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 18 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 18 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.
  • 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 16.24% to 26.24% 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: 15.24%, 21.24%, or 25.24%, 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 15.24% to 25.24% 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 16.74%, 20.74%, or 24.74% depending on your credit history.