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Offers for the Blue Cash Everyday® Card from
Paying interest on a credit card balance? A 0% introductory annual percentage rate (APR) offer could give you time to pay it down without adding interest to the amount you transfer. The key is finding a card with a transfer fee and repayment window that work for you.
Start with the offers below. Compare the cost, check that your balance is eligible, and choose a repayment timeline you can manage.
| Card | 0% Intro APR on Balance Transfers | Regular APR | Transfer Fee | Annual Fee |
|---|---|---|---|---|
| Citi Double Cash® Card (Rates & Fees) | 18 months (transfers must be completed in first 4 months) | 18.49% - 28.74% (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 |
| Bank of America® Customized Cash | for 15 billing cycles for any balance transfers made in the first 60 days | 17.74% - 27.74% Variable APR on purchases and balance transfers | 3% for 60 days from account opening, then 5% | $0 |
| 15 months from account opening | 18.74% - 28.74% 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 | 19.74% - 28.74% Variable APR | either $5 or 3% of the amount of each transfer, whichever is greater. | $0 |
| Wells Fargo Reflect® Card (Rates & Fees) | 21 months from account opening on qualifying balance transfers (for transactions made within 120 days of opening account) | 17.74%, 24.24%, or 28.49% Variable APR | 5%, min: $5 | $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 | Balance Transfer Fee: 3% of the amount of each transfer made within 60 days of account opening. After that, 5% of the amount of each transfer. In each case, a minimum fee of $5 applies. | $0 |
Before you choose: Note that you generally can’t transfer a balance between cards from the same issuer. If you’re paying interest on a Citi card, for example, only consider offers from another bank.
How to narrow the list: Compare the transfer fee with how much time you need to repay. For example, the Citi Double Cash combines a lower introductory transfer fee with an 18-month window. Wells Fargo Reflect gives you longer to repay, but charges a higher transfer fee.
Citi Double Cash: A Lower Transfer Fee With More Time to Repay
The Citi Double Cash (Rates & Fees) offers a 0% intro APR on Balance Transfers for 18 months, then a variable rate of 18.49% - 28.74% - 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).
For a $5,000 transfer completed during the introductory fee window, the fee is $150. That's $100 less than a card charging a 5% balance transfer fee.
Keep in mind: This introductory APR offer does not apply to purchases, and carrying a transferred balance can mean paying interest on new purchases. Save the card’s cash-back benefits for after you’ve paid off the transfer.
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 18.49% - 28.74%, 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.
Wells Fargo Reflect: A Longer Repayment Window
The Wells Fargo Reflect® Card (Rates & Fees) offers 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
Although the Wells Fargo Reflect charges a higher balance transfer fee, it can be worth considering if a shorter offer would leave you with a balance when its introductory rate ends. A qualifying $5,000 transfer would incur a $250 fee, bringing your balance to $5,250. With 21 monthly payments remaining in the introductory period, paying $250 per month would clear that balance without interest, assuming no additional charges.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24%, or 28.49% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Bank of America Customized Cash Card: A Lower Transfer Fee Plus Strong Cash Back
The Bank of America Customized Cash Card gives you another way to access a 0% Intro APR with a 3% introductory transfer fee. You’ll need to move the balance within 60 days of account opening, and the 0% intro APR lasts for your first 15 billing cycles. After the introductory APR period, a 17.74% - 27.74% Variable APR on purchases and balance transfers applies. The transfer fee increases to 5% after the first 60 days.
Plus, you can get 0% Intro APR for 15 billing cycles for purchases, with solid cash-back earnings: Earn 6% cash back for the first year in the category of your choice. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. That makes this card a great option for charging necessities while you pay down your balance.
- 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.
Capital One VentureOne: A Solid Everyday Miles-Earning Option
The Capital One VentureOne offers 0% intro APR on balance transfers for 15 months from account opening. After that, the Variable APR is 18.74% - 28.74%. Balance transfer fee applies. Check the transfer fee in your application offer before choosing this card.
New cardholders also get 0% intro APR on purchases for 15 months. Plus, 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. Even better, you can earn 20,000
Keep in mind: Capital One recently acquired Discover. That means you can’t transfer balances from Capital One or Discover accounts to this card.
- 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; 18.74% - 28.74% 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.
Blue Cash Everyday: Intro APR Offers Plus Everyday Cash Back
The Blue Cash Everyday offers an introductory APR of 0% on balance transfers for 15 months . After that, the Variable APR is 19.74% - 28.74% . The transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater. Transfers must be requested within 60 days of account opening. Terms apply.
This card also offers an introductory APR of 0% on purchases for 15 months. Plus, 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. That makes this an excellent card for cash-back earnings while you pay down your balance.
Keep in mind: This card charges a high APR after the intro rate ends. Ensure you have a plan to pay off your transferred balance and any purchases you make on the card.
- 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.
Chase Freedom Unlimited®: A Lower Introductory Transfer Fee Plus Ongoing Rewards
The Chase Freedom Unlimited® (Rates & Fees) offers a 0% introductory APR on purchases and balance transfers for 15 months, after a Variable APR of 18.24% - 27.74% will apply. Balance transfer fee: 3% of the amount of each transfer made within 60 days of account opening. After that, 5% of the amount of each transfer. In each case, a minimum fee of $5 applies.
In addition to the intro APR offers, the Freedom Unlimited earns 5% on travel purchased through Chase Travel℠, 3% on dining at restaurants and drugstores, and 1.5% on other eligible purchases. Plus, new cardholders can earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
- Earn 5% on purchases through Chase Travel℠
- Earn 3% on dining at restaurants
- Earn 3% on drugstore purchases
- Earn 1.5% on all purchases
TD FlexPay Credit Card: If You Live in an Eligible State
If you live in one of the eligible states below, the TD FlexPay Credit Card is worth considering for its combination of a longer introductory APR period and a lower introductory transfer fee.
The card offers 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. The introductory transfer fee is: 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.
This 18-month window offers more repayment time than the 15-month options here — without paying a higher balance transfer fee.
Keep in mind: Check both TD Bank geographic eligibility and the issuing bank of your current card before applying.
TD Bank only offers
- Our best balance transfer offer: Get a 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.
- No annual fee
- Get built-in flexibility with the TD FlexPay Credit Card
Work Out Your Monthly Payment Before You Apply
A longer introductory offer can make payments more manageable, but a lower transfer fee can reduce what you owe. Here’s how the trade-off looks for a $5,000 balance:
| Illustrative offer | Transfer fee | Total to repay | Monthly payoff target |
|---|---|---|---|
| 3% transfer fee 15 monthly payments | $150 | $5,150 | $344 |
| 3% transfer fee 18 monthly payments | $150 | $5,150 | $287 |
| 5% transfer fee 21 monthly payments | $250 | $5,250 | $250 |
These examples assume a 0% intro APR throughout the repayment period, no annual fee, no new charges, and the full number of payments shown remaining after the transfer posts. Payments are rounded up to the nearest dollar; the final payment may be smaller. These are payoff targets, not the issuer’s required minimum payments.
For your own plan, add the transfer fee to the amount you’re moving, then divide by the number of payments you can make before the introductory rate expires. Allow a little extra room if you can. If you also use the card for purchases, include that spending in your payoff plan; the examples here only cover the transferred balance and transfer fee.
If you could repay the existing balance quickly, compare the interest you’d pay by keeping it where it is with the transfer fee. A balance transfer isn’t automatically the cheaper option.
Before You Transfer a Balance
- Check the issuer and your eligibility. The bank behind the card matters, including for airline, hotel, and store cards. Review restrictions on transfers and introductory offers before applying.
- Leave room for the fee. Approval doesn’t guarantee enough available credit to transfer your full balance. Transfer limits can be lower than your credit limit, and the fee can use part of that limit.
- Keep paying the old card. Continue making payments until you confirm the transfer has posted. Check the following statement for any remaining interest or charges.
- Set a payoff target, not just autopay for the minimum. Minimum payments may leave a substantial balance when the introductory offer ends. At that point, the regular APR applies to the remaining balance.
- Be careful with new purchases. A balance transfer offer may not include an introductory purchase APR. Carrying the transferred balance also can affect your purchase grace period. Balance transfers generally don’t earn rewards or count toward a welcome offer’s spending requirement.
Page Contents
- Citi Double Cash: A Lower Transfer Fee With More Time to Repay
- Wells Fargo Reflect: A Longer Repayment Window
- Bank of America Customized Cash Card: A Lower Transfer Fee Plus Strong Cash Back
- Capital One VentureOne: A Solid Everyday Miles-Earning Option
- Blue Cash Everyday: Intro APR Offers Plus Everyday Cash Back
- Chase Freedom Unlimited®: A Lower Introductory Transfer Fee Plus Ongoing Rewards
- TD FlexPay Credit Card: If You Live in an Eligible State
- Work Out Your Monthly Payment Before You Apply
- Before You Transfer a Balance
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Freedom Unlimited® (Rates & Fees), and Citi Double Cash® Card (Rates & Fees)
