9 Best 0% APR Credit Cards For Balance Transfer

Using a credit card requires 0% APR credit cards for balance transfers over time can be convenient. But it requires a trade-off: interest charges. You may think of interest as much as you pay for borrowing money. It is based on the amount of your balance you transfer generally.

In this case, you may avoid the interesting matter entirely if you pay your balance in full every month. Having a zero-interest credit card, you’re allowed to enjoy the maximum benefits. You’ll be able to split up the payments over a certain period with occurring no interest charges.

0% APR Credit Cards For Balance Transfers

These credit card providers offer new cardholders a 0% introductory APR period-valid over a year usually. You will get different benefits on each type of credit card, so the wise thing to do before choosing a credit card is to have a good idea about credit cards.

To enrich your knowledge about credit cards you can take a look at the best nine credit cards for balance transactions and rewards, including 0% intro APR, miles, points, and cashback cards.

What Is A Good APR rate?

When you go shopping for your new credit card, one of the most important points to consider is the APR. The APR or annual percentage rate of a credit card states the interest rate applied to the funds you carry beyond the grace period.

There is a strong connection between the balance and APR. The lower your credit card’s APR, the less interest you pay on your credit card balance. If you intensely pay for your statement balance in full of every month and avoid interest charges even, considering a good APR for a credit card would be fruitful.

Above all, the main thing is whether you need to switch to a new credit card or to get a good deal, you should give importance to saving your money on financed purchases.

How To Qualify For A 0% APR Credit Card?

Picking up a credit card with a good APR offers 0% apr credit cards for balance transfers. Through credit cards works as a short-term loan, but a good APR with a 0% rate for a limited time has the probability of being “free.” You must be careful while choosing among 0% APR credit cards.

Ensure you’ve enough time without paying interest and ensure that you’re getting the cardholder perks you want most. Firstly, consider that credit cards with lengthy 0% APR offers. Secondly, consider the fees while you transfer your funds and the reward programs.

What Should You Look In A 0% APR Credit Card:

If you’re seeking 0% APR credit cards for balance transfers, you must consider these suggested points below. However, the 0% APR period will be applied to balance transfers, purchases, or both.

1. The Balance Transfer Fee:

Most credit card companies require a balance transfer fee that is around 3% per transfer. The Citi® Double Cash Card will charge you a 3% transfer fee depending on your transfer amount. If you transfer $5000, for example, the balance transfer would be $150. The transaction fee will outweigh if you want to save on interest during a special period of financing, which could be more than 3%.

2. The Annual Fee:

You should consider the type of credit card that holds a good APR. Many credit card providers require no annual fee on your usage or for their providing services. You may get 0% APR credit cards for balance transfers, which requires no extra money as the interest fee.

3. The Introductory Interest Rate:

You can get some of the best available credit cards, which require special introductory rates. An introductory interest rate indicates the lowest rate, even a 0% rate that applies for a limited period after opening your credit card.

Introductory rates are given to those users who maintain good or excellent credit scores. Even the APR, which applies after the introductory period, ends based on your creditworthiness.

4. The Length Of The Intro APR Period:

Credit cards that offer a 0% APR are extremely appealing to the users, especially if someone’s hoping to pay off old debt. Also, it would be a nice option if you are going to fund big purchases or cover the expenses for the next few months.

The period of the intro APR depends on the promotional period in most cases. Once your credit card passed its promotional period. You’ll start the interest fee on any unpaid balances, including what you transferred or charged to the credit card with the promotional APR.

What Is A Balance Transfer?

A balance transfer means moving your debt from one card provider to another. People often use their existing debit cards to transfer money from one debit card to another. It reduces the interest payments on current credit card debts.

It’s a very effective way to manage credit card repayments. But there are many things to know considering about fund transfer credit cards before deciding whether open a bank account or not.

A balance transfer can be a fruitful idea if you have a firm plan to reduce your debt. Moreover, consolidating debt under one monthly payment will help you manage your debt load more effectively and form a plan to pay off the balance.

How Does A Balance Transfer Card Work?

Balance transfers operate by shifting your debt from one credit card to another. A balance transfer credit card is the tool that you may use to do it. The balance you’ve on your old existing credit card is paid off to the new one. You may be wondering how banks and other credit card providers make money transfers from one card to another.

If you don’t clear your debt at the end of the 0% period, you must start paying the interest. If your previous credit card or bank account was closed for your bad credit history then you can consider a second chance credit card with no security deposit.

In addition, you may have to pay often while transferring your funds. For instance, if you’ve debt on a credit card at a typical 18% interest rate, it could not be easy to keep the payments. However, if you were to move this balance on a 0% credit card, then you won’t need to pay until the deal expires, and it could be more than three years.

In other words, if you pay off your credit card before the 0% deal expires, transferring the balance would be like an interest-free loan.

How Long Do Balance Transfers Take?

Many credit card providers state how long the balance transfer procedure takes on their websites and they also offer granted approval credit cards for bad credit. If the information isn’t available in case of, then you may contact your card issuer’s customer care service.

If you’re going to transfer your money onto a new credit card, expect several days to complete the balance transfer procedure. And there are no hard and fast rules in how long credit card companies take to complete the balance transfer task.

If you want to transfer your balance onto your existing account, it may take around seven working days to process. For example, Citi and Chase, both cardholder providers, could take up to 21 days to complete. Don’t worry; we’ll cover up the best 0% APR credit cards for balance transfers one by one so, you can pick an option to continue.

Does 0% APR Credit Card Affect Your Credit Score?

The straight answer is – “yes.” Applying for a new credit card for funds transferring will result in a hard inquiry, depending on your credit card. Moreover, a newly opened credit card also affects the length of the credit history.

Having a new card can reduce the average age of your credit card which can knock points off your overall score. If you’ve got a few credit cards may impact more significantly than you’ve many.

What Is The Best 0% APR Credit Cards For Balance Transfers?

We’ve listed the top 9 best credit card companies that you may consider. To manage debt, a balance transfer credit card could help you to pay down your debt faster. You can transfer your funds from an existing card to a new one with lower interest.

Some are guaranteed approval credit cards. Compare our picks of credit cards for transferring your balance and see how much each card could help you to save money.

1. U.S. Bank Visa® Platinum Card:


  • Enjoy the cell phone protection feature on your monthly cellular bill using U.S. Bank Visa® Platinum Card.
  • You can get a special 0% introductory APR for a limited time on fund transfers and purchases.
  • Check your credit card score from anywhere, anytime using its mobile application or online banking. It’s free and easy to use.
  • Fraud protection notifies your card of unusual activities.
  • $0 annual fee.

2. Citi® Diamond Preferred® Card:


  • First 18 months you will get 0% APR on purchases with Citi® Diamond Preferred® Card and then APR will 11.99% – 21.99% depending on your Indebtedness.
  • Citi® Diamond Preferred® Card requires a balance transfer fee of either 3% of each transfer or $5 on every money transfer.
  • Enjoy free access to your FICO score online.
  • You can shop using this credit card with dependable protection benefits, including $0 liability on unauthorized purchases.
  • It’s the best second chance credit card with no security deposit that you may use without facing any complications.

3. Wells Fargo Platinum card:

  • Wells Fargo platinum credit comes with account protection features such as 0 liability protection protects from fraud transactions, alerts, and cell phone protection.
  • It offers an intro 0% APR for 18 months from account opening on balance transfers and purchases. Hence, a variable APR applies once the promotion period is over.
  • Using the My Money Map- will help you to view your credit scores.
  • $0 annual fee.
  • Get free access to your FICO credit score with Wells Fargo Online.

4. Citi® Double Cash Card:


  • Citi® Double Cash Card offers the first 15 months with 0% intro APR on your balance transfer. After that will be charged APR based on your creditworthiness.
  • Earn 2% on every purchase you make with unlimited 1% cashback when you pay Citi® Double Cash Card. Plus, an additional 1% fee as you pay for those purchases.
  • Provides 24/7 customer service representatives.
  • $0 annual fee.

5. BankAmericard® credit card:


  • BankAmericard® credit card offers to earn 3% cashback on these categories: online shopping, gas, travel, drug stores, home improvement, etc. And 2% cash back on grocery purchases.
  • Unlimited 1% cashback on all other purchases.
  • Enjoy a $200 cash rewards bonus after you’ve spent $1000 for a minimum in purchases in the first 90 days of account opening.
  • Introductory 0% APR for the first 15 billing cycles on the payments you make and balance transfers made within 60 days of the account opening. Then, a variable APR applies. 
  • $0 annual fee.

6. Discover it® Balance Transfer:


  • You can enjoy an unlimited cashback match from the day opening an account. Also, no limit on spending, and possible to turn $150 cashback into $300.
  • Discover it® offers 5% cashback on every payment you make from grocery stores, Amazon, gas, etc.
  • There’s no annual fee using this credit card.
  • Discover credit card is widely accepted.
  • You can earn 1% unlimited cash back on all kinds of purchases.

7. Citi Rewards+® Card:


  • It offers to earn 15,000 bonus points on $1000 spending for a minimum within the first 90 days from the account opening day.
  • The Citi Rewards card offers 0% intro APR on the balance of your transfers for 15 months from the date of opening the account. Then, variable APR will be applied.
  • Citi is the only credit card that rounds up automatically more than the nearest 10 points on every payment you make with no cap.

8. HSBC Gold Mastercard® Credit Card:


  • Enjoy 0% intro APR on balance transfers and purchases with HSBC Gold Mastercard® Credit Card for the first 18 months from the day of opening the account. Hence, a variable APR will be applied.
  • No penalty APR and no late fee waiver.
  • $0 annual fee.
  • Zero liability from fraud transactions.

9. Chase Freedom Unlimited®:


  • Using this credit card, you can earn 1.5% unlimited cash back on all kinds of purchases.
  • Chase Freedom Unlimited® offers to earn a $200 bonus after spending $500 on purchases you make within the first three months from the day of opening the account.
  • No annual fee.
  • There’s no limit to redeeming for cashback. The cashback rewards don’t expire as long as opening an account.

Bottom Line:

When you’re going to choose a credit card for the balance transfer, consider the comparatively long intro APR period, which charges no annual fee. Preferably, pick that credit card that requires no balance transfer fee.

Choosing the right credit card can save you thousands of dollars on interest fees from the initial term and transaction fees. As we’ve added on the above the best 0% Apr Credit Cards For Balance Transfers, you may choose any card from these. It will provide you with a lower-cost method of servicing your existing credit card debt.