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Explore the best balance transfer credit cards with zero interest offers. Choose wisely for enhanced financial flexibility and optimal benefits.
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Rewards Rate:
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time
Plus, for a limited time, earn 5% total cash back on hotel, car rentals, and attractions booked on the Citi Travel℠ portal through 12/31/24
Welcome Bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back
Intro APR: 0% intro APR for 18 months on balance transfers
Rewards Rate:
3% cash back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%
3% cash back on U.S. online retail purchases, on up to $6,000 per year, then 1%
3% cash back at U.S. gas stations, on up to $6,000 per year, then 1%
Welcome Bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months
Intro APR: 0% intro APR on purchases and balance transfers for 15 months from the date of account opening
Terms Apply, See Rates & Fees
Rewards Rate:
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Unlimited 1.5% cash back on all other purchases
Welcome Bonus: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year)
Intro APR: Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%
Rewards Rate:
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores and 1% on all other purchases
Welcome Bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Intro APR: 0% APR on purchases for 15 months
Rewards Rate:
Earn 2X ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1X Points thereafter
Earn 1X ThankYou® Points on all other purchases
Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025
Welcome Bonus: Earn 20,000 bonus points after spending $1,500 within the first 3 months of account opening
Intro APR: 0% intro APR for 15 months on purchases and balance transfers
Rewards Rate:
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter
Also, earn unlimited 1% cash back on all other purchases
Welcome Bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back
Intro APR: 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24%-29.24%, based on your creditworthiness
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In the digital finance age, finding the best balance transfer cards has never been easier. Applying online offers you the convenience to sift through numerous balance transfer credit card offers, allowing you to make an informed choice. Whether you're looking for a balance transfer credit card with a no-fee option or a card with the longest 0-interest balance transfer period, there are many options for you to choose from.
The spectrum of balance transfer cards is broad, but choosing the right one boils down to your financial situation and goals:
Duration of 0% APR: The best credit cards for balance transfers often come with a 0 APR balance transfer period. Assess how long you'll need to pay off your debt and choose a card that offers that duration.
Transfer Fees: While options exist for a zero percent balance transfer with no fee, some cards may charge a certain percentage of the amount being transferred.
Post-Promotional Interest Rates: After the initial 0 balance transfer credit card offer ends, interest rates can soar. It's essential to be aware of the post-promotional rates.
Navigating the intricacies of credit card balance transfer offers is simpler when you're armed with the basics:
Purpose: The primary goal of a balance transfer credit card is to consolidate high-interest debt onto a card offering lower (often 0%) interest, saving you money and simplifying payments.
Transfer Limits: There might be limits to how much you can transfer. Always check these before applying.
Application Impact: Applying for multiple transfer balance credit cards quickly might impact your credit score.
How does a credit card balance transfer work?
A credit card balance transfer involves moving your debt (balance) from one or more credit cards to another card, typically one with a lower interest rate or promotional offer.
Are there cards that offer a zero-interest balance transfer with no fees?
Yes, some of the best balance transfer credit cards offer 0% interest periods and no transfer fees. However, it's crucial to read the terms and conditions.
Can transferring balances negatively affect my credit score?
While a single transfer can temporarily dip your score due to a credit inquiry, consolidating and paying down debt can positively impact your credit over time.
By researching and understanding the best credit cards for balance transfers, you can make informed decisions that pave the way for a clearer financial future. With the right card, you're not just transferring a balance; you're transferring toward financial freedom.
Bank of America
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
