Top Credit Cards for 0 APR Balance Transfers

Are you tired of high interest rates on your credit card balances? A balance transfer credit card with 0% APR might be the answer you’re looking for. With these credit cards, you can transfer current credit card debt onto a new card with no interest charges for a period of time, giving you a chance to work on paying down your debt without accruing more interest. However, with so many balance transfer credit cards on the market, it can be overwhelming to choose the best one for your needs. In this article, we’ll explore some of the best balance transfer credit cards with 0% APR and other perks to help you make an informed decision.

Introduction Section:

If you are one of the many people burdened with credit card debt, a balance transfer card with 0% APR can be a gamechanger. However, with so many options available in the market, it can be challenging to choose the right one. In this article, we’ve compiled a list of the best credit cards with 0 APR balance transfer to make the process easy for you.

Top 10 Best Credit Cards with 0 APR Balance Transfer

1. Chase Freedom Unlimited:

Chase Freedom Unlimited is an excellent balance transfer card that offers a 0% APR for the first 15 months. Additionally, it comes with a cashback reward program where you can earn a 1.5% cashback on all your purchases.

2. Citi Diamond Preferred:

Citi Diamond Preferred is another great option for balance transfers. It offers a 0% APR for the first 18 months, which is one of the longest promotional rates in the market. The card also provides access to Citi Private Pass, which offers exclusive deals and experiences.

3. Discover it Cash Back:

Discover it Cash Back card offers 0% APR for the first 14 months on balance transfers. It also has a cashback reward program where you can earn 5% cashback on rotating categories. Additionally, the card provides free access to FICO credit score updates.

4. Wells Fargo Platinum Card:

Wells Fargo Platinum Card is a solid option if you’re looking for longer balance transfer rates. The card offers 0% APR for the first 18 months, with no annual fee. It also provides additional benefits like cell phone protection and access to My Money Map budgeting tools.

5. U.S. Bank Visa Platinum Card:

U.S. Bank Visa Platinum Card is another card with a long promotional period of 20 months. It also has a low balance transfer fee of 3% or $5. The card provides additional benefits like free TransUnion credit score access and online banking tools.

6. BankAmericard Credit Card:

BankAmericard Credit Card offers 0% APR for the first 18 billing cycles on balance transfers, with no annual fee. The card also provides access to the BankAmeriDeals program, where you can earn cashback on qualified purchases.

7. Capital One Quicksilver Cash Rewards Credit Card:

Capital One Quicksilver Cash Rewards Credit Card is an excellent option if you’re looking for a balance transfer card with added perks. It offers 0% APR for the first 15 months and also provides cashback rewards. Moreover, the card comes with travel and emergency assistance services.

8. Barclaycard Ring Mastercard:

Barclaycard Ring Mastercard is a unique credit card that provides a low APR and no balance transfer fees. Moreover, it allows you to have a say in the card’s development by contributing to the Barclaycard Ring community. The card also offers access to a free credit score monitoring service.

9. HSBC Gold Mastercard:

HSBC Gold Mastercard is another great option if you’re looking for a card with a long promotional rate. It offers 0% APR for the first 18 months, with no annual fee. The card also provides additional benefits like travel and emergency assistance services.

10. Blue Cash Everyday Card From American Express:

Blue Cash Everyday Card From American Express is an attractive option for those who want both balance transfer promotions and rewards. It offers 0% APR for the first 15 months on balance transfers and a cashback reward program on purchases. Additionally, the card provides free access to your credit score.

Conclusion:
In conclusion, a balance transfer credit card can be a smart tool for those looking to eliminate their credit card debt, and these 10 cards are among the best in the market. Consider your needs and choose the one that best suits your financial circumstances.

Top 10 Best Credit Cards with 0 APR Balance Transfer

If you’re carrying a lot of credit card debt, transferring that debt to a card with a 0% APR on balance transfers can be a smart move. It can help you save money on interest payments and give you a chance to pay down your debt more quickly. Here are the top 10 best credit cards with 0 APR balance transfer that you should consider.

1. Citi Simplicity Card

The Citi Simplicity Card offers a 0% APR on balance transfers for 18 months, which is one of the longest introductory periods on the market. It also has no annual fee and no late fees, making it a great option for those who are looking for peace of mind.

2. Chase Freedom Unlimited

The Chase Freedom Unlimited offers 0% APR on balance transfers for 15 months and a solid rewards program that lets you earn cashback on your purchases. However, the card does have a balance transfer fee of 3% of the amount transferred.

3. Discover it Balance Transfer

With the Discover it Balance Transfer, you can enjoy 0% APR on balance transfers for 18 months and no annual fee. Plus, the card offers a rewards program that lets you earn cashback on your everyday purchases.

4. Bank of America Cash Rewards Credit Card

The Bank of America Cash Rewards Credit Card offers 0% APR on balance transfers for 15 billing cycles and a rewards program that lets you earn cashback on your purchases. However, the card does have a balance transfer fee of 3% of the amount transferred.

5. Wells Fargo Platinum Card

The Wells Fargo Platinum Card offers 0% APR on balance transfers for 18 months and has no annual fee. Plus, the card offers a range of benefits, including travel and purchase protections.

6. Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card offers 0% APR on balance transfers for 15 months and a cashback rewards program that lets you earn on your purchases. However, the card does have a balance transfer fee of 3% of the amount transferred.

7. US Bank Visa Platinum Card

The US Bank Visa Platinum Card offers 0% APR on balance transfers for 20 billing cycles – which is one of the longest balance transfer periods available. It also has no annual fee and offers a range of different benefits.

8. Barclaycard Ring Mastercard

The Barclaycard Ring Mastercard offers 0% APR on balance transfers for 15 months and a low balance transfer fee of just 2% of the amount transferred. Plus, the card has no annual fee and a unique community feature that lets you participate in decisions related to the card.

9. HSBC Gold Mastercard

The HSBC Gold Mastercard offers 0% APR on balance transfers for 18 months and no annual fee. Plus, the card offers a range of different benefits, including travel and shopping protections and extended warranty coverage.

10. Chase Slate

The Chase Slate offers 0% APR on balance transfers for 15 months and no balance transfer fee for transfers made within the first 60 days of account opening. It also has no annual fee and offers some valuable tools and resources to help you manage your debt.

In conclusion, these are the top 10 best credit cards with 0 APR balance transfer that you should consider if you’re looking for a way to save money on interest and pay down your credit card debt more quickly. Be sure to compare the different features and benefits of each card to find the one that’s right for you.

Top 5 Credit Cards for 0% APR Balance Transfers

If you’re looking for a credit card that offers a balance transfer option with no interest, you have plenty of options available. But not all cards are created equal. Here are the top 5 credit cards for 0% APR balance transfers:

1. Chase Slate

Card Details
Introductory Offer: 0% APR for the first 15 months on balance transfers and purchases
Balance Transfer Fee: No balance transfer fee for the first 60 days of account opening; after that, 5% or $5 minimum
Regular APR: 14.99% – 23.74% variable

Chase Slate is a great option for people who need to transfer a balance and want to avoid fees. With no balance transfer fee for the first 60 days of account opening, you can transfer a balance without incurring any additional fees.

2. Discover it Balance Transfer

Card Details
Introductory Offer: 0% APR for the first 18 months on balance transfers (then 13.49% – 24.49% variable)
Balance Transfer Fee: 3% intro balance transfer fee for the first 60 days of account opening; after that, up to 5% or $5 minimum
Regular APR: 13.49% – 24.49% variable

Discover it Balance Transfer offer a longer 0% APR promotional period than some of its competitors – 18 months on balance transfers – and no annual fee. You’ll also earn 5% cash back on rotating categories and 1% on everything else.

3. Citi Simplicity

Card Details
Introductory Offer: 0% APR for the first 21 months on balance transfers (then 14.74% – 24.74% variable)
Balance Transfer Fee: 5% or $5, whichever is greater
Regular APR: 14.74% – 24.74% variable

Citi Simplicity offers the longest 0% APR promotional period for balance transfers, 21 months. You won’t be charged any annual fees or late fees, and you’ll enjoy a flexible rewards program that allows you to earn points for eligible purchases.

4. BankAmericard Credit Card

Card Details
Introductory Offer: 0% APR for the first 18 billing cycles (then 12.99% – 22.99% variable)
Balance Transfer Fee: 3% or $10, whichever is greater
Regular APR: 12.99% – 22.99% variable

BankAmericard credit card allows you to transfer balances and maintain the 0% APR for 18 billing cycles. Like other cards, there’s still a balance transfer fee, but it’s somewhat lower than other cards on the list.

5. Wells Fargo Platinum Card

Card Details
Introductory Offer: 0% APR for the first 18 months on purchases and balance transfers
Balance Transfer Fee: $5 or 3% of each balance transfer, whichever is greater
Regular APR: 16.49% – 24.49% variable

Wells Fargo Platinum Card offers a decent 0% APR promotional period of 18 months on balance transfers, and you won’t be charged any annual fees. The card also has an excellent cell phone protection plan, which protects phones from damage or theft.

Conclusion

These cards are among the best available for transferring a balance while avoiding interest charges. Take advantage of the promotional offers while paying attention to any fees associated with the card. Choose which card suits your financial needs, in order to maximize the savings and avoid possible charges down the line.

If you are looking for the best credit cards with 0 APR balance transfer, check out Bankrate’s comprehensive list of top credit card options to transfer your balance without paying any interest charges.

Pros and Cons of Best Credit Cards with 0 APR Balance Transfer

Credit cards with 0 APR balance transfers can be a great way to save money on high-interest debt. But before applying for one of these cards, it’s important to consider the pros and cons. In this section of the article, we’ll explore the top ten pros and cons of best credit cards with 0 APR balance transfer.

Pros

1. No Interest Payments for a Certain Period

One of the biggest advantages of 0 APR balance transfer credit cards is that you won’t have to pay interest on your transferred balances for a certain period, which can range from six months to two years. This means you can save a significant amount of money on interest charges.

2. Lower Monthly Payments

Because you won’t have to pay interest on your transferred balances, your monthly payments will be lower. This can be a game-changer for people who are struggling to make ends meet.

3. Consolidate Multiple Debts

If you have multiple credit cards or other debts with high-interest rates, you can consolidate all of them onto one credit card with a 0 APR balance transfer offer. This can make it easier to keep track of your debts and avoid missing payments.

4. Improve Credit Score

By consolidating your debts and lowering your monthly payments, you can improve your credit score. This is because on-time payments and low credit utilization are key factors in determining your credit score.

5. Cashback and Rewards Offers

Some credit cards with 0 APR balance transfer offers also come with cashback or rewards programs. This means you can earn rewards on your everyday purchases while paying off your debt at the same time.

Cons

1. High Balance Transfer Fees

Although many credit cards offer 0 APR balance transfer offers, they often come with high balance transfer fees. These fees can be up to 5% of the transferred balance, which can negate the savings from not paying interest.

2. Short Introductory Period

Although the introductory period can last up to two years, many credit cards only offer six to twelve months of 0 APR. This means you’ll have a limited time to pay off your transferred balances before the interest rate increases.

3. High Interest Rates After Introductory Period

Once the introductory period is over, the interest rate on your balance transfer can increase significantly. This means you’ll need to make sure you can pay off your transferred balances before the interest rate increases.

4. Need Good Credit

To qualify for a 0 APR balance transfer credit card, you’ll need to have a good credit score. If your credit score is poor, you may not be eligible for the best offers, or you may not be approved at all.

5. Temptation to Spend More

Once you’ve paid off your transferred balances, you may be tempted to use your new credit card to make more purchases. This can lead to more debt and higher interest charges.

Thanks for Reading!

We hope this list of the best credit cards with 0% APR balance transfer has been helpful for you. Remember to always read the terms and conditions before choosing a credit card, and make sure to pay your balances on time to avoid interest charges. Visit us again soon for more useful articles and tips on personal finance. Happy shopping!

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