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 12 billing cycles 12.99% - 22.99% Variable APR after that	0% intro APR for 12 billing cycles for any balance transfers made in the first 60 days 12.99% - 22.99% Variable APR after that	$0	Excellent / Good CreditLearn More View Card Details
0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% 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 Contactless Cards - The security of a chip card, with the convenience of a tap
Bank of America® Cash Rewards credit card Hide Benefits Show Benefits	0% intro APR for 12 billing cycles 13.99% - 23.99% Variable APR after that	0% intro APR for 12 billing cycles for any balance transfers made in the first 60 days 13.99% - 23.99% 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, 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 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% 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 Contactless Cards - The security of a chip card, with the convenience of a tap
Capital One Quicksilver Cash Rewards Credit Card Hide Benefits Show Benefits	0% intro APR for 15 months 15.49% - 25.49% (Variable) APR	15.49% - 25.49% (Variable) APR	$0	Excellent, Good CreditLearn More View Card Details
One-time $200 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 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	15.49% - 25.49% (Variable) APR	$0	Excellent, Good CreditLearn More View Card Details
Earn a one-time $200 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 No foreign transaction fee No annual fee
ABOC Platinum Rewards Credit Card Hide Benefits Show Benefits	0% intro APR for 12 months 12.90% to 22.90% Variable APR after that	12.90% to 22.90% Variable APR	$0	Excellent CreditLearn More View Card Details
0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% - 22.90% (V), 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	14.99% Variable APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 14.99% Variable APR after that	$195 ($95 for each Authorized User added to the account)	Excellent 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. 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® Black Card™ Hide Benefits Show Benefits	14.99% Variable APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 14.99% Variable APR after that	$495 ($195 for each Authorized User added to the account)	Excellent CreditLearn More 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. 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. 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 PassTM Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest. 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.
Mastercard® Gold Card™ Hide Benefits Show Benefits	14.99% Variable APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 14.99% Variable APR after that	$995 ($295 for each Authorized User added to the account)	Excellent CreditLearn More 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. 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. 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 PassTM Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest. 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.

BankAmericard® credit card

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0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
No annual fee

Bank of America® Cash Rewards credit card

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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 $200 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 $200 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; after that the variable APR will be 12.90% - 22.90% (V), 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. 1% value for cash back redemptions. Earn one point for every one dollar spent.

Mastercard® Black Card™

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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.

Mastercard® Gold Card™

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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.