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Carrying a balance on your credit card from month to month can result in some significant interest charges, regardless of how high that balance may be. However, 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.
- 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, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
$0
- 5 Miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 5 Miles per dollar on purchases through Capital One Entertainment
- 1.25 Miles per dollar on every purchase, every day.
$0Rates & Fees
(Terms apply)
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year in eligible purchases, then 1%)
- 3% cash back with U.S. online retailers (on up to $6,000 per year in eligible purchases, then 1%)
- 1% back on other eligible purchases
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Best Cash Back on a 0% Intro APR Balance Transfer Credit Card
If you're looking for the best balance of 0% intro APR and cash rewards, it's hard to beat the Citi Double Cash® Card. You can enjoy a 0% intro APR on Balance Transfers for 18 months, then a variable rate of 17.49% - 27.49% - 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).
You'll earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To qualify for cash back, you have to make at least the minimum payment on your Citi credit card bill by the due date. Plus, earn 5% total cash back on hotels, car rentals, and attractions booked with Citi Travel.
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.
- 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, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. - Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, 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).
- 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, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
The Citi Double Cash is one of our favorite cash back cards thanks to its lucrative earning structure. Although marketed as cash back, you're actually earning Citi ThankYou® Points that can be transferred to Citi's 21 transfer partners. Plus, if you hold a premium Citi card like the Citi Strata Premier® Card or Citi Strata Elite℠ Card, you will be able to transfer at the highest ratios.
For anyone looking for the perfect blend between an extended intro APR on balance transfers and fantastic rewards that'll make you want to keep the card for as long as you can, the Citi Double Cash is a great choice.
Related: Citi Double Cash review
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 bonus 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 18.49% - 28.49% Variable APR will apply. Balance transfer fee applies.
- Earn 20,000 Miles once you spend $500 on purchases within 3 months from account opening
- 1.25 Miles on every purchase
- 0% intro APR on purchases for 15 months; 18.49% - 28.49% variable APR after that
- No foreign transaction fees
- $0 annual fee
- 5 Miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 5 Miles per dollar on purchases through Capital One Entertainment
- 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, vacation rentals, and rental cars booked through Capital One Travel. Those miles can be transferred to Capital One's 22 airline and hotel transfer partners, and you'll even enjoy perks like complimentary Hertz Five Star status.
Related: Capital One VentureOne 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 19.49% - 28.49%. The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater. (Rates & Fees).
Eligible new cardmembers earn as high as $200 cash back after you spend $2,000 in purchases on your new Card within the first 6 months. Welcome offers vary and you may not be eligible for an offer.
(Terms apply)
- Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
- Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year in eligible purchases, then 1%)
- 3% cash back with U.S. online retailers (on up to $6,000 per year in eligible purchases, then 1%)
- 1% back on other eligible 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, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category (up to $6,000 per year, then 1%), and 1% cash back on other eligible purchases. Cash Back is received in the form of 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 to your Blue Cash Everyday. That's up to $84 in credits each year on a $0 annual fee card!
Related: Blue Cash Everyday review
Best Rotating Bonus Categories on a 0% Intro APR Balance Transfer Credit Card
The Chase Freedom Flex® is another one of the most popular cash back credit cards on the market, and for good reason. Here's how much you can earn as a cardholder:
- Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate
- Earn 5% cash back on travel purchased through Chase Travel℠
- Earn 3% on dining at restaurants, including takeout and eligible delivery services
- Earn 3% on drugstore purchases
- Earn 1% on all other purchases
- Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate
- Earn 5% cash back on travel purchased through Chase Travel℠
- Earn 3% on dining at restaurants, including takeout and eligible delivery services
- Earn 3% on drugstore purchases
- Earn 1% on all other purchases
Plus, you can take advantage of a 0% introductory APR on balance transfers for 15 months from account opening, subject to a fee of $5 or 5% of the amount of each transfer, whichever is greater. After, a Variable APR of 18.24% - 27.74% applies.
The card comes with a ton of additional benefits, ranging from great purchase and travel protections to six months of complimentary DoorDash DashPass when you enroll by December 31, 2027.
Related: Chase Freedom Flex review
Best Sign-Up Bonus on a 0% Intro APR Balance Transfer Credit Card
As a new cardholder of the Bank of America® Customized Cash Rewards credit card, you can enjoy a 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After, a 17.49% - 27.49% 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 5%.
- 6% cash back for the first year in the category of your choice: gas and EV charging stations, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy purchase, or home improvement/furnishing purchases, then 3% after the first year of card membership*
- 2% cash back at grocery stores and wholesale clubs*
- 1% cash back on all other purchases
- * You'll earn 6% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
The Bank of America Customized Cash Card is our pick for the best sign-up bonus on a balance transfer credit card. You can earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
That's basically the same welcome bonus as several other cards on this list, so what makes the Bank of America Customized Cash Card so special? You'll earn double first-year cash back in the category of your choice:
- 6% cash back for the first year in the category of your choice: gas and EV charging stations, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy purchase, or home improvement/furnishing purchases, then 3% after the first year of card membership*
- 2% cash back at grocery stores and wholesale clubs*
- 1% cash back on all other purchases
- * You'll earn 6% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
That can amount to some serious earnings.
Related: Bank of America Customized Cash Card review
Longest 0% Intro APR Balance Transfer Card
The U.S. Bank Shield™ Visa® Card offers an outstanding 0% introductory APR for the first 21 billing cycles for balances transferred within 60 days from account opening. After that, your APR will be 16.99% - 27.99%, based on your creditworthiness when you open your account. The balance transfer fee is 5% of each transfer amount, $5 minimum will apply.
There are only a handful of credit cards that offer such a long extended intro APR window on balance transfers. And out of that already small list, the U.S. Bank Shield Visa is one of the only ones that offers any sort of rewards. You'll earn 4% cash back on travel purchases made through U.S. Bank's Travel Rewards Center. It's not much, but it does make it a bit more rewarding.
You'll also be able to earn a $20 annual statement credit after you make 11 consecutive months of purchases, and you'll receive up to $600 in cell phone protection. To incentivize you to keep your card in your wallet after the intro APR offer has expired, you can set up a 3-month $0 ExtendPay Plan each calendar year.
Related: U.S. Bank Shield Visa review
Top 0% Intro APR Credit Cards for Balance Transfers
Here's an overview of cards that offer an intro balance transfer window of at least 15 months:
| Card | 0% Period on Balance Transfers | Regular APR | Transfer Fee | Annual Fee |
|---|---|---|---|---|
| U.S. Bank Shield™ Visa® Card | for the first 21 billing cycles for balances transferred within 60 days from account opening | 16.99% - 27.99% Variable APR | Either 5% of each transfer amount, $5 minimum will apply | $0 |
| Citi Double Cash® Card (Rates & Fees) | 18 months (transfers must be completed in first 4 months) | 17.49% - 27.49% (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 |
| Chase Freedom Flex® | 15 months - (first 15 months your account is open, not 15 months from time of transfer) | 18.24% - 27.74% Variable APR | $5 or 5% of the amount of each transfer, whichever is greater. | $0 |
| Bank of America® Customized Cash Rewards credit card | for 15 billing cycles for any balance transfers made in the first 60 days | 17.49% - 27.49% Variable APR on purchases and balance transfers | 3% for 60 days from account opening, then 5% | $0 |
| Capital One VentureOne Rewards Credit Card | 15 months from account opening | 18.49% - 28.49% Variable APR | Balance transfer fee applies | $0 |
| Blue Cash Everyday® Card from American Express | 15 months (on balance transfers requested within 60 days of account opening) - Terms Apply | 19.49% - 28.49% Variable APR - Rates & Fees | either $5 or 3% of the amount of each transfer, whichever is greater. - Rates & Fees | $0 - Rates & Fees |
| Wells Fargo Reflect® Card (Rates & Fees) | 21 months from account opening on qualifying balance transfers (for transactions made within 120 days of opening account) | 17.49%, 23.99%, or 28.24% Variable APR | 5%, min: $5 | $0 |
| BankAmericard® credit card | for 21 billing cycles for any balance transfers made in the first 60 days | 14.99% - 25.99% Variable APR on purchases and balance transfers | 5% of the amount of each transaction | $0 |
| Citi® Diamond Preferred® Card | 21 months on Balance Transfers (transfers must be completed in first 4 months) | 16.49% - 27.24% (Variable) APR | Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum. | $0 |
| Chase Slate® Credit Card | 21 months | 18.24%–28.24% Variable | $5 or 5% of the amount of each transfer, whichever is greater. | $0 |
| TD FlexPay Credit Card | 0% introductory APR* on balance transfers for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening. After that, 17.49% - 27.49% variable APR based on your creditworthiness | 17.49%, 19.49%, 22.49%, 25.49% or 27.49% 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 |
| Citi Simplicity® Card | 18 months (transfers must be completed in first 4 months) | 17.49% - 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 |
| Capital One Quicksilver Cash Rewards Credit Card | 15 months - (first 15 months your account is open, not 15 months from time of transfer) | 18.49% - 28.49% 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) | 18.24% - 27.74% Variable APR | Either $5 or 5% of the amount of each transfer, whichever is greater. | $0 |
| Bank of America® Unlimited Cash Rewards credit card | for 15 billing cycles for any balance transfers made in the first 60 days | 17.49% - 27.49% Variable APR on purchases and balance transfers | 3% for 60 days from account opening, then 5% | $0 |
| Bank of America® Travel Rewards credit card | for 15 billing cycles for any balance transfers made in the first 60 days | 17.49% - 27.49% Variable APR on purchases and balance transfers | 3% for 60 days from account opening, then 5% | $0 |
| U.S. Bank Altitude® Go Visa Signature® Card | 15 billing cycles | 17.49% - 27.49% 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.
- 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, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
$0
- Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate
- Earn 5% cash back on travel purchased through Chase Travel℠
- Earn 3% on dining at restaurants, including takeout and eligible delivery services
- Earn 3% on drugstore purchases
- Earn 1% on all other purchases
$0Rates & Fees
(Terms apply)
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year in eligible purchases, then 1%)
- 3% cash back with U.S. online retailers (on up to $6,000 per year in eligible purchases, then 1%)
- 1% back on other eligible purchases
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Page Contents
- Best Cash Back on a 0% Intro APR Balance Transfer Credit Card
- Best Miles-Earning 0% Intro APR Balance Transfer Credit Card
- Best Perks on a 0% Intro APR Balance Transfer Credit Card
- Best Rotating Bonus Categories on a 0% Intro APR Balance Transfer Credit Card
- Best Sign-Up Bonus on a 0% Intro APR Balance Transfer Credit Card
- Longest 0% Intro APR Balance Transfer Card
- Top 0% Intro APR Credit Cards for Balance Transfers
- How to Choose an Intro 0% APR Credit Card
- Final Thoughts
For rates and fees of the cards mentioned in this post, please visit the following links: Citi Double Cash® Card (Rates & Fees), Blue Cash Everyday® Card from American Express (Rates & Fees), Chase Freedom Unlimited® (Rates & Fees), and Chase Sapphire Reserve® (Rates & Fees)
