{"id":32042,"date":"2025-06-22T17:10:01","date_gmt":"2025-06-22T17:10:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=32042"},"modified":"2026-04-08T14:17:54","modified_gmt":"2026-04-08T14:17:54","slug":"best-balance-transfer-cards","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/best-balance-transfer-cards\/","title":{"rendered":"Best 0% APR Intro Balance Transfer Offers With No Annual Fee in 2026"},"content":{"rendered":"<p>A high credit card balance can carry significant interest charges. But there\u2019s a way to manage these balances and limit the impact on your finances.<\/p>\n<p>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.<\/p>\n<p>Before you opt for a balance transfer offer, check out <a target=\"_blank\" href=\"\/credit-cards\/0-apr-without-a-balance-transfer-fee\/\" rel=\"noopener\">this strategy to get an introductory 0% APR<\/a> 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.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Our_Pick_Best_All-Around_0_Intro_APR_Balance_Transfer_Card\">Our Pick: Best All-Around 0% Intro APR Balance Transfer Card<\/a><\/li><li><a href=\"#Best_Sign-Up_Bonus_on_a_0_Intro_APR_Balance_Transfer_Credit_Card\">Best Sign-Up Bonus on a 0% Intro APR Balance Transfer Credit Card<\/a><\/li><li><a href=\"#Best_Miles-Earning_0_Intro_APR_Balance_Transfer_Credit_Card\">Best Miles-Earning 0% Intro APR Balance Transfer Credit Card<\/a><\/li><li><a href=\"#Best_Cashback_Earnings_on_a_0_Intro_APR_Balance_Transfer_Credit_Card\">Best Cashback Earnings on a 0% Intro APR Balance Transfer Credit Card<\/a><\/li><li><a href=\"#Best_Perks_on_a_0_Intro_APR_Balance_Transfer_Credit_Card\">Best Perks on a 0% Intro APR Balance Transfer Credit Card<\/a><\/li><li><a href=\"#Best_Long_Intro_APR_Period_on_a_0_Intro_APR_Balance_Transfer_Credit_Card\">Best Long Intro APR Period on a 0% Intro APR Balance Transfer Credit Card<\/a><\/li><li><a href=\"#Top_0_Intro_APR_Credit_Cards_for_Balance_Transfers\">Top 0% Intro APR Credit Cards for Balance Transfers<\/a><\/li><li><a href=\"#How_to_Choose_an_Intro_0_APR_Credit_Card\">How to Choose an Intro 0% APR Credit Card<\/a><ul><li><a href=\"#Your_current_card_issuer\">Your current card issuer<\/a><\/li><li><a href=\"#Length_of_intro_0_APR_period\">Length of intro 0% APR period<\/a><\/li><li><a href=\"#Balance_transfer_fee\">Balance transfer fee<\/a><\/li><li><a href=\"#Does_it_earn_rewards\">Does it earn rewards?<\/a><\/li><li><a href=\"#Welcome_bonus\">Welcome bonus<\/a><\/li><li><a href=\"#Regular_APR\">Regular APR<\/a><\/li><li><a href=\"#Annual_fee\">Annual fee<\/a><\/li><li><a href=\"#Eligibility_for_that_card\">Eligibility for that card<\/a><\/li><\/ul><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Our_Pick_Best_All-Around_0_Intro_APR_Balance_Transfer_Card\">Our Pick: Best All-Around 0% Intro APR Balance Transfer Card<\/span><\/h2>\n<p>The best card for a 0% intro APR on balance transfers right now is the <a data-ccid=\"4048269\" href=\"\/blog\/link\/CR-WellsFargoReflectCard\" rel=\"noopener nofollow sponsored\">Wells Fargo Reflect<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"4048269\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/reflect-visa\/terms\/?product_code=CC&subproduct_code=VV&FPID=013000IGF80000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). Eligible new cardholders get a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.<\/p>\n<div class=\"qs-card\" data-id=\"4048269\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Wells Fargo Reflect<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/merchant.linksynergy.com\/fs\/banners\/40602\/40602_39.jpg\" width=\"150\" alt=\"Wells Fargo Reflect\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Wells Fargo Reflect\u00ae Card' data-ccid=\"4048269\" href=\"\/blog\/link\/CR-WellsFargoReflectCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048269\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/reflect-visa\/terms\/?product_code=CC&subproduct_code=VV&FPID=013000IGF80000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer:<\/strong> 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Wells Fargo Reflect<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer:<\/strong> 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><div class=\"qs-tab-wwl\">The Wells Fargo Reflect<sup>\u00ae<\/sup> Card offers cardholders a lengthy introductory APR offer and practical protection benefits. It features one of the longest intro APR periods on the market, offering 0% intro APR for for 21 months from account opening on purchases and qualifying balance transfers. The card also includes Cellular Telephone Protection, covering up to $600 against cell phone damage or theft, subject to a $25 deductible. <\/div><div class=\"qs-tab-hl\"><ul><li>Apply Now to take advantage of this offer and learn more about product features, terms and conditions.<\/li><li>0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.<\/li><li>$0 annual fee.<\/li><li>Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.<\/li><li>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. <\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/WellsReflect\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-307b22a62b#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<p>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 <a target=\"_blank\" href=\"\/credit-cards\/wells-fargo-reflect-card\/\" rel=\"noopener\">our Wells Fargo Reflect review<\/a>.<\/p>\n<h2><span id=\"Best_Sign-Up_Bonus_on_a_0_Intro_APR_Balance_Transfer_Credit_Card\">Best Sign-Up Bonus on a 0% Intro APR Balance Transfer Credit Card<\/span><\/h2>\n<p>The <a data-ccid=\"3002003\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/travel-rewards-card\/\">Bank of America<sup>\u00ae<\/sup> Travel Rewards credit card<\/a> 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.<\/p>\n<p>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%.<\/p>\n<div class=\"qs-card\" data-id=\"3002003\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Travel Rewards credit card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/CardArt-BankOfAmericaTravelRewardsCreditCard.png\" width=\"150\" alt=\"Bank of America\u00ae Travel Rewards credit card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\n25,000 online 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.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Travel Rewards credit card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\n25,000 online 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.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Bank of America<sup>\u00ae<\/sup> Travel Rewards credit card stands out with its $0 annual fee and no foreign transaction fees, making it an economical choice for travelers. It offers a simple rewards structure, earning 1.5 points per dollar on every purchase. Purchases made in the Bank of America Travel Center earn 3 points per dollar. Points can be redeemed for travel or dining purchases, or for a statement credit up to 12 months after the purchase is made.<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>1.5 points for every $1 you spend on all purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BOATravel\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-307b22a62b#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<h2><span id=\"Best_Miles-Earning_0_Intro_APR_Balance_Transfer_Credit_Card\">Best Miles-Earning 0% Intro APR Balance Transfer Credit Card<\/span><\/h2>\n<p>Want to earn miles while you save on interest? The <a data-ccid=\"3006150\" href=\"\/blog\/link\/CR-CapitalOneVentureOneRewardsCard\" target=_blank rel=\"noopener nofollow sponsored\">Capital One VentureOne Rewards Credit Card<\/a> 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.<\/p>\n<div class=\"qs-card\" data-id=\"3006150\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One VentureOne Rewards Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/650d711d-182b-4180-8b1d-4c31796da3cd.png\" width=\"150\" alt=\"Capital One VentureOne Rewards Credit Card\" class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a data-ccid=\"3006150\" class=\"btn-use qs-how-apply\" title='Capital One VentureOne Rewards Credit Card' href=\"\/blog\/link\/CR-CapitalOneVentureOneRewardsCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\n20,000 Miles once you spend $500 on purchases within 3 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One VentureOne Rewards Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\n20,000 Miles once you spend $500 on purchases within 3 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The only no-annual-fee personal card to earn transferable Capital One miles, the Capital One VentureOne earns a solid 1.25X miles per dollar on every purchase.<\/div><div class=\"qs-tab-hl\"><ul><li>20,000 Miles once you spend $500 on purchases within 3 months from account opening<\/li>\r\n \t<li>1.25 Miles on every purchase<\/li>\r\n\t<li>0% intro APR on purchases for 15 months; 18.49% - 28.49% variable APR after that<\/li>\r\n \t<li>No foreign transaction fees<\/li>\r\n \t<li>$0 annual fee<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>5 Miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel<\/li>\r\n<li>5 Miles per dollar on purchases through Capital One Entertainment<\/li>\r\n<li>1.25 Miles per dollar on every purchase, every day.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/VentureOne\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-307b22a62b#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<p>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. Learn more about this card's rewards, perks, and travel\/purchase protections in our <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/venture-one-card\/\" rel=\"noopener\">full Capital One VentureOne review<\/a>.<\/p>\n<h2><span id=\"Best_Cashback_Earnings_on_a_0_Intro_APR_Balance_Transfer_Credit_Card\">Best Cashback Earnings on a 0% Intro APR Balance Transfer Credit Card<\/span><\/h2>\n<p>If you're looking for solid cashback earnings in addition to a 0% balance transfer fee, the <a data-ccid=\"4048251\" href=\"\/blog\/link\/CR-WellsFargoActiveCashCard\" rel=\"noopener nofollow sponsored\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"4048251\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/active-cash\/terms\/?product_code=CC&subproduct_code=AC&FPID=0126D7I6F40000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) is our recommendation. New applicants can score a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/p>\n<p>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% intro for 120 days from account opening, then up to 5%, min: $5. After the introductory period, a Variable APR of 18.49%, 24.49%, or 28.49% applies.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048251\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/merchant.linksynergy.com\/fs\/banners\/40602\/40602_52.png\" width=\"150\" alt=\"Wells Fargo Active Cash\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Wells Fargo Active Cash\u00ae Card' data-ccid=\"4048251\" href=\"\/blog\/link\/CR-WellsFargoActiveCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048251\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/active-cash\/terms\/?product_code=CC&subproduct_code=AC&FPID=0126D7I6F40000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Wells Fargo Active Cash<sup>\u00ae<\/sup> Card earns unlimited 2% cash rewards on purchases without the need to track spending categories or activate rewards quarterly. Cardholders also benefit from up to $600 coverage for cell phone damage or theft, subject to a $25 deductible.<\/div><div class=\"qs-tab-hl\"><ul><li>Apply Now to take advantage of this offer and learn more about product features, terms and conditions.<\/li><li>Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/li><li>Earn unlimited 2% cash rewards on purchases.<\/li><li>0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% 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.<\/li><li>$0 annual fee.<\/li><li>No categories to track or remember and cash rewards don't expire as long as your account remains open.<\/li><li>Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24\/7 Visa Signature<sup>\u00ae<\/sup> Concierge.<\/li><li>Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn unlimited 2% cash rewards on purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/ActiveCash\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-307b22a62b#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>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 <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/wells-fargo-active-cash\/\" rel=\"noopener\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card review<\/a>.<a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\" rel=\"noopener\"><\/a><\/p>\n<h2><span id=\"Best_Perks_on_a_0_Intro_APR_Balance_Transfer_Credit_Card\">Best Perks on a 0% Intro APR Balance Transfer Credit Card<\/span><\/h2>\n<p>No roundup of the best 0% intro APR balance transfer cards would be complete without the <a data-ccid=\"4028086\" href=\"\/blog\/link\/CR-BlueCashEverydayCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Everyday<sup>\u00ae<\/sup> Card from American Express<\/a>. 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. (<a data-ccid=\"4028086\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>).<\/p>\n<p>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.<\/p>\n<div class=\"qs-card\" data-id=\"4028086\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Blue Cash Everyday<sup>\u00ae<\/sup> Card from American Express<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/07\/BlueCashEveryday-CardArt-e1657816483860.png\" alt=\"Blue Cash Everyday\u00ae Card from American Express\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='Blue Cash Everyday\u00ae Card from American Express' data-ccid=\"4028086\" href=\"\/blog\/link\/CR-BlueCashEverydayCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028086\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As $200 Cash Back. Find Out Your Offer. You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Blue Cash Everyday<sup>\u00ae<\/sup> Card from American Express<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As $200 Cash Back. Find Out Your Offer. You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Blue Cash Everyday is a solid, no-annual-fee cashback card for anyone who spends a lot on groceries and gas. <\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>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.<\/li><li>No Annual Fee.<\/li><li>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%.<\/li><li>Plan It&#xAE;: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don't have the pressure of paying all at once. Simply select the purchase in your online account or the American Express&#xAE; App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do.<\/li><li>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.<\/li><li>Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday&#xAE; 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.<\/li><li>Terms Apply.<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul><li>3% cash back at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\r\n        <li>3% cash back at U.S. gas stations (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\r\n        <li>3% cash back with U.S. online retailers (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\r\n        <li>1% back on other eligible purchases<\/li>\r\n        <li>Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BlueCashEveryDay\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-307b22a62b#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<p>Beyond the new member offer, you'll earn\u00a03% 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.<\/p>\n<p>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 <a data-ccid=\"4028086\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/amex-blue-cash-everyday\/\">Blue Cash Everyday<\/a>. That's up to $84 in credits each year on a $0 annual fee card!<\/p>\n<h2><span id=\"Best_Long_Intro_APR_Period_on_a_0_Intro_APR_Balance_Transfer_Credit_Card\">Best Long Intro APR Period on a 0% Intro APR Balance Transfer Credit Card<\/span><\/h2>\n<p>The<a target=\"_blank\" href=\"\/credit-cards\/us-bank-shield-card\/\" rel=\"noopener\"><strong> U.S. Bank Shield\u2122 Visa<sup>\u00ae<\/sup> Card<\/strong><\/a> 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.<\/p>\n<p>Unfortunately, this card doesn't earn rewards, except for 4% cash back on travel purchases made through U.S. Bank's Travel Rewards Center.<\/p>\n<h2><span id=\"Top_0_Intro_APR_Credit_Cards_for_Balance_Transfers\">Top 0% Intro APR Credit Cards for Balance Transfers<\/span><\/h2>\n<p>\n<table id=\"tablepress-189\" class=\"tablepress tablepress-id-189 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Card<\/th><th class=\"column-2\">0% Period on Balance Transfers<\/th><th class=\"column-3\">Regular APR<\/th><th class=\"column-4\">Transfer Fee <\/th><th class=\"column-5\">Annual Fee<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4028086\" href=\"\/blog\/link\/CR-BlueCashEverydayCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Everyday<sup>\u00ae<\/sup> Card from American Express<\/a><\/td><td class=\"column-2\">15 months (on balance transfers requested within 60 days of account opening) - Terms Apply<\/td><td class=\"column-3\">19.49% - 28.49% Variable APR - <a data-ccid=\"4028086\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/td><td class=\"column-4\">either $5 or 3% of the amount of each transfer, whichever is greater. - <a data-ccid=\"4028086\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/td><td class=\"column-5\">$0 - <a data-ccid=\"4028086\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"3002003\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/travel-rewards-card\/\">Bank of America<sup>\u00ae<\/sup> Travel Rewards credit card<\/a><\/td><td class=\"column-2\">for 15 billing cycles for any balance transfers made in the first 60 days<\/td><td class=\"column-3\">18.24% - 28.24%<br \/>\nVariable APR on purchases and balance transfers<\/td><td class=\"column-4\">3% for 60 days from account opening, then 4%<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4048251\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/wells-fargo-active-cash\/\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/a><br> (<a data-ccid=\"4048251\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/active-cash\/terms\/?product_code=CC&subproduct_code=AC&FPID=0126D7I6F40000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">12 months from account opening on qualifying balance transfers (for transactions made within 120 days of opening account)<\/td><td class=\"column-3\">18.49%, 24.49%, or 28.49%<br \/>\nVariable APR<\/td><td class=\"column-4\">3% intro for 120 days from account opening, then up to 5%, min: $5<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048269\" href=\"https:\/\/awardwallet.com\/credit-cards\/wells-fargo-reflect-card\/\">Wells Fargo Reflect<sup>\u00ae<\/sup> Card<\/a><br> (<a data-ccid=\"4048269\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/reflect-visa\/terms\/?product_code=CC&subproduct_code=VV&FPID=013000IGF80000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">21 months from account opening on qualifying balance transfers (for transactions made within 120 days of opening account)<\/td><td class=\"column-3\">17.49%, 23.99%, or 28.24%<br \/>\nVariable APR<\/td><td class=\"column-4\">5%, min: $5<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><a data-ccid=\"3006159\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/quicksilver-card\/\">Capital One Quicksilver Cash Rewards Credit Card<\/a><\/td><td class=\"column-2\">15 months - (first 15 months your account is open, not 15 months from time of transfer)<\/td><td class=\"column-3\">18.49% - 28.49% Variable APR<\/td><td class=\"column-4\">Balance transfer fee applies<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"5048309\" href=\"\/blog\/link\/CR-TDFlexPayCreditCard\" rel=\"noopener nofollow sponsored\">TD FlexPay Credit Card<\/a><\/td><td class=\"column-2\">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.<\/td><td class=\"column-3\">17.49%, 19.49%, 22.49%, 25.49% or 27.49% variable APR based on your creditworthiness.<\/td><td class=\"column-4\">Either\u00a0$5\u00a0or\u00a03%\u00a0of the amount of each transfer, whichever is greater, on transfers made within the introductory offer. After that, either\u00a0$5\u00a0or\u00a05%\u00a0of the amount of each transfer, whichever is greater.<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><a data-ccid=\"3006150\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-one-card\/\">Capital One VentureOne Rewards Credit Card<\/a><\/td><td class=\"column-2\">15 months from account opening<\/td><td class=\"column-3\">18.49% - 28.49%<br \/>\nVariable APR<\/td><td class=\"column-4\">Balance transfer fee applies<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"3002004\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/bank-of-america-customized-cash-rewards\/\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/a><\/td><td class=\"column-2\">for 15 billing cycles for any balance transfers made in the first 60 days<\/td><td class=\"column-3\">18.24% - 28.24% Variable APR on purchases and balance transfers<\/td><td class=\"column-4\">3% for 60 days from account opening, then 4%<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4048258\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/bank-of-america-unlimited-cash-rewards\/\">Bank of America<sup>\u00ae<\/sup> Unlimited Cash Rewards credit card<\/a><\/td><td class=\"column-2\">for 15 billing cycles for any balance transfers made in the first 60 days<\/td><td class=\"column-3\">18.24% - 28.24% Variable APR on purchases and balance transfers<\/td><td class=\"column-4\">3% for 60 days from account opening, then 4%<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048129\" href=\"\/blog\/link\/CR-CapitalOneSavorCard\" rel=\"noopener nofollow sponsored\">Capital One Savor Cash Rewards Credit Card<\/a><\/td><td class=\"column-2\">12 months - (first 12 months your account is open, not 12 months from time of transfer)<\/td><td class=\"column-3\">18.49% - 28.49% Variable APR<\/td><td class=\"column-4\">Balance transfer fee applies<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-12 even\">\n\t<td class=\"column-1\"><a data-ccid=\"3006090\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" rel=\"noopener nofollow sponsored\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/a><br> (<a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=08916c2da30cf469fc36d7600651cc0e5&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<br \/>\n<\/td><td class=\"column-2\">15 months - (first 15 months your account is open, not 15 months from time of transfer)<\/td><td class=\"column-3\">18.24% - 27.74% Variable APR<\/td><td class=\"column-4\">Either $5 or 5% of the amount of each transfer, whichever is greater.<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-13 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"3002009\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">18 months (transfers must be completed in first 4 months)<\/td><td class=\"column-3\">17.49% - 27.49% (Variable) APR<\/td><td class=\"column-4\">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)<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-14 even\">\n\t<td class=\"column-1\"><strong>U.S. Bank Shield\u2122 Visa<sup>\u00ae<\/sup> Card<\/strong><\/td><td class=\"column-2\">for the first 21 billing cycles for balances transferred within 60 days from account opening<\/td><td class=\"column-3\">16.99% - 27.99% Variable APR<\/td><td class=\"column-4\">Either 5% of each transfer amount, $5 minimum will apply<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-15 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"740106\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-simplicity-review\/\" =_blank>Citi Simplicity<sup>\u00ae<\/sup> Card<\/a><\/td><td class=\"column-2\">21 months (transfers must be completed in first 4 months)<\/td><td class=\"column-3\">18.24% - 28.99% Variable APR<\/td><td class=\"column-4\">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)<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-16 even\">\n\t<td class=\"column-1\"><a data-ccid=\"3002002\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/bankamericard\/\">BankAmericard<sup>\u00ae<\/sup> credit card<\/a><\/td><td class=\"column-2\">for 21 billing cycles for any balance transfers made in the first 60 days<\/td><td class=\"column-3\">14.99% to 25.99% Variable<\/td><td class=\"column-4\">5% of the amount of each transaction<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-17 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"340046\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-diamond-preferred\/\">Citi<sup>\u00ae<\/sup> Diamond Preferred<sup>\u00ae<\/sup> Card<\/a><\/td><td class=\"column-2\">21 months on Balance Transfers (transfers must be completed in first 4 months)<\/td><td class=\"column-3\">17.24% - 27.99% (Variable) APR<\/td><td class=\"column-4\">Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-18 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4048250\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/a><\/td><td class=\"column-2\">15 months (transfers must be completed in first 4 months)<\/td><td class=\"column-3\">18.24% - 28.24% Variable APR<\/td><td class=\"column-4\">Balance transfer fee applies with this offer: 5% of each balance transfer; $5 minimum.<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<tr class=\"row-19 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048222\" href=\"https:\/\/awardwallet.com\/credit-cards\/us-bank-altitude-go\/\">U.S. Bank Altitude<sup>\u00ae<\/sup> Go Visa Signature<sup>\u00ae<\/sup> Card<\/a><\/td><td class=\"column-2\">15 billing cycles<\/td><td class=\"column-3\">18.24% - 28.24% Variable APR<\/td><td class=\"column-4\">Either 5% of the amount of each transfer or $5 minimum, whichever is greater<\/td><td class=\"column-5\">$0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/p>\n<h2><span id=\"How_to_Choose_an_Intro_0_APR_Credit_Card\">How to Choose an Intro 0% APR Credit Card<\/span><\/h2>\n<p>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.<\/p>\n<p>Each card on the list above provides a different combination of features, and you\u2019ll want to factor all the elements into the equation before you apply for a card.<\/p>\n<p>Some of the deciding factors to consider include:<\/p>\n<h3><span id=\"Your_current_card_issuer\">Your current card issuer<\/span><\/h3>\n<p>This one may surprise you. You can\u2019t transfer a balance between two cards from the same card issuer. For example, Chase won\u2019t allow you to transfer the balance from your <a data-ccid=\"4048084\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/sapphire-reserve\/\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/a>  (<a data-ccid=\"4048084\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1975477.10005148&type=3&subid=06279faaa6cf35030a62a81d4ae137b54&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) to a newly opened Chase card that offers an intro balance transfer offer.<\/p>\n<p>You\u2019ll need to look at Amex, Citi, or any card issuer other than Chase for a balance transfer card.<\/p>\n<h3><span id=\"Length_of_intro_0_APR_period\">Length of intro 0% APR period<\/span><\/h3>\n<p>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.<\/p>\n<p>Note that at the end of an intro APR period, the card's regular APR will begin to accrue interest on any remaining balance.<\/p>\n<figure id=\"attachment_62145\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-62145 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/05\/pickawood-gf8e6XvG_3E-unsplash-300x240.jpg\" alt=\"Image of a woman at a laptop holding a credit card in her hand\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/05\/pickawood-gf8e6XvG_3E-unsplash-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/05\/pickawood-gf8e6XvG_3E-unsplash-325x260.jpg 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/05\/pickawood-gf8e6XvG_3E-unsplash.jpg 750w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Pickawood\/Unsplash<\/em><\/enter><\/figure>\n<h3><span id=\"Balance_transfer_fee\">Balance transfer fee<\/span><\/h3>\n<p>A balance transfer fee is one of the most important aspects to consider. Let\u2019s say you're choosing between two intro APR cards and you\u2019re 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.<\/p>\n<p>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.<\/p>\n<h3><span id=\"Does_it_earn_rewards\">Does it earn rewards?<\/span><\/h3>\n<p>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.<\/p>\n<h3><span id=\"Welcome_bonus\">Welcome bonus<\/span><\/h3>\n<p>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.<\/p>\n<p>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.<\/p>\n<figure id=\"attachment_128816\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-128816 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Tima-Miroshnichenko-Pexels-man-with-credit-card-featured-300x240.png\" alt=\"A man sits at a table holding a credit card while looking at his smart phone\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Tima-Miroshnichenko-Pexels-man-with-credit-card-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Tima-Miroshnichenko-Pexels-man-with-credit-card-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Tima-Miroshnichenko-Pexels-man-with-credit-card-featured-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Tima-Miroshnichenko-Pexels-man-with-credit-card-featured.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Tima Miroshnichenko\/Pexels<\/em><\/enter><\/figure>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/how-is-credit-score-calculated\/\" rel=\"noopener\">A Beginner's Guide to Building Healthy Credit<\/a><\/strong><\/p>\n<h3><span id=\"Regular_APR\">Regular APR<\/span><\/h3>\n<p>If you don\u2019t 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.<\/p>\n<h3><span id=\"Annual_fee\">Annual fee<\/span><\/h3>\n<p>If you\u2019re focused on paying down your credit card balance, it doesn\u2019t make sense to pay an annual fee on the balance transfer card. All the cards we mention on our list feature no annual fee.<\/p>\n<h3><span id=\"Eligibility_for_that_card\">Eligibility for that card<\/span><\/h3>\n<p>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.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Understanding Rewards Credit Card Application Rules and Restrictions<\/a><\/strong><\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>When choosing a balance transfer card, look for one that provides a long intro APR period, charges no annual fee, and preferably doesn\u2019t 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.<\/p>\n<p><div class=\"qs-card\" data-id=\"3002009\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/12d797ee-967a-492c-afac-48873b260ebb.jpg\" width=\"150\" alt=\"Citi Double Cash\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" rel=\"noopener nofollow sponsored\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $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<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $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<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">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.\r\n<br>\r\n<br>\r\nIf 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.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>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<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back.<\/li>\r\n<li>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.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<li>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.<\/li>\r\n<li>Balance Transfers do not earn cash back. Intro APR does not apply to purchases.<\/li>\r\n<li>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.<\/li>\r\n<li>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).<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>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.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/DoubleCash-18BT\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-307b22a62b#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A 0% APR intro balance transfer offer can save you a lot of money on interest. The best cards offer a mix of strong earning rates, a top-tier welcome offer to deliver instant value, and a long introductory APR period so you have plenty of time to pay down the balance without suffering high interest rates. Here are the top cards with a balance-transfer offer to knock your interest charges down to zero for up to 24 months.<\/p>\n","protected":false},"author":80,"featured_media":115699,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12232],"coauthors":[36432,36469],"class_list":["post-32042","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-offers"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/32042","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/80"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=32042"}],"version-history":[{"count":113,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/32042\/revisions"}],"predecessor-version":[{"id":240209,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/32042\/revisions\/240209"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/115699"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=32042"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=32042"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=32042"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=32042"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}