Best balance transfer cards with 0% intro APRs |

Balance Transfer Credit Card Finder

Let’s deal with your credit card debt. Move your existing debt to a new balance transfer card at a lower interest rate.

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Best balance transfer credit cards

Best balance transfer card for everyday: Blue Cash Everyday® Card from American Express

Most balance transfer credit cards aren’t geared for much more than balance transfers. With this card, you may be able to get everyday value with responsible use, even after you pay off your balance transfer.

Best balance transfer card for low ongoing interest: HSBC Gold Mastercard® credit card

While there are a few cards with potentially lower ongoing APR, those cards don’t pack the fee-free value and simplicity of the HSBC Gold Mastercard® credit card. Plus, the 0% APR period on this credit card is quite lengthy at 18 months.

Best balance transfer card for an intro balance transfer fee: Chase Slate® credit card

Chase Slate® credit card
Pay a balance transfer fee of $0 when you complete the transfer within 60 days of your account opening. On top of no balance transfer fee, you can also enjoy intro APRs for both balance transfers and purchases.

Best balance transfer card for a long 0% intro APR: Citi Simplicity® Card

Citi Simplicity® Card
With the longest balance transfer intro APR offer on the market, this card provides plenty of time to pay down your debt without garnering interest. You’ll also benefit from not having to shell out for an annual fee.

Best balance transfer card for 0% intro balance transfer and unlimited cash back: Citi® Double Cash Card

Citi® Double Cash Card
A lengthy balance transfer intro APR makes this card an easy pick for best in its category. On top of the interest-free period, it offers cashback on new purchases and a low balance transfer fee.


Current credit cards on the market with balance transfer offers were evaluated primarily based on the length of balance transfer intro APR and balance transfer fee costs. Secondary factors that were considered include purchase intro APR offer availability and length, standard APR, annual fee, additional benefits and rewards programs.

Our pick for balance transfers

HSBC Gold Mastercard® credit card

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
  • No penalty APR.
  • Late fee waiver.
  • No foreign transaction fees.
  • $0 annual fee.
  • $0 liability for unauthorized purchases.
  • Terms apply.
  • See rates & fees
Read less
Read more

Compare balance transfer cards

Name Product Balance Transfer APR Balance Transfer Fee Recommended Minimum Credit Score Amount Saved Filter values
0% intro for the first 15 months (then 15.24% to 26.24% variable)
$5 or 3% of the transaction, whichever is greater
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
0% intro for the first 18 months (then 13.24%, 17.24% or 21.24% variable)
$10 or 4% of the transaction, whichever is greater
An 18 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
0% intro for the first 15 months (then 15.24% to 26.24% variable)
$5 or 3% of the transaction, whichever is greater
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
0% intro for the first 12 months (then 15.24%, 19.24% or 25.24% variable)
$10 or 4% of the transaction, whichever is greater
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
0% intro for the first 12 months (then 15.24% to 26.24% variable)
$5 or 3% of the transaction, whichever is greater
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees

Compare up to 4 providers

Let’s break down how balance transfers work.

A balance transfer credit card allows you to move your existing debt — other card balances, medical payments, student debt and even personal loans — to a new card with a lower rate, sometimes as low as 0%. Lower rates typically run for 6 to 18 months, after which the interest reverts to a higher rate.

During that introductory period, you can make serious headway in paying down your debt with the bonus of simplifying your many bills to just one.

You’re typically required to pay a one-time fee to transfer your balance with these cards, often a percentage of the amount you’re transferring to the new card. These fees are often added to the amount you transfer to the new card, rather than paid as a separate fee. You may also be on the hook for an annual fee.

Still, a lower APR can result in significant savings.

Compare balance transfer cards by credit card issuer

Click any company logo below to compare more credit cards from that brand.

AMEX logo Bank-of-America-Logo Barclaycard-Logo
Capital-One-Logo Chase-Logo Citi credit cards logo
Discover provider logo Penfed Card provider logo TD Bank provider logo
US Bank provider logo USAA provider logo Wells Fargo Card provider logo

How much money do I save? How much does it cost?

A number of factors need to be considered when figuring how much a balance transfer can save you versus how much it costs. Luckily, it can be broken down into a few simple steps:

  1. Find out how much it would cost without a balance transfer.
    Calculate the amount of interest you’ll pay without transferring the balance. For a balance of $4,000 with an interest rate of 19% and a monthly payment of $300, you would spend about $525 in interest payments and it would take 15 months to pay off your debt.
  2. Calculate how much the balance transfer would cost.
    Typically, a balance transfer fee runs between 3% and 5% of the amount being transferred. Check the card you’re transferring to for its specific balance transfer fee. Let’s say you’re transferring your $4,000 balance to a card with a 5% balance transfer fee. That would add $200 to your debt, making your total transferred amount $4,200.
  3. Figure out how long of an intro period you need to pay off your debt.
    Once you have the full amount you’re transferring, you can find out how much time you need to pay it off without interest. For your $4,200, you would need 14 months to pay off the balance without interest. Thankfully, there are balance transfer cards with 15-, 18- and 21-month intro APR periods.
  4. Determine what will save you more.
    A card with a higher balance transfer fee may also come with a longer introductory APR. However, you may not need as long to pay off your debt if you have a lower balance or are able to put more toward the balance each month. Be sure to take into account that not paying your debt off before the intro period ends means having to pay interest on it again. If that interest rate is higher than your last, you could be worse off. Budget honestly to avoid getting trapped in a debt cycle.

To help you through this process, use our balance transfer calculator to find out how much you could save by making a transfer.

Balance transfer calculator

To use the calculator:

  1. Fill out your current credit card information by inputting the balance and APR on each line below. If you know the details about the card you’re transferring to, fill those out to see how much you’ll save.
  2. We’ll input some default values for you if you don’t have a specific card in mind.
  3. Hit “calculate” to see your savings.
Card #1

Card that you are transferring to:

Disclaimer: While 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 prequalification for a credit card.

Bottom line

Balance transfers can be a good way to make a dent in your debt when high interest charges are eating away at your payments. Before you apply, make sure the switch will save you time and money.

Find the right balance transfer card for your financial situation by thoroughly comparing your options.

Back to top

Related Posts

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site