Get the best 0% balance transfer credit card for 24 months

Best balance transfer credit cards – Get 0% interest for up to 24 months

Looking for a balance transfer card? Take a look at the top balance transfer cards on the market and pick the one that’s best for you.

The term “balance transfer card” might sound complicated, but the idea is simple. A balance transfer means that, for a one-time fee, you take the debt you owe on one credit card and move that amount to another card (a balance transfer credit card).

A balance transfer can be a great option if you’re paying heavy interest on your current credit card — you can move your existing balance to another card that offers low or no interest for a set period of time. This can help you pay off your debt faster and with less interest.

Rates last updated April 20th, 2018
Name Product Product Description Intro APR for Balance Transfer APR for Purchases ( Purchase Rate ) Annual fee Minimum Credit Score
Blue Cash Everyday® Card from American Express
Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of a statement credit.
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
14.49% to 25.49% variable
Fair (660-699)
The Chase Freedom® Unlimited™ credit card
Earn unlimited 1.5% cash back on every purchase – it's automatic. No minimum to redeem for cash back.
0% Intro APR for 15 billing cycles (with whichever is greater, $5 or 5% balance transfer fee)
16.24% to 24.99% variable
Fair (660-699)
Chase Slate® credit card
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
0% Intro APR for 15 billing cycles (with $0 for transfers in first 60 days. Then $5 or 5% balance transfer fee)
16.24% to 24.99% variable
Fair (660-699)
BankAmericard Cash Rewards™ Credit Card
Earn more cash back for the things you buy most.
0% Intro APR for 12 statement closing dates (with whichever is greater, $10 or 3% balance transfer fee)
14.49% to 24.49% variable
Good (700-739)
HSBC Cash Rewards Mastercard®
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
0% Intro APR for first 15 months from account opening (with whichever is greater: $10 or 4% balance transfer fee)
14.49%, 18.49% or 24.49% variable
Fair (660-699)
NASA Federal Platinum Advantage Rewards Credit Card
NASA Federal Platinum Advantage Rewards Credit Card
Enjoy perks and save money while gaining points that never expire with every purchase.
9.9% Intro APR for 90-days
11.40% to 17.99% variable
Fair (660-699)
DCU Visa® Platinum Secured Credit Card
A great way to establish or improve your credit history.
13.00% variable
Poor (Below 660)
primor® Secured Visa Gold Card
Fast, easy application process. No processing or application fees!
9.99% variable
Poor (Below 660)
Barclaycard Ring™ Mastercard®
A low, variable APR on purchases, balance transfers and cash advances.
10.49% variable
Good (700-739)
Discover it® Secured Credit Card
2% Cashback at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases.
10.99% Intro APR for 6 months (with the amount of each transfer, 3% balance transfer fee)
24.49% variable
Poor (Below 660)
Fifth Third Secured Card
Build, or rebuild, your credit with each purchase.
25.49% variable
Poor (Below 660)

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What to look for in a balance transfer card

As with any credit card, choosing the right balance transfer card will depend on your individual needs. However, you’ll typically want to weigh these factors while considering balance transfer cards:

  • 0% APR promotions. Since the purpose of a balance transfer card is to shield you from interest payments, you want a card that offers 0% APR on balance transfers for a long time. You can find 0% APR promotions that last a year or more (potentially upwards of 20 months).
  • Annual fees. Balance transfer cards are all about savings, but annual fees can eat into those savings. Keep in mind that many good balance transfer cards come with no annual fees.
  • Balance transfer fees. Unfortunately, transferring balances is usually not free. Read each card’s fine print to see what the applicable balance transfer fees are.
  • Perks. Many good balance transfer cards are designed solely for cardholders to pay down debt — which means they don’t offer much in terms of rewards or perks. However, it’s definitely possible to find cards with solid balance transfer promotions and attractive rewards.

Now that you know what you’re looking for with balance transfer cards, take a look at our list of the best balance transfer cards on the market.

The best balance transfer cards comparison

What makes these balance transfer cards effective?

Chase SlateChase Slate Credit Card
The Chase Slate’s 0% APR promotion for 15 billing cycles on balance transfers is quite good. But what really makes the Chase Slate stand out is its unique no-fee promotion: On balance transfers you make within 60 days of opening your account, you won’t pay any fees. The 0% intro APR includes purchases too, and afterward reverts to 13.24% to 23.24%. Plus, no annual fee.

Citi SimplicityCiti Simplicity Card

The Citi Simplicity Card is a heavy hitter when it comes to APR promotions. Many balance transfer cards offer 0% APR on transfers for up to year, but the Citi Simplicity offers 0% APR on transfers for a generous 21 months. You have a lengthy four months to transfer your balances to get the intro rate, and after the promo period you’ll qualify for a 13.24% to 23.24% APR. This card also has no annual fee.

Santander SphereSantander Sphere Credit Card

Out of all the credit cards on our list, the Santander Sphere Credit Card takes the prize for longest 0% APR promotion. You’ll receive a 0% APR for 24 billing cycles (and 12.74% to 22.74% after that) on balance transfers you make within the first 90 days. There is a similar intro rate on purchases but it is limited to 12 months. Transfer your debt within 90 days to get the intro rate.
Barclaycard Arrival PlusBarclaycard Arrival Plus World Elite Mastercard
Though the Barclaycard Arrival Plus offers a decent 12 month 0% APR promotion, that’s not the primary reason it’s a great balance transfer card. It’s because the Arrival Plus is hands-down one of the best travel cards you can find anywhere with 40,000 bonus miles awarded after $3,000 in purchases made, then 2x miles on all purchases and 5% miles back each time you redeem. Not only will you get a solid balance transfer promotion, but you’ll also receive travel miles through regular spending that you can use as statement credit (just be sure to factor in the card’s $89 annual fee starting the second year).

BankamericardBankAmericard Credit Card

The BankAmericard offers an attractive 0% APR for 18 billing cycles on balance transfers made within the first 60 days. You’ll also potentially receive a balance transfer revert rate of as low as 11.24% (or as high as 21.24%). Take note there is no introductory promotional rate on purchases, and there’s also no annual fee for this card.
US Bank PlatinumU.S. Bank Visa Platinum Credit Card
The U.S. Bank Visa Platinum Credit Card offers 0% APR for a respectable 12 months. It has the potential for a 10.24% revert rate; however, that makes this card far more attractive. To get that rate, you’ll need stellar credit when applying for the card.
Blue Cash Everyday American ExpressBlue Cash Everyday Card
The Blue Cash Everyday Card from American Express offers a solid 0% APR for 12 months on balance transfers and purchases (afterward, 13.24% to 23.24%). Perhaps more enticingly, it offers these perks:

  • Earn $100 back when you spend $1,000 within the first 3 months.
  • Earn 10% back on purchases you make within the first 6 months (earn up to $200).
  • 3% cash back at U.S. supermarkets (up to $6,000 a year; afterward, 1% cash back).
  • 2% cash back at U.S. gas stations.
  • 1% cash back on everything else.

That’s a great suite of features, especially considering the decent balance transfer intro APR and $0 annual fee.

Pros and Cons of Best Balance Transfer Cards

Before applying for a balance transfer card, take a look at the positives and negatives of owning one:


  • Generous 0% APR promotions. A good balance transfer card will give you a 0% interest rate on transfers for a long period of time. This will give you ample time to pay off your balance.
  • Potential rewards and card perks. Depending on your needs, you might be able to find a card that offers perks like travel rewards or cash back in addition to a 0% APR promotion.


  • Potential lack of perks. Balance transfer cards that offer attractive 0% promotional APRs sometimes do so to the exclusion of perks and rewards.
  • Potentially high revert rates. It’s a good idea to pay off your balance before your 0% APR expires. That’s because any balance you still have after your APR promotion ends may be charged a high interest rate.

What you need to apply for a balance transfer card

To apply for a balance transfer card, you’ll need to provide different information depending on which provider you’re applying with. Generally, you should have the following information ready:

  • Driver’s license and Social Security number.
  • Personal details. Have personal details ready (your residential address, phone number, email address, etc.) for your application.
  • Financial details. You will also need to provide details like employment information and total annual income.

What credit score do I need?

Usually, credit card providers only want to take on your debt via balance transfers if they’re reasonably certain you’ll pay off that debt. That said, they’ll typically require strong credit for balance transfer cards. Consider applying for a balance transfer card only with a credit score that’s good or better (700+).

Balance transfer calculator

Your current credit cards:

Amount Owing


Card 1

Card 2

Card 3

Card 4

Card 5

Card that you are transferring to:

Intro APR

Intro Term (months)

Ongoing APR

Balance Transfer Fee

Annual Fee

Your monthly repayment

At this rate, you will not pay off your debt.
At this rate you will pay off your debt during the card's intro period

At that rate you will not pay off your debt. You will need to make higher repayments.

Months that it will take you to pay off your debt:

With a balance transfer
12 months

Without a balance transfer
15 months

Money saved transferring debt to a balance transfer card:

Savings = $1,000

By moving forward with a balance transfer credit card and transferring the maximum amount, you could be saving $1,000 on fees and interest charges.
You will save an infinite amount of money as you will not pay off your debt on your current cards at that rate.
In this case, a balance transfer card is not the best option. You might want to consider a personal loan to help consolidate your debt. You can find out more here.
Disclaimer: Whilst every effort has been made to ensure the accuracy of this calculator, the results should be used as indication only. Certain assumptions have been made around the repayments made. This calculator is neither a quote nor a pre-qualification for a credit card

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