The Ultimate Guide to Credit Cards
Wednesday, September 22, 2021

12 Best — Credit Card “Balance Transfer” Offers (0% Interest up to 18 Mo.)

Best Credit Card Balance Transfer Offers

credit card advice

Ashley Dull
By: Ashley Dull
Updated: October 29, 2019
Advertiser Disclosure

The average American carries $4,717 of credit card debt with an interest rate around 15%. If you’re one of these Americans and only pay the minimum payment each month, it’ll take you 10 years to pay your debt off. What’s even scarier is you’ll have paid $22,869 by the time it’s said and done.

There is a silver lining, though. A balance transfer credit card allows you to transfer your existing balance from one card to another that won’t charge interest on your transferred balance – and sometimes on any new purchases – for the promotional period, some as long as 18 months. This can save you a LOT of money. In the above scenario, $18,155 to be exact, if you’re able to pay off your balance during the no-interest period and don’t rack up new debt.

You have to be mindful of transfer fees, however, along with a few other considerations. So let’s take a look at some of our top choices for best credit card balance transfer offers available for consumers today. Use the links below to jump to our top picks in each balance transfer card category.

Top 0% Offers | Fair Credit Offers | No Fee

Compare the Top 0% Balance Transfer Offers

Below are the rest of our experts’ favorite balance transfer cards with the details of each listed out so you can easily compare the top offers. Always check the terms and details of a card to ensure you’re getting the best offer for you.

Wells Fargo Platinum card Review

at the issuer'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
4.8

OVERALL RATING

4.7/5.0
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 Annual Fee
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • Select "Apply Now" to learn more about the product features, terms and conditions
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% intro APR for 18 months from account opening
0% intro APR for 18 months on qualifying balance transfers
16.49%-24.49% (Variable)
$0
Good/Excellent

0% BALANCE TRANSFER RATING

★★★★★
4.7

OVERALL RATING

4.8/5.0
  • Earn cash back twice! Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness. Balance Transfers do not earn cash back and will have a fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • 24/7 access to customer service representatives
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% for 18 months
13.99% - 23.99% Variable
$0
Excellent/Good
BankAmericard® Credit Card Review

at Bank Of America'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
4.6

OVERALL RATING

4.6/5.0
  • Earn $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of your account opening
  • 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days, then a variable APR will apply
  • An optional overdraft protection service is available to help prevent declined purchases, returned checks or other overdrafts when you link your eligible Bank of America® checking account to your credit card. Transfer fees may apply.
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 18 billing cycles
0% Intro APR for 18 billing cycles (for balance transfers made in the first 60 days)
12.99% - 22.99% (Variable)
$0
Excellent/Good

0% BALANCE TRANSFER RATING

★★★★★
4.6

OVERALL RATING

4.7/5.0
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% intro APR offers on both purchases and balance transfers (balance transfer fee applies), then a variable APR applies
  • Choose a payment due date that works best for you — beginning, middle, or end of the month
  • Stay protected against identity theft with Citi® Identity Theft Solutions
  • $0 liability on unauthorized charges
  • 24/7 access to customer service representatives - save time, just say "representative" when you call, to enjoy fast, personal help
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 18 months
0% for 18 months
14.74% - 24.74% (Variable)
$0
Excellent, Good

0% BALANCE TRANSFER RATING

★★★★★
4.6

OVERALL RATING

4.6/5.0
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% 18 months on Purchases and Balance Transfers
0% 18 months on Purchases and Balance Transfers
13.74% - 23.74% (Variable)
$0
Excellent, Good
Wells Fargo Active Cash℠ Card Review

at the issuer'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
4.5

OVERALL RATING

4.8/5.0
  • New! Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card
  • Select "Apply Now" to learn more about the product features, terms and conditions
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% intro APR 15 months from account opening
0% intro APR 15 months from account opening
14.99%-24.99% Variable APR
$0
Good/Excellent

0% BALANCE TRANSFER RATING

★★★★★
4.5

OVERALL RATING

4.6/5.0
  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR Period 15 months on Purchases and Balance Transfers
0% Intro APR Period 15 months on Purchases and Balance Transfers
13.49% - 23.49% Variable
$0
Excellent, Good
TD Double Up℠ Credit Card Review

at the issuer'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
4.5

OVERALL RATING

4.1/5.0
  • Earn up to 2% Cash Back Rewards when you redeem into an eligible TD Bank Deposit Account
  • Bonus Cash Back: Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening
  • 0% introductory APR balance transfers for the first 15 billing cycles after account opening. After that, 14.99%, 19.99% or 24.99% variable APR based on your creditworthiness.
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% for 15 months
14.99%, 19.99%, or 24.99%
$0
Good/Excellent
NFL Extra Points Credit Card Review

at the issuer'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
4.5

OVERALL RATING

4.0/5.0
  • Earn 10,000 bonus points after spending $500 on purchases in the first 90 days
  • Earn 2X points on NFL and team purchases and 1X points on all other purchases
  • 0% introductory APR for 15 billing cycles on balance transfers made within 45 days of account opening, then a variable APR applies
  • Special ticket financing: 0% promotional APR for 6 billing cycles on eligible NFL ticket purchases, then a variable APR applies
  • Enjoy 20% off at NFLShop.com
  • Redeem points for exclusive NFL experiences, game tickets, NFLShop.com purchases, gift cards, or cash back
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% for 15 billing cycles
15.99%, 20.99%, or 25.99% variable, based on your creditworthiness
$0
Good
FRONTIER Airlines World Mastercard® Review

at the issuer'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
4.5

OVERALL RATING

4.0/5.0
  • Earn 50,000 bonus miles after spending $500 on purchases and paying the annual fee in full, both within the first 90 days
  • Earn 5X miles on eligible purchases at flyfrontier.com, 3X miles on restaurant purchases, and 1X miles on all other purchases
  • 0% intro APR for 15 months on balance transfers made within 45 days of account opening (3% balance transfer fee applies), then a variable APR applies
  • Earn a $100 flight voucher every account anniversary after spending $2,500 or more on purchases with your card during your card membership year
  • Cardmembers enjoy Zone 2 priority boarding
  • $0 introductory annual fee for the first year; $79 annual fee thereafter
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% for 15 billing cycles
15.99%, 19.99%, or 24.99% variable, based on creditworthiness
$0 intro; $79 thereafter
Good

+See more balance transfer offers

Balance Transfer Offers for Fair Credit (651-700 Credit Score)

While most balance transfer offers are designed for those with good credit (700+), there are a handful of cards for those with lesser credit scores that still offer a reduced interest rate for a promotional period. Many fair credit balance transfer offers are for students with limited credit history, such as the ones listed below.

Discover it® Student chrome Review

at Discover Card'ssecure website

0% BALANCE TRANSFER RATING

0.0

OVERALL RATING

4.0/5.0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
12.99% - 21.99% Variable APR
$0
Fair/New to Credit
Discover it® Student Cash Back Review

at Discover Card'ssecure website

0% BALANCE TRANSFER RATING

0.0

OVERALL RATING

4.5/5.0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
12.99% - 21.99% Variable APR
$0
Fair/New to Credit

The promotional period tends to be shorter and interest is still charged on these cards, but you’ll be reducing your interest costs for at least six months, which can be of nice assistance to getting your debts paid off — just be sure the transfer fee doesn’t outweigh the savings.

Only a Few Cards Offer No Fee

Although your local credit union might offer a decent balance transfer credit card without charging a pricey transfer fee, most big banks aren’t so generous. Ranging from 3% up to 5% of the total transferred amount, balance transfer fees are not only expensive, but they can also limit the amount you can transfer.

That said, you’re not entirely without options if you want a balance transfer without the fee. However, most no-fee cards from major banks will also be no-frills — no purchase rewards, no signup bonus, no travel perks.

BankAmericard® Credit Card Review

at Bank Of America'ssecure website

BEST OVERALL RATING

★★★★★
4.6

OVERALL RATING

4.6/5.0
  • Earn $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of your account opening
  • 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days, then a variable APR will apply
  • An optional overdraft protection service is available to help prevent declined purchases, returned checks or other overdrafts when you link your eligible Bank of America® checking account to your credit card. Transfer fees may apply.
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 18 billing cycles
0% Intro APR for 18 billing cycles (for balance transfers made in the first 60 days)
12.99% - 22.99% (Variable)
$0
Excellent/Good

This card has a solid balance transfer intro-APR offer and no fee on transfers made within the first 60 days of account opening. With no other benefits, however, it may not hold much value after your balance is paid.

Beat Interest Payments with a Balance Transfer Card

A balance transfer card just might be the tool you need to help you get out of credit card debt, but this only works if you’re a responsible spender and do not accrue more debt. If you don’t pay your balance by the time the promotional period ends, your remaining amount due will incur the regular annual percentage rate (APR). You may want to set an email alert or another reminder to let you know when the end of the promotional period is approaching. Once you’re debt-free, it’s best to keep the account open, make charges as necessary, and pay the balance in full each month.

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CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation from many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across the site (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.