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A high credit card balance can carry significant interest charges. But there’s a way to manage these balances and limit the impact on your finances.
Taking advantage of an introductory 0% APR balance transfer offer can help you pay down your credit cards more efficiently. Instead of wasting money on interest, you can put those funds toward reducing your debt faster. This can save you thousands of dollars and lower the overall cost of carrying high-interest debt. The money you once spent on interest can now go directly toward paying off your principal balance.
Before you opt for a balance transfer offer, check out this strategy to get an introductory 0% APR to avoid the fees and restrictions of using a balance transfer. If that isn't a good fit for your situation, we've assembled the best balance transfer offers below.
Page Contents
- Our Pick: Best All-Around 0% Intro APR Balance Transfer Card
- Best Sign-Up Bonus on a 0% Intro APR Balance Transfer Credit Card
- Best Miles-Earning 0% Intro APR Balance Transfer Credit Card
- Best Cashback Earnings on a 0% Intro APR Balance Transfer Credit Card
- Best Perks on a 0% Intro APR Balance Transfer Credit Card
- Best Long Intro APR Period on a 0% Intro APR Balance Transfer Credit Card
- Top 0% Intro APR Credit Cards for Balance Transfers
- How to Choose an Intro 0% APR Credit Card
- Final Thoughts
Our Pick: Best All-Around 0% Intro APR Balance Transfer Card
The best card for a 0% intro APR on balance transfers right now is the Wells Fargo Reflect® Card (Rates & Fees). Eligible new cardholders get a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- Apply Now to take advantage of this 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. 17.24%, 23.74%, or 28.99% 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.
Not only does this card offer a long 0% intro APR period, but you also have a long window to complete the balance transfer. Plus, the card includes complimentary Cellular Telephone Protection, covering up to $600 against cell phone damage or theft, subject to a $25 deductible. Read more about this card in our Wells Fargo Reflect review.
Best Sign-Up Bonus on a 0% Intro APR Balance Transfer Credit Card
The Bank of America® Travel Rewards credit card is our choice for the best 0% intro APR balance transfer cards with a sign-up bonus. You can earn 25,000 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.
Plus, get a 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After, a 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. Balance transfers are subject to a fee of 3% for 60 days from account opening, then 4%.
- 1.5 points for every $1 you spend on all purchases
Best Miles-Earning 0% Intro APR Balance Transfer Credit Card
Want to earn miles while you save on interest? The Capital One VentureOne Rewards Credit Card might be the card for you. New cardholders earn 20,000 miles once you spend $500 on purchases within 3 months from account opening. Plus, get 0% intro APR on balance transfers for 15 months. After the introductory period, a 19.24% - 29.24% Variable APR will apply. Balance transfer fee applies.
- Earn 20,000 Miles once you spend $500 on purchases within 3 months from account opening; worth $200 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
- 1.25 Miles on every purchase
- 0% intro APR on purchases for 15 months; 19.24% - 29.24% variable APR after that
- No foreign transaction fees
- $0 annual fee
- 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
- 5 Miles per dollar on purchases through Capital One Entertainment (through 12/31/2025)
- 1.25 Miles per dollar on every purchase, every day.
Beyond the generous welcome offer, you'll earn 1.25X miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel. Learn more about this card's rewards, perks, and travel/purchase protections in our full Capital One VentureOne review.
Best Cashback Earnings on a 0% Intro APR Balance Transfer Credit Card
If you're looking for solid cashback earnings in addition to a 0% balance transfer fee, the Wells Fargo Active Cash® Card (Rates & Fees) is our recommendation. New applicants can score a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
In addition to the welcome bonus, cardholders can also take advantage of a 0% introductory APR for 12 months from account opening on qualifying balance transfers. Plus, you'll get a reduced intro balance transfer fee of 3% for 120 days from account opening, then up to 5%, min: $5. After the introductory period, a Variable APR of 19.24%, 24.24%, or 29.24% applies.
- Apply Now to take advantage of this 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 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% 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.
- Earn unlimited 2% cash rewards on purchases
But the aspect that really sets the Active Cash Card apart is its earning rates. It's a rewarding card to use! Earn unlimited 2% cash rewards on purchases. Read more about the card in our Wells Fargo Active Cash® Card review.
Best Perks on a 0% Intro APR Balance Transfer Credit Card
No roundup of the best 0% intro APR balance transfer cards would be complete without the Blue Cash Everyday® Card from American Express. This $0 annual fee card offers an intro 0% on balance transfers for 15 months. After that your APR will be a Variable rate, currently 20.24% - 29.24%. The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater. (Rates & Fees).
Eligible new cardmembers earn $200 back in statement credits after you spend $2,000 in purchases on your new Card within the first 6 months.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% 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%.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- 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.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Rates & Fees
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year, then 1%)
- 3% cash back with U.S. online retailers (on up to $6,000 per year, then 1%)
- 1% back on other purchases
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Beyond the new member offer, you'll earn 3% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 3% cash back on up to $6,000 of U.S. online retail purchases per year (then 1%), 3% cash back at U.S. gas stations on up to $6,000 of purchases per year (then 1%), and 1% cash back on other purchases (issued as Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout).
But arguably the best perk on this card is getting $7/month back in the form of a statement credit when you charge an eligible Disney Bundle subscription costing $9.99 or more to your Blue Cash Everyday. That's up to $84 in credits each year on a $0 annual fee card!
Best Long Intro APR Period on a 0% Intro APR Balance Transfer Credit Card
The U.S. Bank Shield™ Visa® Card offers an outstanding 0% introductory APR for the first 24 billing cycles for balances transferred within 60 days from account opening. After that, your APR will be 17.74% to 28.74%, based on your creditworthiness when you open your account. The balance transfer fee is 5% of each transfer amount, $5 minimum will apply. This is the longest intro APR period currently on the market.
Unfortunately, this card doesn't earn rewards, except for 4% cash back on travel purchases made through U.S. Bank's Travel Rewards Center.
Top 0% Intro APR Credit Cards for Balance Transfers
| Card | 0% Period on Balance Transfers | Regular APR | Transfer Fee | Annual Fee |
|---|---|---|---|---|
| Blue Cash Everyday® Card from American Express | 15 months (on balance transfers requested within 60 days of account opening) - Terms Apply | 20.24% - 29.24% Variable APR - Rates & Fees | either $5 or 3% of the amount of each transfer, whichever is greater. - Rates & Fees | $0 - Rates & Fees |
| Bank of America® Travel Rewards credit card | for 15 billing cycles for any balance transfers made in the first 60 days | 18.24% - 28.24% Variable APR on purchases and balance transfers | 3% for 60 days from account opening, then 4% | $0 |
| Wells Fargo Active Cash® Card (Rates & Fees) | 12 months from account opening on qualifying balance transfers (for transactions made within 120 days of opening account) | 19.24%, 24.24%, or 29.24% Variable APR | 3% for 120 days from account opening, then up to 5%, min: $5 | $0 |
| Wells Fargo Reflect® Card (Rates & Fees) | 21 months from account opening (for transactions made within 120 days of opening account) | 17.24%, 23.74%, or 28.99% Variable APR | 5%, min: $5 | $0 |
| Capital One Quicksilver Cash Rewards Credit Card | 15 months - (first 15 months your account is open, not 15 months from time of transfer) | 19.24% - 29.24% Variable APR | Balance transfer fee applies | $0 |
| TD FlexPay Credit Card | 0% introductory APR on balance transfers for first 18 billing cycles after account opening. After that 18.24% - 28.24% variable APR based on your creditworthiness. | 18.24%, 20.24%, 23.24%, 26.24% or 28.24% variable APR based on your creditworthiness. | Either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the introductory offer. After that, either $5 or 5% of the amount of each transfer, whichever is greater. | $0 |
| Capital One VentureOne Rewards Credit Card | 15 months from account opening | 19.24% - 29.24% Variable APR | Balance transfer fee applies | $0 |
| Bank of America® Customized Cash Rewards credit card | for 15 billing cycles for any balance transfers made in the first 60 days | 18.24% - 28.24% Variable APR on purchases and balance transfers | 3% for 60 days from account opening, then 4% | $0 |
| Bank of America® Unlimited Cash Rewards credit card | for 15 billing cycles for any balance transfers made in the first 60 days | 18.24% - 28.24% Variable APR on purchases and balance transfers | 3% for 60 days from account opening, then 4% | $0 |
| Capital One Savor Cash Rewards Credit Card | 15 months - (first 15 months your account is open, not 15 months from time of transfer) | 19.24% - 29.24% Variable APR | Balance transfer fee applies | $0 |
| Chase Freedom Unlimited® (Rates & Fees) | 15 months - (first 15 months your account is open, not 15 months from time of transfer) | 18.99% - 28.49% Variable APR | Either $5 or 3% of the amount of each transfer made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer. Whichever value is greater will apply in both cases. | $0 |
| Citi Double Cash® Card | 18 months (transfers must be completed in first 4 months) | 18.24% - 28.24% (Variable) APR | 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) | $0 |
| U.S. Bank Shield™ Visa® Card | for the first 24 billing cycles for balances transferred within 60 days from account opening | 17.74% to 28.74% Variable APR | Either 5% of each transfer amount, $5 minimum will apply | $0 |
| Citi Simplicity® Card | 21 months (transfers must be completed in first 4 months) | 18.24% - 28.99% Variable APR | 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) | $0 |
| BankAmericard® credit card | for 18 billing cycles for any balance transfers made in the first 60 days | 16.24% - 26.24% Variable | 3% of the amount of each transaction | $0 |
| Citi® Diamond Preferred® Card | 21 months on Balance Transfers (transfers must be completed in first 4 months) | 17.24% - 27.99% (Variable) APR | Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum. | $0 |
| Citi Custom Cash® Card | 15 months (transfers must be completed in first 4 months) | 18.24% - 28.24% Variable APR | Balance transfer fee applies with this offer: 5% of each balance transfer; $5 minimum. | $0 |
| U.S. Bank Altitude® Go Visa Signature® Card | 15 billing cycles | 18.24% - 28.24% Variable APR | Either 5% of the amount of each transfer or $5 minimum, whichever is greater | $0 |
How to Choose an Intro 0% APR Credit Card
Everyone's financial situation is different, so the best 0% APR card is subjective. Cards featuring the longest 0% intro period are not inherently better than cards offering a shorter timeframe before the introductory APR ends, though generally, longer intro periods come with fewer rewards on everyday spending.
Each card on the list above provides a different combination of features, and you’ll want to factor all the elements into the equation before you apply for a card.
Some of the deciding factors to consider include:
Your current card issuer
This one may surprise you. You can’t transfer a balance between two cards from the same card issuer. For example, Chase won’t allow you to transfer the balance from your Chase Sapphire Reserve® (Rates & Fees) to a newly opened Chase card that offers an intro balance transfer offer.
You’ll need to look at Amex, Citi, or any card issuer other than Chase for a balance transfer card.
Length of intro 0% APR period
You need to work out exactly how much you can afford to pay each month and work backward to determine how much time is required to pay your balance down. Give yourself some breathing room on this one. After all, if you miss a payment and your account is no longer in good standing, you can kiss your introductory APR goodbye.
Note that at the end of an intro APR period, the card's regular APR will begin to accrue interest on any remaining balance.
Balance transfer fee
A balance transfer fee is one of the most important aspects to consider. Let’s say you're choosing between two intro APR cards and you’re transferring a balance of $10,000. Say you're considering one card that charges a 3% transfer fee and one that charges a 5% transfer fee.
The card charging a 3% transfer fee will give you a $200 head start on the cards charging a 5% transfer fee. That money could go to paying down a substantial portion of the initial card balance.
Does it earn rewards?
If you want to hang onto the card long-term, a card that provides a decent return on spending is going to rank much higher than one that doesn't.
Welcome bonus
A welcome bonus can go a long way towards offsetting the balance transfer fee, sometimes leaving you with extra cash in your pocket when all is said and done. If a card features a welcome offer, it should weigh heavily in the card's favor when making your decision.
Do note that a balance transfer generally doesn't count toward earning a welcome bonus, though. To earn it, you'll likely need to make new purchases on your card. Consider how that interacts with your existing credit card debt.
Related: A Beginner's Guide to Building Healthy Credit
Regular APR
If you don’t think you can pay the entire balance down before the introductory APR period ends, the regular APR on the card will have a significant impact on the card you pick. You might be able to roll the transfer to a new card charging 0% intro APR on balance transfers. However, you shouldn't count on this being an option, especially in a rising interest rate environment.
Annual fee
If you’re focused on paying down your credit card balance, it doesn’t make sense to pay an annual fee on the balance transfer card. All the cards we mention on our list feature no annual fee.
Eligibility for that card
It also bears mentioning that you might be ineligible for some of these cards. If you have the maximum number of cards from a particular bank or have opened too many credit cards recently, you might not be eligible for your first choice on this list. The rules can be complicated at times.
Related: Understanding Rewards Credit Card Application Rules and Restrictions
Final Thoughts
When choosing a balance transfer card, look for one that provides a long intro APR period, charges no annual fee, and preferably doesn’t charge a high balance transfer fee (or provides a welcome offer to balance out the fee). Selecting the right card could save you thousands of dollars in fees and interest over the introductory term. That can provide a low-cost method of servicing existing credit card debt.
If you're looking to pay down debt or finance a larger purchase, this card also comes with one of the best available introductory APR offers on balance transfers.
- 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.
- 2% cash back on every purchase - 1% when you buy + 1% when you pay
- 0% intro APR on balance transfers for 18 months. After that, the (Variable) APR will be 18.24% - 28.24% 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)
- No annual fee
- Earn 2% cash back on every purchase—1% when you buy and 1% when you pay. Plus, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. Citi cash rewards now also convert to ThankYou points at 1:1 ($10 = 100 ThankYou points).
For rates and fees of the cards mentioned in this post, please visit the following links: Blue Cash Everyday® Card from American Express (Rates & Fees), Chase Freedom Unlimited® (Rates & Fees), and Chase Sapphire Reserve® (Rates & Fees)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Is there a comparable article for 2024??
Hi Joyce, we’re in the process of checking for any new cards to add to this list, but everything on here is still accurate (meaning it’s passed the fact check as we work on updating the article).