Best 0% Balance Transfer Credit Cards

zero-percent225 If you have a significant balance on your current credit card, it makes sense to find a new credit card that will let you transfer that balance and let it sit at a 0% interest rate while you pay it off. The credit cards below all offer a zero percent balance transfer rate for at least 15 billing cycles and have no annual fee:

  • Bank Americard VisaOur choice for the best 0% balance transfer card. Offers a 0% interest rate on balance transfers for 15 billing cycles, with No Balance Transfer Fee, provided you transfer the balance within 60 days of card opening. (There is a 3% balance transfer fee after that first 60 days.) You’ll also get a 0% rate on new purchases for the first 15 months. After 15 months the interest rate could be anywhere from 15.24% to 25.24%, depending on your credit history.
  • Amex EveryDay Credit Card – The newest American Express rewards card offers a 0% rate on balance transfers with no balance transfer fee if transfer made within 60 days of account opening. 0% rate on purchases for 15 months, too. Interest rate after the first 15 months ranges from 15.24% to 26.24% depending on your credit history.


  • Chase Slate Visa – Offers a 0% interest rate for 15 months on transferred balances, with no fee for balances transferred within 60 days. (0% rate on new purchases for 15 months, too.) Your APR on transferred balances after the first 15 months will be from 17.24% to 25.99%, depending on the rate you are approved at (which depends on your credit history). Note that the balance transfer fee bumps up to 5% after 60 days, so get it done early.
  • U.S. Bank Visa Platinum – 0% balance transfers for 20 billing cycles. The balance transfer fee is 3%. Interest rate after the first 20 cycles is 14.74% to 25.74% depending on your credit history. 0% rate on purchases for 20 billing cycles, too.
  • Wells Fargo Platinum Visa – Offers a 0% rate on balance transfers for 18 months, with a 3% balance transfer fee if transferred within 120 days of account opening (5% balance transfer fee after 120 days.). APR after the 18 months is anywhere from 13.74% to 27.74%. Also 0% interest rate on new purchases for 18 months.
  • Navy Federal Credit Union Platinum Card – This card offers a 0% interest rate on balance transfers for 12 months, which is shorter than the other cards on this list, but it makes the cut because it has no balance transfer fee. It also offers that same 0% for 12 months rate on new purchases made with the card, and an interest rate after the first year at lower rates than most, anywhere from 8% to 18% depending on your credit history. (You must be eligible to join Navy Federal Credit Union to get this card, however.)
  • Citi Simplicity Card – Offers a 0% interest rate on balance transfer for 21 months, but with a 5% balance transfer fee. The interest rate on transferred balances after the first 21 months is 16.99% to 26.99% depending on what rate you are approved at (which is based on your credit history).
  • PNC Core Visa – Offers a 0% rate on balance transfers for 15 billing cycles, but a 3% balance transfer fee applies. Also offers a 0% rate on new purchases with the card for 15 billing cycles. Standard interest rates after 15 cycles range from 12.24% to 22.24% depending on your credit history.


  • KeyBank Latitude MasterCard – Offers a 0% rate on balance transfers (and purchases too) for 15 months, but with a 3% balance transfer fee. Ongoing interest rate after the first 15 months of 12.24% to 22.24% depending on your credit history.
  • SunTrust Cash Rewards Credit Card – Offers a 0% interest rate on balance transfers for 15 months, with a 3% balance transfer fee. 0% on new purchases for 15 months, too. Interest rate after first 15 months will be anywhere from 13.49% to 23.49% depending on your credit history.
  • Capital One SavorOne Rewards Card – Offers a 0% introductory rate on balance transfers as well as a 0% rate on purchases for 15 months. There is a 3% balance transfer fee. Interest rate after the first 15 months: 16.24%, 22.24%, or 26.24%, depending on your credit history.
  • Blue Cash Everyday from American Express – Get a 0% introductory rate on transferred balances for 15 months. (3% fee on balance transfers.) 0% rate on new card purchases for 15 months also. Interest rate after the first 15 months ranges from 15.24% to 26.24% depending on your credit history.
  • Chase Freedom Unlimited – 0% interest on balance transfers for 15 months but a 3% balance transfer fee. Interest rate after the first 15 months of anywhere from 17.24% to 25.99% depending on your credit history. 0% rate on new purchases for 15 months also.
  • Chase Freedom Card – Offers a 0% interest rate on balance transfers for 15 months from card opening (15 months on purchases, too). There is a 3% balance transfer fee. Interest rate after the first 15 months of anywhere from 17.24% to 25.99% depending on your credit history.
  • Choice Privileges Visa – Reward credit card for hotel chains including Comfort Inn, Clarion, EconoLodge and more offers a credit card with a 0% balance transfer offer for 15 months, for balances transferred within 45 days of getting the card. There’s a 3% balance transfer fee. Interest rate on purchases and transferred balances after 15 months is either 17.49%, 22.24%, or 27.24%.
  • Citi Diamond Preferred Card – Offers a 0% interest rate on balance transfers for 18 months, but note the very high 5% balance transfer fee. The interest rate on transferred balances after the first 18 cycles is 15.99% to 25.99% depending on what rate you are approved at (which is based on your credit history).
  • Fifth Third Bank Truly Simple MasterCard – 0% interest rate on balance transfers for 15 months, and 0% on new purchases, too. 4% fee on transferred balances, though. Interest rate after those 15 months varies from 14.24% to 25.24%.
  • Citizens Bank Cash Back Plus MasterCard – Offers a 0% rate on balance transfers for 15 months, but a 4% fee on transferred balances. Interest rate after 15 months could be 16.99%, 20.99%, or 24.99% depending on your credit history.