Best 0% APR Balance Transfer Credit Cards – August 2018

Below you will find a list of credit cards that have 0% APR on balance transfers ranging from from 12-month up to 21-month intro periods. Carrying a credit card balance can have a significant impact on your finances. If you are carrying a high balance and paying interest each month, you can save a lot of money by doing a balance transfer of your balance to a 0% intro offer credit card. It’s important to factor in the balance transfer fee of 3% of your total balance. Some cards below also have sign up bonus which can help you offset the balance transfer fee. After doing a balance transfer, simply pay the minimum each month and pay no interest for the duration of your terms. However, I highly recommend to pay off your balance by the end of your 0% intro period so you will not have to pay any more interest.

Editor’s Note: For a full list of credit cards and potential sign-up bonuses, see our full list of the best credit cards.

Balance Transfer Credit Card Tips

1. To offset balance transfer fee, you may want to pick the credit cards with sign up bonuses. After fulfilling the spending requirement to get the sign up bonus, then you can ask for the 0% balance transfer. Make sure to do it within the allowable time frame, usually within 3 months of account opening.
2. Find the best credit cards with 0% intro APR on both balance transfers and purchases. Before doing a balance transfers, always ask for a credit limit increase without a hard pull to get the maximum amount for doing a balance transfers.
3. Make sure to always pay on time and never skip any or pay them late. This is extremely important because you may lose the benefit of the 0% intro APR for late payments and will revert back to high interest rate.
4. Figure out how you can pay off your balance in full before the 0% intro APR on balance transfers expires. If you don’t, then you simply will go back into paying high interest rate again.
5. Understand the fees you will have to pay for doing a balance transfer. Most card issuers charge a balance transfer fee of 3-5% each time you do a balance transfer. It may be possible to negotiate with the BT fee or ask them for a cap. There is no hurt in trying.

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With the Wells Fargo Propel American Express® Card: -Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value -Earn 3X points for eating out and ordering in -Earn 3X points for gas stations, rideshares and transit -Earn 3X points for travel including flights, hotels, homestays and car rentals -Earn 1X points on other purchases -$0 Annual Fee -0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 14.74%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee Select "Apply Now" to learn more about the product features, terms, and conditions

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With the Chase Freedom Unlimited® Card: -0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum -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 -No minimum to redeem for cash back -Cash Back rewards do not expire as long as your account is open -Free credit score, updated weekly with Credit JourneySM -No annual fee

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With the Chase Ink Business UnlimitedSM Credit Card: -Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening -Earn unlimited 1.5% cash back on every purchase made for your business -0% introductory APR for 12 months on purchases and balance transfers -Employee cards at no additional cost -No Annual Fee

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With the Chase Freedom® Card: -0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum -Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening -Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate -Enjoy new 5% categories each quarter -Unlimited 1% cash back on all other purchases - it's automatic -Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. -Free credit score, updated weekly with Credit JourneySM -No annual fee

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With the Ink Business Cash℠ Credit Card: -Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening -Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year -Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year -Earn 1% cash back on all other card purchases with no limit to the amount you can earn -0% introductory APR for 12 months on purchases and balance transfers -Employee cards at no additional cost -No Annual Fee

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With the 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. -Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%. -$0 balance transfer fee. Balance transfers must be requested within 60 days from account opening. -2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. -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. -Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017. -No annual fee. -Terms Apply. -See Rates & Fees

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With the Blue Cash Everyday® Card from American Express: -$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, then a variable rate, currently 15.24% to 26.24%. -Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017. -Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise. -No annual fee. -Terms Apply. -See Rates & Fees

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With the Wells Fargo Cash Wise Visa® Card: -Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months -Earn unlimited 1.5% cash rewards on purchases -Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google PayTM, during the first 12 months from account opening -No category restrictions or sign ups and cash rewards don't expire as long as your account remains open -Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card -0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-28.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee -$0 Annual Fee -Select "Apply Now" to learn more about the product features, terms, and conditions

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With the Blue Cash Preferred® Card from American Express: -$200 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%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year. -3% cash back at U.S. gas stations. 1% cash back on other purchases. -Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017. -Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise. -95 annual fee. -Terms Apply. -See Rates & Fees