The Top 10 Zero APR Transfer Credit Cards to Consider

Are you tired of paying high interest rates on your credit card balance? Do you feel like you’re drowning in debt and can’t seem to make any progress? Fortunately, there is a solution to your problem: 0 APR transfer credit cards. These credit cards allow you to transfer your existing credit card balances to a new card with a 0% interest rate for a limited time. This can help you save hundreds or even thousands of dollars in interest charges and pay down your debt faster. In this article, we will explore some of the best 0 APR transfer credit cards available and help you choose the one that’s right for you. So, put down that credit card statement and let’s get started!

1. Discover it® Balance Transfer Card

The Discover it® Balance Transfer Card is an excellent option for anyone looking for a credit card with a 0% APR on balance transfers. This card offers an introductory rate of 0% APR for the first 18 months, a 3% balance transfer fee applies. After the introductory period, the APR can range from 11.99% to 22.99%.

What makes the Discover it® Balance Transfer Card stand out from other credit cards is that it offers cash-back rewards, a feature you don’t typically find with balance transfer cards. This card offers up to 5% cash back on rotating categories and 1% cash back on all other purchases.

2. Chase Freedom Unlimited®

The Chase Freedom Unlimited® is another excellent option for a 0 APR transfer credit card. It offers a 0% introductory APR on balance transfers for the first 15 months. There is a balance transfer fee of 5% or $5, whichever is greater. After the introductory period, the APR can range from 14.99% to 23.74%.

This card offers cash-back rewards on all purchases, with 1.5% cash back on all purchases. It also has a sign-up bonus of $200 after spending $500 on purchases within the first three months of opening the account.

3. Citi® Diamond Preferred® Card

The Citi® Diamond Preferred® Card offers a 0% introductory APR on balance transfers for the first 18 months. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. After the introductory period, the APR can range from 14.74% to 24.74%.

This card does not offer rewards, but it does offer perks such as free access to your FICO credit score and discounted tickets for various events through Citi® Private Pass®.

4. American Express Cash Magnet® Card

The American Express Cash Magnet® Card is an excellent option for those looking for a 0% APR transfer credit card. It offers a 0% introductory APR on balance transfers for the first 15 months. There is a balance transfer fee of 3% or $5, whichever is greater. After the introductory period, the APR can range from 13.99% to 23.99%.

This card offers cash-back rewards on all purchases with 1.5% cash back on all purchases. It also has a sign-up bonus of $150 after spending $1,000 on purchases within the first three months of opening the account.

5. Bank of America® Cash Rewards Credit Card

The Bank of America® Cash Rewards Credit Card is an excellent option for anyone looking for a 0% APR transfer credit card. It offers a 0% introductory APR on balance transfers for the first 15 billing cycles. There is a balance transfer fee of 3% or $10, whichever is greater. After the introductory period, the APR can range from 13.99% to 23.99%.

This card offers cash-back rewards on all purchases, with 3% cash back on a category of your choice, 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases. It also has a sign-up bonus of $200 after spending $1,000 on purchases within the first 90 days of opening the account.

6. Wells Fargo Platinum Card

The Wells Fargo Platinum Card is an excellent option for those looking for a 0% APR transfer credit card. It offers a 0% introductory APR on balance transfers for the first 18 months. There is a balance transfer fee of 3% or $5, whichever is greater. After the introductory period, the APR can range from 16.49% to 24.49%.

This card does not offer rewards, but it does offer perks such as cell phone protection, travel accident insurance, and roadside assistance.

7. Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card is an excellent option for anyone looking for a 0% APR transfer credit card. It offers a 0% introductory APR on balance transfers for the first 15 months. The balance transfer fee is 3%. After the introductory period, the APR can range from 15.49% to 25.49%.

This card offers cash-back rewards on all purchases, with 1.5% cash back on all purchases. It also has a sign-up bonus of $150 after spending $500 on purchases within the first three months of opening the account.

8. HSBC Gold Mastercard® Credit Card

The HSBC Gold Mastercard® Credit Card is an excellent option for those looking for a 0% APR transfer credit card. It offers a 0% introductory APR on balance transfers for the first 18 months. There is a balance transfer fee of either $10 or 4% of the amount of each balance transfer, whichever is greater. After the introductory period, the APR can range from 12.99% to 22.99%.

This card does not offer rewards, but it does offer perks such as travel accident insurance, car rental insurance, and extended warranty coverage.

9. Navy Federal Credit Union Platinum Credit Card

The Navy Federal Credit Union Platinum Credit Card is an excellent option for those looking for a 0% APR transfer credit card. It offers a 0% introductory APR on balance transfers for the first 12 months. There is a balance transfer fee of 0%. After the introductory period, the APR can range from 5.99% to 18%.

This card does not offer rewards, but it does offer perks such as cell phone protection, travel accident insurance, and extended warranty coverage.

10. U.S. Bank Visa® Platinum Card

The U.S. Bank Visa® Platinum Card is an excellent option for anyone looking for a 0% APR transfer credit card. It offers a 0% introductory APR on balance transfers for the first 20 billing cycles. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. After the introductory period, the APR can range from 14.49% to 24.49%.

This card does not offer rewards, but it does offer perks such as cell phone protection, travel accident insurance, and extended warranty coverage.

The Best 0 APR Transfer Credit Cards 2021

If you’re looking for the best 0 APR transfer credit cards to help you save money on interest charges, you’ve come to the right place. We’ve researched and analyzed the market to bring you the top options available in 2021. Let’s dive in!

1. Chase Slate Credit card

Chase Slate is one of the most popular 0 APR transfer credit cards currently available. It offers zero balance transfer fees and zero interest for the first 15 months. In addition, it provides ease of management by integrating various features like free access to your credit score and the ability to set up email alerts to keep track of your payments. If you’re looking for a highly-reliable card with no frills attached, Chase Slate could be an excellent choice.

2. Discover it Cash Back Card

The Discover it Cash Back Card offers a unique feature in that it not only provides zero interest on balance transfers but also gives you a chance to earn cashback in various categories. With Discover it Cash Back, you can get up to 5% cashback on rotating categories like gas, restaurants, and groceries. Like Chase Slate, this card provides zero balance transfer fees. The zero APR on balance transfers lasts for the first 14 months.

3. Citi Simplicity Card

Citi Simplicity Card offers a 0% APR on balance transfers for the first 18 months. This card also provides no late fees, penalty rates, or annual fees. If you’re someone who tends to struggle with making payments on time, Citi Simplicity could be a great option. They also offer 24/7 customer service support to assist you with any queries or concerns.

4. BankAmericard credit card

Another fantastic option for 0 APR transfer credit cards is the BankAmericard Credit Card. It offers zero percent interest on balances for the first 18 months and is known for its simplicity. BankAmericard also offers free monthly FICO® credit score updates to keep you informed about your credit score. This feature will help you track the progress of your credit report and take necessary steps towards improving it.

5. U.S. Bank Visa Platinum Card

If you’re seeking simplicity and a longer repayment period, the U.S. Bank Visa Platinum Card could be one of the best 0 APR transfer credit cards available to you. It offers a 0% APR for 20 months on balance transfers and purchases. While there are no rewards programs built into this card, it includes a range of additional benefits, such as cell phone protection coverage.

6. Wells Fargo Cash Wise Visa Card

The Wells Fargo Cash Wise Visa Card provides zero interest on balance transfers for the first 15 months and matches with cashback on all purchases. You’ll earn 1.5% cashback on every purchase you make with this card, which equates to valuable savings in the long run. For someone looking to earn rewards and save money at the same time, Wells Fargo Cash Wise Visa Card is an excellent option.

7. Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card offers zero interest on balance transfer for the first 15 months, as well as 1.5% cashback on all purchases. This card gives you the benefit of earning cashback in addition to making interest-free payments on your balance.

8. American Express Cash Magnet Card

The American Express Cash Magnet Card offers zero interest on balance transfer for the first 15 months, along with valuable rewards programs. You can earn up to 1.5% unlimited cashback on all purchases, which is an excellent deal. There are no annual fees charged with this card.

9. SunTrust Prime Rewards Credit Card

If you want to reward your outstanding credit with a little extra, this card may be an excellent choice for you. Balance transfer rates vary between 1.99% and 10.99% depending upon your qualifying credit scoring. The SunTrust Prime Rewards Credit Card provides you with zero interest on balance transfers for the first fifteen billing cycles.

10. Barclaycard Ring Mastercard

In exchange for an affordable annual fee, this 0 APR credit card gives you a generous 15 months of interest-free financing for balance transfers. You can pay your full balance each month without accruing interest. The Barclaycard Ring Mastercard also provides you with the ability to participate in a “giveback” program, which enables you to contribute to non-profit organizations of your choice.

Conclusion:

These are the most popular 0 APR transfer credit cards available in the market that can help you save a significant amount of money on interest charges. It’s essential to choose a card that fits your unique requirements and aligns them with your credit score. Before deciding on the best 0 APR transfer credit card, do check various lenders and options available to make the right choice for your financial goals.

Top 0 APR Transfer Credit Cards

If you’re looking for a 0 APR transfer credit card, you’re in the right place. Here, we’ll review five of the best credit cards that offer 0 APR balance transfers.

Chase Freedom Unlimited

The Chase Freedom Unlimited is a great option if you’re looking for a credit card that offers 0 APR balance transfers. Not only that, but it also offers unlimited cash back rewards. You’ll earn 1.5% cash back on all purchases, with no limits or restrictions. Plus, there’s no annual fee.

Citi Diamond Preferred Card

The Citi Diamond Preferred Card offers 0 APR on balance transfers for up to 21 months, making it an ideal choice for those looking to consolidate high-interest debt. There’s no annual fee, and you’ll also get access to Citi Private Pass, which gives you exclusive access to concerts, sporting events, and more.

Discover it Balance Transfer Card

The Discover it Balance Transfer Card is another great option for those looking for a credit card with 0 APR balance transfers. You’ll get 0 APR for 18 months on balance transfers, as well as cash back rewards on all purchases. Plus, there’s no annual fee.

Bank of America Cash Rewards Credit Card

The Bank of America Cash Rewards Credit Card is another option that offers both 0 APR balance transfers and cash back rewards. You’ll get 0 APR for the first 15 billing cycles on balance transfers, as well as cash rewards on all purchases. Plus, you can earn even more cash back if you’re a Bank of America Preferred Rewards member.

American Express EveryDay Credit Card

The American Express EveryDay Credit Card is a great option for those who want to earn rewards while enjoying 0 APR balance transfers. You’ll earn 2x points at US supermarkets (up to $6,000 per year), 1x points on other purchases, and 0 APR for the first 15 months on balance transfers. Plus, there’s no annual fee.

Card Name 0 APR Length on Balance Transfers Annual Fee Rewards
Chase Freedom Unlimited 15 months None 1.5% cash back on all purchases
Citi Diamond Preferred Card 21 months None Access to Citi Private Pass
Discover it Balance Transfer Card 18 months None Cash back on all purchases
Bank of America Cash Rewards Credit Card 15 billing cycles None Cash back on all purchases, bonus rewards for Preferred Rewards members
American Express EveryDay Credit Card 15 months None Points on all purchases, bonus points at US supermarkets

Overall, these are all great options if you’re looking for a credit card with 0 APR balance transfers. Just make sure to read the terms and conditions carefully and choose the one that best fits your needs.

Here are some relevant links based on the given list:

1. If you’re looking for the best 0 APR balance transfer credit cards, check out this article for a comprehensive list and analysis of the top options available in the market.

2. For a closer look at a specific credit card that offers 0 APR balance transfers and other perks, read our review of the Amex Everyday Credit Card to see if it’s the right fit for you.

3. If you’re new to the world of balance transfers and want to learn more about how they work and what to consider when choosing a card, this guide to balance transfer credit cards is a great place to start.

Pros of Best 0 APR Transfer Credit Cards

Credit card companies that offer 0 APR transfer credit cards have their perks – and that’s good news for anyone looking to save money and pay off debt. Here are the top benefits of opting for the best 0 APR transfer credit cards:

1. Interest-free period

This feature is the most common benefit for a 0 APR transfer credit card. It’s an excellent opportunity for people carrying balances on high-interest credit cards to reach the principal amount. An interest-free period for a 0 APR transfer credit card can last up to twenty months, depending on the company. During that term, the cardholder doesn’t accrue interest and can focus solely on paying down debt.

2. Lower interest rates after the promotion expires

Before choosing a 0 APR transfer credit card, many users calculate what their interest rate will be after the promotion expires. It can lead to significant savings when one transfers the balance of an existing credit card with high interest.

3. No annual fees or other charges

The best 0 APR transfer credit cards don’t have annual fees or other charges for the transferred balance during the promotional period. That means users can save money and further reduce existing debt.

4. Credit score improvement

Moving amounts from a credit card account to a 0 APR transfer credit card account can help improve your credit score. It reduces the overall credit utilization rate and increases the available credit limit, resulting in an improved credit score.

5. High approval ratings

Getting approved for a 0 APR transfer credit card can be easier than other credit cards. Companies that offer these cards deem those with higher credit scores and income as acceptable risks, often approving applications almost immediately.

6. Cashback rewards and other offers

Many companies offer rewards for using their 0 APR transfer credit cards. The rewards can include cashback, points, and miles that could be used towards purchases, travel, and much more.

7. Balance transfer protection

Some credit card companies provide balance transfer protection to prevent users from losing their promotional rate if they miss a payment. Cardholders can often benefit from penalties, but this feature can safeguard their balance transfer during the promotion period.

8. Simplified payments

When consolidating all debt on one credit card, payments become more manageable. Cardholders need to make a single payment each month rather than juggling between different due dates and terms for multiple accounts.

9. Debt Consolidation

Debt consolidation is a method of combining credit card balances into a single account with a lower interest rate. 0 APR transfer credit cards are popular options for credit card consolidation due to their long promotional periods of interest-free financing.

10. No balance transfer fee

The best 0 APR transfer credit cards don’t have any balance transfer fees. A 0% introductory rate can be more attractive if it comes with no balance transfer fees, as it can help to lower the cost of transferring higher-interest credit card balances. This could save severe cash in the long run.

Thanks for Reading!

If you are looking for a credit card with a 0% APR balance transfer offer, we hope this article has been helpful. Remember to always read the fine print and compare offers before applying for any credit card. With so many options available, you are sure to find the best one for your financial needs. Make sure to come back to our website for more financial tips and advice. Thanks again for reading and happy balance transferring!

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