0% Balance Transfer Credit Cards



Looking to transfer your existing credit card balance to a low annual percentage rate or 0% annual percentage rate card in order to save on costly interest rates? Below, you can kick off your research of smart credit card transfer options on the right foot by reading through our listing of credit card applications that revolve primarily around transferring your existing balance with minimal hassle, or increased additional rates. In addition to helping to subsidize your existing credit card contract's balance transfer fees or similar penalizing factors, you can survey a list of credit card offers that emphasize rewards for those who have cultivated good or excellent credit with their current credit card provider, in addition to a number of featured cards that often will provide key incentives to those looking to transfer over a balance in good standing.


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Avianca Vida Visa® Card

  • 20,000 Bonus LifeMiles after first card use
  • Earn 2 LifeMiles per $1 spent on Avianca purchases
  • Earn 1 LifeMile per $1 spent on all other purchases
  • 15% discount on purchases of miles with Multiply Your Miles
  • No cap on the number of LifeMiles you can earn
  • 0% Introductory offer for 12 months on Balance Transfers
  • You must be an Avianca LifeMiles member to apply
  • If you are not already a LifeMiles member, create your account here: www.lifemiles.com
  • Chip-enabled card provides added security
  • Auto Rental Collision Damage Waiver
  • Travel Accident Insurance
  • Protection against unauthorized charges
  • Emergency Card Replacement
  • Online Account Management
  • Electronic Statements
  • Auto-pay option
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer 59 0% introductory APR for the first 12 months. Applies to transfers made within the first 90 days from account opening. After that, your APR will be from 13.24% to 26.24%, based on your creditworthiness N/A 13.24% to 26.24%, based on your creditworthiness Airlines Be the first to write one

Luxury Card™ Mastercard® Titanium Card™

  • Patented brushed stainless steel front and carbon back—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions.
  • 1% value for cash back redemptions.
  • 24/7 Luxury Card Concierge®—Available by phone, email, and live mobile chat.
  • Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
  • Members-only LUXURY MAGAZINE®.
  • Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
  • Annual fee: $195 ($95 for each Authorized User).
  • Earn one point for every one dollar spent.
  • Terms and conditions apply.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Consumer $195 ($95 for each Authorized User added to the account) 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. N/A 16.49% Flexible Options Be the first to write one

Luxury Card™ Mastercard® Black Card™

  • Patented black PVD metal card—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions.
  • 1.5% value for cash back redemptions.
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat.
  • Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
  • Up to $100 annual airline credit and $100 Global Entry and TSA Pre-Check application fee credit.
  • Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
  • Annual fee: $495 ($195 for each Authorized User).
  • Earn one point for every one dollar spent.
  • Terms and conditions apply.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Consumer $495 ($195 for each Authorized User added to the account) 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. N/A 16.49% Flexible Options Be the first to write one

Luxury Card™ Mastercard® Gold Card™

  • Patented 24K-gold-plated stainless steel front and carbon back—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions.
  • 2% value for cash back redemptions.
  • 24/7 Luxury Card Concierge®-available by phone, email, and live mobile chat.
  • Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
  • Up to $200 annual airline credit and $100 Global Entry application fee credit.
  • Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
  • Annual fee: $995 ($295 for each Authorized User).
  • Earn one point for every one dollar spent.
  • Terms and conditions apply.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Consumer $995 ($295 for each Authorized User added to the account) 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. N/A 16.49% Flexible Options Be the first to write one

American Express Cash Magnet® Card

  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • Low intro APR: 0% for 15 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%.
  • 0% introductory plan fee on each purchase moved into a plan during the first 15 months from the date of account opening with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee. After that, your plan fee will be up to 1.17% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase.
  • Don’t wait for your Card in the mail. Start earning cash back before your Card even arrives, if eligible for Instant Card Number.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Consumer $0 0% on balance transfers for 15 MONTHS 0% on purchases for 15 months 12.99%-23.99% Variable Cash Back Be the first to write one

Blue Cash Everyday® Card from American Express

  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%.
  • Don't wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
  • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0 0% on balance transfers for 15 months 0% on purchases for 15 months 12.99%-23.99% Variable Cash Back 14

Blue Cash Preferred® Card from American Express

  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
  • Don't wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
  • Low intro APR: 0% for 12 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $95 0% on balance transfers for 12 months 0% on purchases for 12 months 12.99%-23.99% Variable Cash Back 3

Avianca Vuela Visa® Card

  • 40,000 Bonus LifeMiles after first card use
  • Earn 3 LifeMiles per $1 spent on Avianca purchases
  • Earn 2 LifeMiles per $1 spent at gas stations and grocery stores
  • Earn 1 LifeMile per $1 spent on all other purchases
  • No foreign transaction fees
  • 15% discount on purchases of miles with Multiply Your Miles
  • Free additional piece of baggage for travel between the United States and Central America
  • A 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $12,000 spent each year
  • An additional 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $24,000 spent each year
  • 0% Introductory offer for 12 months on Balance Transfers
  • You must be an Avianca LifeMiles member to apply
  • If you are not already a LifeMiles member, create your account here: www.lifemiles.com
  • Chip-enabled card provides added security
  • Auto Rental Collision Damage Waiver
  • Travel Accident Insurance
  • Protection against unauthorized charges
  • Emergency Card Replacement
  • Online Account Management
  • Electronic Statements
  • Auto-pay option
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer 149 0% introductory APR for the first 12 months. Applies to transfers made within the first 90 days from account opening. After that, your APR will be from 13.24% to 26.24%, based on your creditworthiness. N/A 13.24% to 26.24%, based on your creditworthiness Airlines Be the first to write one

Amalgamated Bank of Chicago Union Strong Credit Card

  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 10.75% (V), based on your creditworthiness.
  • Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel,
  • and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0* 0.00% for 12 months* 0% for 12 months* 10.75% (Variable)* Flexible Options Be the first to write one

ABOC Platinum Rewards Mastercard® Credit Card

  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% - 24.40%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee or Foreign Transaction Fee
  • Select Your Rewards Your Way
  • No Foreign Transaction Fee
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0* 0.00% for 12 months* 0% for 12 months* 14.40%* - 24.40% (Variable)* Flexible Options Be the first to write one


Lack of annual fees, upgraded cash back rewards, and lower regular annual percentage rates are just a few of the perks you can expect to enjoy after successfully transferring to many of the cards featured below-- just be sure to weigh all of your needs and expectations across our credit card applications below to ensure that you enact your balance transfer with the most important personal finance or business factors in mind.