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ExpertiseExplore our best balance transfer credit cards with zero interest offers. Choose wisely for enhanced financial flexibility and optimal benefits.
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Rewards Rate:
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, a special travel offer, earn 5% total cash back on hotel, car rentals, and attractions booked on the Citi Travel℠ portal through 12/31/25
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
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49%-28.49%, based on your creditworthiness.
Rewards Rate:
Unlimited 1.5 points for every $1 you spend on all purchases
Welcome Bonus: 25,000 online bonus points after you spend at least $1,000 on purchases in the first 90 days of opening your account
Intro APR: 0% for 15 billing cycles for purchases and qualifying balance transfers, then a variable APR of 18.49% - 28.49%
Rewards Rate:
6% Cash Back at U.S. supermarkets up to $6,000 per year in purchases, then 1%
6% Cash Back on select U.S. streaming subscriptions
3% Cash Back on U.S. gas stations and transit including taxis/rideshare, parking, tolls, trains, buses and more
1% Cash Back on other purchases
(Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.)
Welcome Bonus: Earn a $250 statement credit after you spend $3,000 in eligible purchases in the first 6 months
Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.24% - 29.24%.
Rewards Rate:
Unlimited 1.5% for every $1 you spend on all purchases
Welcome Bonus: Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
Intro APR: 0% for 15 billing cycles for purchases and qualifying balance transfers then, a variable APR of 18.49% - 28.49%
Rewards Rate:
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Unlimited 1.5% cash back on all other purchases
Welcome Bonus: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back! Enjoy 6.5% 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; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year)
Intro APR: Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
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In the digital finance age, finding the best balance transfer cards has never been easier. Applying online offers you the convenience to sift through numerous balance transfer credit card offers, allowing you to make an informed choice. Whether you're looking for a balance transfer credit card with a no-fee option or a card with the longest 0-interest balance transfer period, there are many options for you to choose from.
The spectrum of balance transfer cards is broad, but choosing the right one boils down to your financial situation and goals:
Duration of 0% APR: The best credit cards for balance transfers often come with a 0 APR balance transfer period. Assess how long you'll need to pay off your debt and choose a card that offers that duration.
Transfer Fees: While options exist for a zero percent balance transfer with no fee, some cards may charge a certain percentage of the amount being transferred.
Post-Promotional Interest Rates: After the initial 0 balance transfer credit card offer ends, interest rates can soar. It's essential to be aware of the post-promotional rates.
Navigating the intricacies of credit card balance transfer offers is simpler when you're armed with the basics:
Purpose: The primary goal of a balance transfer credit card is to consolidate high-interest debt onto a card offering lower (often 0%) interest, saving you money and simplifying payments.
Transfer Limits: There might be limits to how much you can transfer. Always check these before applying.
Application Impact: Applying for multiple transfer balance credit cards quickly might impact your credit score.
Bank of America
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