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We have featured a list of our top picks for balance transfer credit cards. Get up to 21 months of 0% interest on purchases and balance transfers with these cards.
Citi Simplicity® Card
Benefits:
- Special Offer: 0% intro APR for 21 months from account opening on balance transfers and 12 months on purchases.
- No late fees or penalty APRs
- There is a balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for transfers completed within 4 months.
Fees: None
Credit Needed: Excellent / Good (680+)
Summary: Excellent 0% interest card for both purchases and balance transfers. The 0% for balance transfers is the longest at 21 months. 12 months 0% introductory period for purchases is also one of the best.
Citi SimplicitWells Fargo Reflect® Card
Benefits:
- Special Offer: 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers.
- Up to $600 of cell phone protection (subject to $25 deductible)
- 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when you need them.
- Balance transfers made within 120 days qualify for the intro rate and fee of 3%.
Fees: None
Credit Needed: Excellent / Good (680+)
Summary: Excellent 0% interest card for both purchases and balance transfers for up to 21 months. This is the longest current 0% introductory period.
U.S. Bank Visa® Platinum Card
Benefits:
- Special Offer: 0% intro APR for 18 months from account opening on balance transfers and purchases.
- Up to $600 protection on your cell phone ($25 deductible) against covered damage or theft when you pay your cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card.
- Choose a payment due date that fits your schedule
Fees: None
Credit Needed: Excellent / Good (680+)
Summary: Another great balance transfer card with an 18 month 0% rate on balance transfers and purchases. Not a ton of rewards here but the $600 mobile phone protection is actually very cool. Much better coverage than your mobile phone carrier for free!
Discover it® Balance Transfer
Benefits:
- Special Offer: 0% Intro APR for 15 months on purchases and balance transfers and 3% Intro fee on balances transferred by July 10, 2023.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations, up to the quarterly maximum when you activate.
Fees: None
Credit Needed: Excellent / Good (680+)
Summary: Excellent balance transfer card with an 15 month 0% rate on balance transfers. The ongoing cash back make this an excellent card.
