Save Money with 0% APR Balance Transfer Cards to Reduce Debt

Use Balance Transfers to Reduce Credit Card Debt

If you carry credit card debt, it may cost you a lot of money on the interest. Don’t worry. Balance transfer credit cards can help you pay down the debt. You just need to open a new credit card with 0% intro APR on balance transfers, and request to transfer your current credit-card balance to the new card. After that, you can just make the minimum payment each billing cycle to avoid finance charges and pay off all the remaining balance at the end of your 0% introductory period. In this way, a balance transfer credit card helps you save money by reducing the cost of high interest.

How much can you save with a balance transfer card? For example, if you have a credit card balance of $10,000 with 18% APR, and to pay it off in 18 months, you would need to pay $640 each month for 18 straight months. You will end up with paying interest of approximately $1,480. With a 0% APR balance transfer credit card, you will have the option of keep most of the $640 monthly payment in your bank account and pay off the balance 18 months later without paying any interest. Most credit cards charge a one-time service fee for doing a balance transfer. For example, for each qualifying balance transfer, BankAmericard Credit Card charges 3% of the transferred balance. For $10,000 to be transferred, the transaction will cost about $300 in fees. With about $1,480 in potential interest cost that you saved, you will save approximately $1,180 by using a 0% balance transfer card.

Balance Transfer Credit Cards

Choose from one of the following credit cards that offer 0% on balance transfers for at least 12 months. All these credit cards are for people who have good or excellent credit rating. If you have a credit score of 700 or above, you may qualify for these offers.


Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
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 CreditLearn More 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
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 CreditLearn More 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
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 CreditLearn More 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 CreditLearn More 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
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 CreditLearn More 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
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 CreditLearn More 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 CreditLearn More 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 CreditLearn More 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.

BankAmericard® credit card

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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

Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

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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

Capital One® Quicksilver® Cash Rewards Credit Card

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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

Capital One® SavorOne® Cash Rewards Credit Card

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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

ABOC Platinum Rewards Credit Card

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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

Mastercard® Titanium Card

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Patented brushed stainless steel front and carbon back-weighing 22 grams.
2% value for airfare redemptions with no blackout dates or seat restrictions.

Mastercard® Black Card

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Patented black PVD metal card-weighing 22 grams.
2% value for airfare redemptions with no blackout dates or seat restrictions.

Mastercard® Gold Card

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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.