The Ultimate Guide to Credit Cards
Monday, November 28, 2022

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

Best Credit Card Balance Transfer Offers

credit card advice

Ashley Dull

Written by: Ashley Dull

Ashley Dull

With more than a decade of experience as a content manager and marketer, Ashley has specialized in finance coverage since 2015. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media campaigns. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among others.

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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct instructor at the University of Florida. Today, she edits all CardRates content for clarity, accuracy, and reader engagement.

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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.

Discover it® Balance Transfer Review

at Discover Card'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
5.0

OVERALL RATING

  • 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! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
0% Intro APR for 18 months
14.99% - 25.99% Variable APR
$0
Excellent/Good

0% BALANCE TRANSFER RATING

★★★★★
4.9

OVERALL RATING

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.74% - 28.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR Period 12 months on Purchases
0% Intro APR Period 21 months on Balance Transfers
17.74% - 28.49% (Variable)
$0
Excellent, Good Credit

Additional Disclosure: Citi is a CardRates advertiser.

0% BALANCE TRANSFER RATING

★★★★★
4.9

OVERALL RATING

  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 16.74% - 27.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • For a limited time earn a $150 Statement Credit after you spend $500 on purchases in the first 3 months of account opening.
  • There is a balance transfer fee of either $5 or 5% 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.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% 12 months on Purchases
0% 21 months on Balance Transfers
16.74% - 27.49% (Variable)
$0
Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

0% BALANCE TRANSFER RATING

★★★★★
4.8

OVERALL RATING

  • Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 17.99% - 26.74% on balance transfers and purchases after the introductory period ends.
  • Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
  • Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
  • All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate Edge℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 18 months
0% Intro APR on Balance Transfers 18 months
17.99% - 26.74% Variable
$0
Good/Excellent
U.S. Bank Visa® Platinum Card Review

at the issuer'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
4.8

OVERALL RATING

  • For a limited time, get a special 0% introductory APR on purchases and balance transfers for 18 billing cycles. After that, the APR is variable, currently 17.49%-27.49%.
  • Enjoy Cellphone Protection Coverage of up to $600 annually when you pay your monthly cellphone bill with your card
  • View your credit score anytime, anywhere in the mobile app or online banking. It's easy to enroll, easy to use, and free to U.S. Bank customers.
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Choose your payment due date
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 18 billing cycles
0% for 20 billing cycles
17.49% - 27.49% Variable
$0
Excellent Credit

0% BALANCE TRANSFER RATING

★★★★★
4.8

OVERALL RATING

  • 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 Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • 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.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% Intro APR Period 18 months on Balance Transfers
17.74% - 27.74% (Variable)
$0
Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

Chase Freedom Flex℠ Review

at the issuer'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
4.6

OVERALL RATING

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% - 26.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
17.99% - 26.74% Variable
$0
Good/Excellent

0% BALANCE TRANSFER RATING

★★★★★
4.6

OVERALL RATING

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% - 26.74%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
17.99% - 26.74% Variable
$0
Good/Excellent

0% BALANCE TRANSFER RATING

★★★★★
4.5

OVERALL RATING

  • 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 at thankyou.com
  • For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.
  • 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 17.24% - 27.24%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • 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.
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
17.24% - 27.24% (Variable)
$0
Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

Upromise® Mastercard® Review

at the issuer'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
4.5

OVERALL RATING

  • Earn $100 bonus cash back rewards after spending $500 on purchases in the first 90 days
  • Earn 1.529% Cash Back Rewards on your purchases when your account is linked to an eligible College Savings Plan
  • Earn 1.25% Cash Back Rewards on every purchase if not linked to an eligible College Savings Plan
  • Upromise Round Up lets you round up your purchases to the nearest dollar, based on the limit you set (from $1 to $500). The total Round Up Amount is considered a purchase and converted to cash back rewards.
  • 0% introductory APR for 15 months on balance transfers made within 45 days of account opening (balance transfer fee applies), then a variable APR applies
  • Free online access to your FICO® Score
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% for 15 months
17.99%, 22.99% or 27.99%, based on creditworthiness
$0
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

  • 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.
  • No credit score required to apply.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.99% - 24.99% applies.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
10.99% Intro APR for 6 months
15.99% - 24.99% 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

  • 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, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • No credit score required to apply.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.99% - 24.99% applies.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
10.99% Intro APR for 6 months
15.99% - 24.99% 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

This card is currently not available.

★★★★★
N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

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.

Advertiser Disclosure

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 for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (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.