Best 0% APR Intro Balance Transfer Offers With No Annual Fee in 2023 Best 0% APR Intro Balance Transfer Offers With No Annual Fee in 2023

Best 0% APR Intro Balance Transfer Offers With No Annual Fee in 2023

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Offers for Bank of America cards mentioned in this post have been updated as of 01/03/2023

High credit card interest doesn't have to put a strain on your finances. Utilizing an introductory 0% APR balance transfer offer can help you pay down your credit cards faster. Instead of paying high interest, you can use those funds to pay down debts even faster. This can save you thousands of dollars in interest and reduce the cost of carrying high-interest debt.

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, we've assembled the best balance transfer offers below.

Our Pick: Best All-Around 0% Intro APR Balance Transfer Card

Citi® Double Cash Card
Citi® Double Cash Card
Annual Fee$0
Welcome Offer Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Plus, get a 0% intro APR on balance transfers for 18 months. (After that, the (Variable) APR will be 18.24% - 28.24% based on your creditworthiness.)
The Citi Double Cash is a dynamic, no-annual-fee cash-back rewards card that allows you to earn 2% traditional cash back, or convert your rewards to ThankYou Rewards points at a 1:1 ratio (2x ThankYou points per $1). When paired with a premium ThankYou Rewards earning card, the Citi Double Cash is now the best card available for everyday, non-bonus purchases.

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 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • 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
  • Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
  • No annual fee
This card makes earning rewards simple with no need to worry about keeping track of bonus categories for purchases with specific types of merchants. You'll earn 2% cash back on every purchase—1% when you buy and 1% when you pay. Citi cash rewards now also convert to ThankYou points at 1:1 ($10 = 100 ThankYou points).

The Citi Double Cash is our pick for the best cash-back balance transfer card. While it doesn't feature the longest intro APR period of the cards in this post, it has a huge advantage over many other cards in the list. The Citi Double Cash earns 2% cash back on every purchase, making it one of the best everyday cashback cards on the market.

If you also hold the Citi Premier® Card or Citi Prestige® Card, you can combine the rewards earned on your Citi Double Cash with those from your premium cards. That unlocks the ability to transfer points to Citi's airline and hotel transfer partners.

While there are plenty of great intro 0% cards to choose from, we think the Citi Double Cash provides outstanding all-around value for a balance transfer card.

In addition to being a top 0% intro APR balance transfer credit card, the Double Cash is also a great cashback card.

Best 0% Intro APR Balance Transfer Credit Cards to Earn a Signup Bonus

Citi Custom Cash℠ Card
Citi Custom Cash℠ Card
Annual Fee$0
Welcome Bonus 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.
  • Sign-up bonus of $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening, issued as 20,000 ThankYou® Points
  • 5% cash back in your top eligible spend category on up to $500 of purchses each billing cycle
  • No rotating bonus categories to sign up for--the top earning category adjusts automatically each month to the eligible category in which you spend the most.
  • Excellent intro APR offer on purchases and balance transfers
  • No annual fee
  • 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, plus, you'll 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.
  • Eligible spending categories are: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment.

In addition to offering a 0% APR on balance transfers and purchases for 15 months (followed by a 18.24% - 28.24% Variable APR), the Citi Custom Cash gives new cardmembers a chance to earn a $200 cash back bonus when signing up for the card and features strong earning rates across a wide range of spending categories. Plus, Citi Custom Cash cardholders earn 5% cashback in the one eligible category they spend the most each month.

U.S. Bank Altitude® Go Visa Signature® Card
U.S. Bank Altitude® Go Visa Signature® Card
Annual Fee$0
Welcome Bonus 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.
It’s rare to find a card offering both a traditional signup bonus and a 0% introductory APR to new cardmembers. With the Altitude Go, you can earn a bonus worth $200 and take advantage of a 0% Intro APR on purchases for 12 billing cycles (after that, a Variable rate of 19.24% - 28.24% will apply).
  • 4X points on takeout, food delivery and dining
  • 2X points at grocery stores, grocery delivery, gas stations and on streaming services
  • 1 point on all other eligible purchases

The U.S. Bank Altitude® Go Visa Signature® Card is one of just a handful of rewards cards providing the perfect trifecta of a strong welcome bonus, an excellent return on spending, and a 0% Intro APR on balance transfers for 12 billing cycles (then 19.24% - 28.24% variable APR). New card members can take home an intro offer of 20,000 points after meeting the minimum spend, one of the best offers available in this category.

Best 0% Intro APR Balance Transfer Credit Card for Long Intro APR Period

BankAmericard® credit card
BankAmericard® credit card
Annual Fee$0
Welcome Bonus New longer intro period! 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, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.

The BankAmericard card offers an outstanding 0% intro APR for 21 billing cycles for any balance transfers made in the first 60 days. That gives you almost two years to pay down the balance on your account before the intro APR period ends (then a 16.24% - 26.24% variable APR).

Top 0% Intro APR Credit Cards for Balance Transfers

CardBest For0% Period on Balance TransfersRegular APRTransfer FeeAnnual Fee
BankAmericard® credit cardTop Pick: Long intro period on purchases and balance transfersfor 21 billing cycles for any balance transfers made in the first 60 days16.24% - 26.24% Variable APR on purchases and balance transfersEither $10 or 3% of the amount of each transaction, whichever is greater.$0
U.S. Bank Visa® Platinum CardLong intro period18 billing cycles on balance transfers (for transactions made within 60 days of opening account)18.74% - 28.74% Variable APREither 3% of the amount of each transfer or $5 minimum, whichever is greater.$0
U.S. Bank Business Platinum CardLong intro period on purchases and balance transfers18 Billing Cycles (for transactions made within 30 days of opening account)14.99% - 23.99% Variable APREither 3% of the amount of each transfer or $5 minimum, whichever is greater$0
Citi Simplicity® CardLongest intro period + no late fees21 months (transfers must be completed in first 4 months)18.24% - 28.99% Variable APRIntro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min)$0
Citi® Double Cash CardTop Pick: Long intro period + cash back rewards18 months (transfers must be completed in first 4 months)18.24% - 28.24% (Variable) APRIntro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).$0
Bank of America® Customized Cash Rewards credit cardTop Pick: Long intro period + top cash bonus offer + cash back rewardsfor 18 billing cycles for any balance transfers made in the first 60 days18.24% - 28.24% Variable APR on purchases and balance transfersEither $10 or 3% of the amount of each transaction, whichever is greater.$0
Citi® Diamond Preferred® CardLong intro period21 months (transfers must be completed in first 4 months)17.24% - 27.99% Variable APR5% of each balance transfer; $5 minimum$0
Citi Custom Cash℠ CardTop earning rates across a wide range of bonus categories15 months18.24% - 28.24% Variable APRBalance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.$0
Bank of America® Unlimited Cash Rewards credit cardValuable signup offer + great everyday cashback ratefor 18 billing cycles for any balance transfers made in the first 60 days18.24% - 28.24% Variable APR on purchases and balance transfersEither $10 or 3% of the amount of each transaction, whichever is greater.$0
Capital One Quicksilver Cash Rewards Credit CardGood earning rate on everyday purchases15 months19.24% - 29.24% (Variable) APR3%$0
Citi Rewards+® CardExcellent welcome offer + long intro period + solid return on spending15 months (transfers must be completed in first 4 months)17.74% - 27.74% (Variable) APRIntro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).$0
U.S. Bank Altitude® Go Visa Signature® CardNo annual fee + intro & balance transfer APRs + high return on dining12 billing cycles19.24% - 28.24% Variable APREither 3% of the amount of each transfer or $5 minimum, whichever is greater$0

How to Chose an Intro 0% APR Credit Card

The best Intro 0% APR card is always going to be subjective, dependent on your financial situation and how fast you can pay down the debt. Cards featuring the longest 0% intro period are not inherently better than cards offering a shorter timeframe before the introductory APR ends. 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

The most significant determining factor has nothing to do with APR rates, and boils down to the simple fact 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® 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 intro APR rate goodbye.

Balance transfer fee

One of the factors we give plenty of weight to when evaluating Intro APR cards is the balance transfer fee. Let’s say you're choosing between three 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 making up for 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.

Regular APR rate

If you don’t think you can pay the entire balance down before the introductory APR rate ends, the regular APR rate 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 with rising interest rates.

Annual fee

If you’re focused on paying down your credit card balance, it doesn’t make sense to pay a yearly fee on the balance transfer card. Every card we have listed features no annual fee.

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 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.

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