR after that	0% intro APR for 18 billing cycles for any balance transfers made in the first 60 days 17.49% - 27.49% 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. 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 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% - 27.49% Variable APR will apply. A 3% fee applies to all balance transfers. If you're a 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 18 billing cycles 17.49% - 27.49% Variable APR after that	0% intro APR for 18 billing cycles for any balance transfers made in the first 60 days 17.49% - 27.49% 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 3.75%-5.25% cash back on purchases in your choice category. No annual fee and no expiration on rewards. 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, 17.49% - 27.49% 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 18 billing cycles 17.49% - 27.49% Variable APR after that	0% intro APR for 18 billing cycles for any balance transfers made in the first 60 days 17.49% - 27.49% 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 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. 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, 17.49% - 27.49% 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.
U.S. Bank Visa® Platinum Card Hide Benefits Show Benefits	0% intro APR for 18 billing cycles 18.99% - 28.99% (Variable) APR after that rates & fees	0% intro APR for 18 billing cycles 18.99% - 28.99% (Variable) APR after that	$0	Good / Excellent CreditApply Now View Card Details
0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.99% - 28.99%. 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 Terms and conditions apply.
Citi® Double Cash Card - 18 month BT offer Hide Benefits Show Benefits	18.49% - 28.49% (Variable) APR	0% intro APR for 18 months 18.49% - 28.49% (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 18.49% - 28.49%, 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).
U.S. Bank Cash+® Visa Signature® Card Hide Benefits Show Benefits	0% intro APR for 15 billing cycles 18.99% - 28.99% (Variable) APR after that rates & fees	0% intro APR for 15 billing cycles 18.99% - 28.99% (Variable) APR after that	$0	Excellent / Good CreditApply Now View Card Details
$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 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 18.99 - 28.99% No Annual Fee Terms and conditions apply.
Wells Fargo Active Cash® Card Hide Benefits Show Benefits	0% intro APR for 15 months from account opening 19.49%, 24.49%, or 29.49% variable APR after that rates & fees	0% intro APR for 15 months from account opening on qualifying balance transfers 19.49%, 24.49%, or 29.49% 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 19.49%, 24.49%, or 29.49% 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 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible). Select "Apply Now" to learn more about the product features, terms and conditions
Citi Custom Cash℠ Card Hide Benefits Show Benefits	0% intro APR for 15 months 18.49% - 28.49% (Variable) APR after that	0% intro APR for 15 months 18.49% - 28.49% (Variable) APR after that	$0	Excellent, Good 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 18.49% - 28.49%, 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 17.99% - 27.99% (Variable) APR after that	0% intro APR for 15 months 17.99% - 27.99% (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 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 17.99% - 27.99%, 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
Capital One Quicksilver Cash Rewards Credit Card Hide Benefits Show Benefits	0% intro APR for 15 months 19.24% - 29.24% (Variable) APR	0% intro APR for 15 months 19.24% - 29.24% (Variable) APR	$0	Excellent, Good CreditLearn More View Card Details
You will earn a $200 bonus cash after spending $500 on purchases within the first 3 months of account opening You will earn unlimited 1.5% cash rewards on all purchases Pay no annual fee and no foreign transaction fees You can enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024 You will earn unlimited 5% cash rewards on hotels and rental cars purchased through Capital One Travel, where you'll get the best prices on trip options. Terms Apply No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire and there's no cap on how much you can earn 0% intro APR on purchases and balance transfers for 15 months; 19.24%-29.24% variable APR afterwards; 3% fee on the amounts transferred within the first 15 months
Mastercard® Titanium Card™ Hide Benefits Show Benefits	19.49% Variable APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 19.49% Variable APR after that	$195 ($95 for each Authorized User added to the account)	Very Good To Excellent 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	19.49% Variable APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 19.49% Variable APR after that	$995 ($295 for each Authorized User added to the account)	Very Good To Excellent 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	19.49% Variable APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 19.49% Variable APR after that	$495 ($195 for each Authorized User added to the account)	Very Good To Excellent 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	0% intro APR for 12 billing cycles 19.49% - 28.49% (Variable) APR after that rates & fees	0% intro APR for 12 billing cycles 19.49% - 28.49% (Variable) APR after that	$0	Excellent CreditApply Now 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 19.49% - 28.49%. No Annual Fee Points never expire Terms and conditions apply.
Choice Rewards World Mastercard® Hide Benefits Show Benefits	12.75% - 18.00% Variable APR	0% intro APR for 12 billing cycles 12.75% - 18.00% Variable APR after that No balance transfer fee	$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

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 for 3 months with on-time minimum payments during the intro period. 17.49% to 29.49% 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