Best 0% Balance Transfer Credit Cards

zero-percent225 In case you have a major steadiness in your present bank card, it is sensible to discover a new bank card that may allow you to switch that steadiness and let it sit at a 0% rate of interest when you pay it off. The bank cards under all provide a zero p.c steadiness switch price for a minimum of 15 billing cycles and haven’t any annual payment:

  • Bank Americard VisaOur selection for the perfect 0% steadiness switch card. Gives a 0% rate of interest on steadiness transfers for 15 billing cycles, with No Balance Transfer Charge, offered you switch the steadiness inside 60 days of card opening. (There’s a 3% steadiness switch payment after that first 60 days.) You’ll additionally get a 0% price on new purchases for the primary 15 months. After 15 months the rate of interest might be anyplace from 15.24% to 25.24%, relying in your credit score historical past.
  • Amex EveryDay Credit Card – The latest American Categorical rewards card affords a 0% price on steadiness transfers with no steadiness switch payment if switch made inside 60 days of account opening. 0% price on purchases for 15 months, too. Rate of interest after the primary 15 months ranges from 15.24% to 26.24% relying in your credit score historical past.
  • Chase Slate Visa – Gives a 0% rate of interest for 15 months on transferred balances, with no payment for balances transferred inside 60 days. (0% price on new purchases for 15 months, too.) Your APR on transferred balances after the primary 15 months can be from 17.24% to 25.99%, relying on the speed you’re accredited at (which is determined by your credit score historical past). Word that the steadiness switch payment bumps as much as 5% after 60 days, so get it carried out early.
  • U.S. Bank Visa Platinum – 0% steadiness transfers for 18 billing cycles. The steadiness switch payment is 3%. Rate of interest after the primary 20 cycles is 14.74% to 25.74% relying in your credit score historical past. 0% price on purchases for 18 billing cycles, too.
  • Wells Fargo Platinum Visa – Gives a 0% price on steadiness transfers for 18 months, with a 3% steadiness switch payment if transferred inside 120 days of account opening (5% steadiness switch payment after 120 days.). APR after the 18 months is anyplace from 13.74% to 27.74%. Additionally 0% rate of interest on new purchases for 18 months.
  • Citi Simplicity Card – Gives a 0% rate of interest on steadiness switch for 21 months, however with a 5% steadiness switch payment. The rate of interest on transferred balances after the primary 21 months is 16.24% to 26.24% relying on what price you’re accredited at (which relies in your credit score historical past).
  • PNC Core Visa – Gives a 0% price on steadiness transfers for 15 billing cycles, however a 3% steadiness switch payment applies. Additionally affords a 0% price on new purchases with the cardboard for 15 billing cycles. Commonplace rates of interest after 15 cycles vary from 12.24% to 22.24% relying in your credit score historical past.
  • KeyBank Latitude MasterCard – Gives a 0% price on steadiness transfers (and purchases too) for 15 months, however with a 3% steadiness switch payment. Ongoing rate of interest after the primary 15 months of 12.24% to 22.24% relying in your credit score historical past.
  • SunTrust Cash Rewards Credit Card – Gives a 0% rate of interest on steadiness transfers for 15 months, with a 3% steadiness switch payment. 0% on new purchases for 15 months, too. Rate of interest after first 15 months can be anyplace from 13.49% to 23.49% relying in your credit score historical past.
  • Capital One SavorOne Rewards Card – Gives a 0% introductory price on steadiness transfers in addition to a 0% price on purchases for 15 months. There’s a 3% steadiness switch payment. Rate of interest after the primary 15 months: 15.24%, 21.24%, or 25.24%, relying in your credit score historical past.
  • Blue Cash Everyday from American Express – Get a 0% introductory price on transferred balances for 15 months. (3% payment on steadiness transfers.) 0% price on new card purchases for 15 months additionally. Rate of interest after the primary 15 months ranges from 15.24% to 26.24% relying in your credit score historical past.
  • Chase Freedom Unlimited – 0% curiosity on steadiness transfers for 15 months however a 3% steadiness switch payment. Rate of interest after the primary 15 months of anyplace from 17.24% to 25.99% relying in your credit score historical past. 0% price on new purchases for 15 months additionally.
  • Chase Freedom Card – Gives a 0% rate of interest on steadiness transfers for 15 months from card opening (15 months on purchases, too). There’s a 3% steadiness switch payment. Rate of interest after the primary 15 months of anyplace from 17.24% to 25.99% relying in your credit score historical past.
  • Choice Privileges Visa – Reward bank card for resort chains together with Consolation Inn, Clarion, EconoLodge and extra affords a bank card with a 0% steadiness switch provide for 15 months, for balances transferred inside 45 days of getting the cardboard. There’s a 3% steadiness switch payment. Rate of interest on purchases and transferred balances after 15 months is both 17.49%, 22.24%, or 27.24%.
  • Citi Diamond Preferred Card – Gives a 0% rate of interest on steadiness transfers for 18 months, however word the very excessive 5% steadiness switch payment. The rate of interest on transferred balances after the primary 18 cycles is 15.24% to 25.24% relying on what price you’re accredited at (which relies in your credit score historical past).
  • Fifth Third Bank Truly Simple MasterCard – 0% rate of interest on steadiness transfers for 15 months, and 0% on new purchases, too. 4% payment on transferred balances, although. Rate of interest after these 15 months varies from 14.24% to 25.24%.
  • Citizens Bank Cash Back Plus MasterCard – Gives a 0% price on steadiness transfers for 15 months, however a 4% payment on transferred balances. Rate of interest after 15 months might be 16.74%, 20.74%, or 24.74% relying in your credit score historical past.