Home > Credit Cards > 6 Credit Cards with 0% Balance Transfer APRs

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[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace.[DISCLOSURE: Cards from our partners are mentioned below.]

One way to save some money if you’re carrying credit card balances is to transfer the balance on one credit card with a high interest rate to another card with a lower rate. Some cards even offer 0% APRs for the first few months—potentially saving you a bunch of money in interest over the long run.

We found six cards that let you transfer a balance with no up-front APR, and many of these come with extra perks.

1. Discover it – 18 Month Balance Transfer Card

Discover it® - 18 Month Balance Transfer Offer

Apply Now
on Discover's secure website
Card Details
Intro Apr:
0% for 6 months on purchases

Ongoing Apr:
12.24% - 24.24% Variable on purchases & balance transfers

Balance Transfer:
Intro: 0% for 18 months

Annual Fee:
$0

Credit Needed:
Excellent-Good-Fair
Snapshot of Card Features
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.

Card Details +

An introductory 18-month 0% APR on balance transfers and availability to those with lower credit scores makes the Discover it credit card a good option for those trying to rebuild their creditIf you have a fair credit score, you may have a hard time getting approved for a new card to use for balance transfers. Fortunately, the Discover it credit card offers those with fair scores a chance to transfer balances with 0% APR for the first 18 months. When you activate this card, you can earn 5% cash back on up to $1,500 of purchases in qualifying categories that rotate each quarter—for example, at Target and Amazon.com (these categories must be activated). You can earn an additional 1% cash back on other purchases. You’ll also get free Social Security number monitoring that alerts you if your information is used on shady websites.

2. Chase Freedom Unlimited Card

Chase Freedom Unlimited®

Apply Now
on Chase's secure website
Card Details
Intro Apr:
0% for 15 months on purchases

Ongoing Apr:
16.24% - 24.99% Variable

Balance Transfer:
Intro: 0% for 15 months

Annual Fee:
$0

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Unlimited 1.5% cash back on every purchase – it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Card Details +

Get 0% APR on balances transfers and purchases for 15 months plus unlimited cash back rewards with the Chase Freedom Unlimited card. The Chase Freedom Unlimited credit card combines 0% APR on balance transfers and purchases for 15 months. The “unlimited” 1.5% cash back program applies to all purchases and doesn’t require you to activate it or meet a minimum purchase amount—the cash is awarded automatically. In addition, the card has no annual fee and is available to people with excellent or good credit.

3. Citi Simplicity Card

Citi Simplicity® Card - No Late Fees Ever

Apply Now
on Citi's secure website
Card Details
Intro Apr:
0% for 18 months on purchases and balance transfers

Ongoing Apr:
15.24% - 25.24%* (Variable)

Balance Transfer:
Intro: 0%* for 18 months on Balance Transfers*

Annual Fee:
$0*

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.24% - 25.24% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Card Details +

A full 21 months of 0% APR on balance transfers and purchases makes the Citi Simplicity Card an attractive option for people looking to move debt.This card has the longest 0% introductory APR of any card on this list, so if you’re looking to carry your balance transfer for an extended time, the Citi Simplicity Card is a good option. You also pay no annual fee, no late fees, and no penalty rates. The major caveat: you pay either a $5 or 3% balance transfer fee—so be wary of transferring large balances with this card.

4. Citi Double Cash Card

Citi® Double Cash Card – 18 month BT offer

Apply Now
on Citi's secure website
Card Details
Intro Apr:
N/A

Ongoing Apr:
14.74% - 24.74%* (Variable)

Balance Transfer:
Intro: 0%* for 18 months on Balance Transfers*

Annual Fee:
$0*

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

Card Details +

The Citi Double Cash Card is another no-annual-fee, 0% APR balance transfer card you can use to save money on high-interest balances. The Double Cash Card from Citi has an introductory rate that lasts for 18 months, and then you’ll move to a 14.49% to 24.49% variable APR, depending on your credit. Citi Double Cash Card also gives you twice the cash back rewards: 1% when you make a purchase and another 1% when you pay off the purchase.

5. Mastercard Black Card

Mastercard® Black Card™

Apply Now
on Luxury Card's secure website
Card Details
Intro Apr:
N/A

Ongoing Apr:
16.24% variable on purchases and balance transfers

Balance Transfer:
0% introductory APR for the first 15 billing cycles on balance transfers made in the first 45 days after account opening.

Annual Fee:
$495 for primary cardmember ($195 for each additional authorized user)

Credit Needed:
Excellent
Snapshot of Card Features
  • Stainless Steel – Patented Card Design
  • Luxury Card Rewards Program
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Luxury Gifts
  • Members-Only LUXURY MAGAZINE

Card Details +

For pristine credit holders, the Mastercard Black Card offers 0% APR balance transfers for 15-months plus lots of fancy perks. If you have a stellar credit score, you might be approved for the prestigious, stainless steel Mastercard Black Card. You won’t pay any annual interest for the first 15 months on balance transfers, but you will have to pay a hefty $495 annual fee. That fee gets you access to Mastercard’s luxury gifts, rewards, travel, and 24/7 concierge benefits and services.

6. Mastercard Gold Card

Mastercard® Gold Card™

Apply Now
on Luxury Card's secure website
Card Details
Intro Apr:
N/A

Ongoing Apr:
16.24% variable on purchases and balance transfers

Balance Transfer:
0% introductory APR for the first 15 billing cycles on balance transfers made in the first 45 days after account opening.

Annual Fee:
$995 for primary cardmember ($295 for each additional authorized user).

Credit Needed:
Excellent
Snapshot of Card Features
  • 24K-Gold Plated – Patented Card Design
  • Luxury Card Rewards Program
  • 2% Value for Airfare Redemptions
  • 2% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • $200 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Luxury Gifts
  • Members-Only LUXURY MAGAZINE

Card Details +

A luxury card for luxury shoppers, the Mastercard Gold Card is a precious metal-plated option that Donald Trump would be proud of.

Want a truly luxurious credit card experience? The Mastercard Gold Card—which is literally plated with 24-karat gold—offers the same high-end benefits of the Mastercard Black Card plus even more luxurious advantages. Like Mastercard Black Card users, you can transfer balances and carry them for up to 15-months with 0% APR. In addition, you get a $200 airline credit each year. The catch: you’ve got to have supremely excellent credit and pay the $995 annual fee.

Before you apply for any credit card, learn your credit score so you can shop for cards that you’re likely to qualify for. And you can start today—get your credit report for free from Credit.com.

The Discover it Card, Chase Freedom Unlimited Card, Citi Simplicity Card, Citi Double Cash Card, Mastercard Black Card, and Mastercard Gold Card may be offered through Credit.com product pages, and Credit.com is compensated if users apply for or enroll in any of these cards. This relationship does not result in any preferential editorial treatment.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees, and terms for credit cards, loans, and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees, and terms with credit card issuers, banks, or other financial institutions directly.

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