The Ultimate Guide to Credit Cards
Monday, March 8, 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.

U.S. Bank Visa® Platinum Card Review

at the issuer'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
4.8

OVERALL RATING

4.6/5.0
  • For a limited time, get a special 0% introductory APR on purchases and balance transfers for 20 billing cycles, then a variable APR applies
  • Enjoy Cell Phone Protection Coverage when you pay your monthly cellular bill with your U.S. Bank Visa® Platinum 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 Protections 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 20 billing cycles
0% for 20 billing cycles
14.49% - 24.49% Variable
$0
Excellent Credit

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

0% BALANCE TRANSFER RATING

★★★★★
4.7

OVERALL RATING

4.8/5.0
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • No foreign transaction fee
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
N/A
15.49% - 25.49% (Variable)
$0
Excellent, Good

0% BALANCE TRANSFER RATING

★★★★★
4.6

OVERALL RATING

4.8/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent

0% BALANCE TRANSFER RATING

★★★★★
4.6

OVERALL RATING

4.8/5.0
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
N/A
15.49% - 25.49% (Variable)
$0
Excellent, Good
Wells Fargo Platinum Card Review

at the issuer'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
4.6

OVERALL RATING

4.6/5.0
  • Introductory 0% APR offers for 18 months from account opening on purchases and balance transfers (balance transfer fee applies), then a variable APR applies
  • Account protection features such as Zero Liability protection for promptly reported unauthorized transactions, alerts, and cell phone protection
  • My Money Map – tools to help you manage spending and create a budget with ease
  • Access to your FICO® Credit Score with Wells Fargo Online®
  • Overdraft Protection by linking your credit card to your Wells Fargo checking account, finance charges apply
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 18 months
0% for 18 months
16.49% - 24.49% Variable
$0
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 and balance transfers (balance transfer fee applies), then a variable APR applies
  • Get free access to your FICO® score online
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated 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.
  • 24/7 access to customer service representatives
  • Enjoy the flexibility to choose the payment due date that works best for you - the beginning, middle or end of the month
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
Wells Fargo Cash Wise Visa® Card Review

at the issuer'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
4.5

OVERALL RATING

4.6/5.0
  • Earn a $150 cash rewards bonus when you spend $500 in purchases in the first 3 months
  • Unlimited 1.5% cash back on purchases, and cash rewards do not expire as long as the account is open
  • Introductory 0% APR offer on purchases and balance transfers for 15 months from account opening (balance transfer fee applies), then a variable APR applies
  • Account protections such as 24/7 Fraud Monitoring, Alerts, and Zero Liability protection for promptly reported unauthorized transactions
  • Cell Phone Protection helps protect your cell phone from damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo consumer credit card
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
14.49% - 24.99% Variable
$0
Good/Excellent
Wells Fargo Rewards® Card Review

at the issuer'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
4.5

OVERALL RATING

4.4/5.0
  • Earn 5x rewards points earned for up to $12,500 spent on gas, grocery, and drugstore purchases for the first 6 months and 1x points on other purchases - points expire after 5 years
  • Introductory 0% APR offers on purchases and balance transfers for 15 months from account opening (balance transfer fee applies), then a variable APR applies
  • Flexibility to use points toward travel, gift cards, merchandise, cash redemption, and more
  • Account protection features such as Zero Liability protection for promptly reported unauthorized transactions, card and account activity alerts, and cell phone protection
  • Travel accident insurance along with travel and emergency assistance services
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
12.49% - 25.49% Variable
$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

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
  • 0% Intro APR for 12 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 12 billing cycles
0% Intro APR for 12 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.

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 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.