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.

The Wells Fargo Propel American Express® Card offers 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – a $200 cash redemption value. You'll earn 3X points for: • eating out and ordering in • gas stations, rideshares and transit • travel including flights, hotels, homestays and car rentals • on popular streaming services • 1X points on other purchases This card comes with no annual fee. Learn More About This Card

The Chase Freedom Unlimited® Card offers a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases. There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open. This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM. Learn More About This Card

The Ink Business UnlimitedSM Credit Card offers $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. You'll earn an unlimited 1.5% cash back on every purchase made for your business and you'll receive employee cards at no additional cost. This card carries no annual fee and you'll have the opportunity to take advantage of a 0% introductory APR for 12 months on purchases Learn More About This Card Here

The Chase Freedom® Card offers a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. You'll earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and an unlimited 1% cash back on all other purchases. You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. This card has no annual fee and you'll get a free credit score that's updated weekly with Credit JourneySM. Learn More About This Card

The Chase Ink Business CashSM Card offers $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. You'll 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, 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, & % cash back on all other card purchases with no limit to the amount you can earn. This card comes with no annual fee. You'll be able to take advantage of employee cards at no additional cost & the 0% introductory APR for 12 months on purchases. Learn More About This Card Here

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 Learn More About This Card

The Blue Cash Everyday® Card from American Express offers $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. You'll earn 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, and 1% back on other purchases. There are no annual fees with this card (See Rates & Fees). Learn More About This Card

The Wells Fargo Cash Wise Visa® Card a $150 cash rewards bonus after spending $500 in the first 3 months. You'll earn an unlimited 1.5% cash rewards on purchases. You can also enjoy earning 1.8% cash rewards on qualified digital wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening. This card comes with $0 annual fee on top of 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. Learn More About This Card

With the Wells Fargo Platinum card: Pay down balances/debt instead of interest with Wells Fargo’s longest intro APR. Check your FICO® Credit Score with Wells Fargo Online® easily and get protected with zero liability protection for reported unauthorized transactions. Benefit from convenient tools to help create a budget and manage your spending with My Money Map. On top of that, 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 using your Wells Fargo Platinum card. This card comes with no annual fee. Learn More About This Card Here

The Blue Cash Preferred® Card from American Express offers a $250 statement credit after spending $1,000 in purchases on your new Card within the first 3 months. You'll earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases. In addition, you'll earn 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses & more. The card does come with a $95 annual fee. Learn More About This Card