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.

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.
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BankAmericard Cash Rewards™ Credit Card

  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.74% - 23.74% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0* 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days* 0% Intro APR for 12 billing cycles on purchases 13.74% - 23.74% Variable APR on purchases Cash Back 4

Blue Cash Everyday® Card from American Express

  • Limited Time Offer: Apply by 5/3/17 – Earn 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back.
  • Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Everyday Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.74% to 23.74%, based on your creditworthiness and other factors.
  • 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 12 months 0% for 12 months* 13.74%-23.74% Variable Cash Back 12

Blue Cash Preferred® Card from American Express

  • Limited Time Offer: Apply by 5/3/17 – Earn 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back.
  • Plus, earn $150 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • $95 Annual Fee. 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.74% to 23.74%, based on your creditworthiness and other factors.
  • 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% for 12 months* 13.74%-23.74% Variable Cash Back 3

The Amex EveryDay® Credit Card from American Express

  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® points for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.74% to 23.74%, based on your creditworthiness and other factors.
  • 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 12 months 0% for 12 months* 13.74%-23.74% Variable Other 1

Chase Slate®

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0 0% for 15 months 0% for 15 months* 15.74% - 24.49% Variable None 2

Chase Freedom Unlimited℠

  • 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 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash — any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Consumer $0 0% for 15 months 0% for 15 months* 15.74% - 24.49% Variable Cash Back 3

The Amex EveryDay® Preferred Credit Card from American Express

  • Earn 15,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Use your Card 30 or more times on purchases in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® points for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.74% to 23.74%, based on your creditworthiness and other factors.
  • 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% for 12 months* 13.74%-23.74% Variable Other Be the first to write one

The Hawaiian Airlines® World Elite MasterCard®

  • Earn 35,000 bonus miles after you spend $1,000 on purchases in the first 90 days
  • Enjoy a complimentary 1st checked bag for the primary cardmember when you use your card to purchase eligible tickets directly from Hawaiian Airlines
  • Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines
  • Earn 2X miles on eligible purchases made directly from Hawaiian Airlines
  • Earn 1X miles on all other purchases with no mileage caps
  • No blackout dates plus access to discounted award flights on Hawaiian Airlines
  • No foreign transaction fees on purchases made in another country
  • 0% introductory APR for 15 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, 16.74%, 20.74% or 25.74% based on your creditworthiness
  • Get $100 off a companion ticket for roundtrip coach travel between Hawaii and North America at each account anniversary
  • Earn 5,000 annual bonus miles after spending $10,000 or more in purchases by your account anniversary
  • Chip card technology, so paying for your purchases is easier and more secure
  • Enjoy bonus miles at select partners
  • Special perks like 24/7 Concierge Service, lost luggage reimbursement, travel assistance services, car rental protection, unique experiences and VIP events
  • Annual fee is $89/year
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $89* 0.00% for 15 Billing Cycles* N/A 16.74%* - 25.74% (Variable)* Airlines Be the first to write one
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