Top 10 Credit Cards for 0 Balance Transfers

If you’re someone who has been dealing with mounting credit card debt and high interest rates, then 0% balance transfer credit cards might offer the relief that you’ve been looking for. With the help of these cards, you can move your credit card balance from one card to another without having to pay any interest for a certain period of time. This means that you can save a lot of money on interest charges and make significant progress in paying off your debt. But with so many options available, it can be tough to figure out which credit card is the best fit for your specific needs. That’s why we’ve rounded up the top 10 credit cards for balance transfers, so you can get started on the path to financial freedom.

Top 10 Credit Cards for 0 Balance Transfers

Credit card debt can be crippling, but transferring your balance to a card with a 0% introductory offer can give you some much-needed financial relief. Here are our top 10 picks for credit cards with 0 balance transfers:

1. Discover it® Cash Back

The Discover it® Cash Back offers 0% interest for 14 months on both purchases and balance transfers. You’ll also earn cash back on every purchase, with rotating bonus categories each quarter.

2. Chase Freedom Unlimited®

The Chase Freedom Unlimited® offers 0% interest for 15 months on both purchases and balance transfers. Plus, you’ll earn unlimited 1.5% cash back on all purchases.

3. Citi® Diamond Preferred® Card

The Citi® Diamond Preferred® Card offers 0% interest for 18 months on balance transfers (but not purchases). It also has no annual fee and provides access to Citi Entertainment®.

4. Wells Fargo Platinum Card

The Wells Fargo Platinum Card offers 0% interest for 18 months on both purchases and balance transfers, making it a great choice for those who need a longer introductory period to pay down their debt.

5. U.S. Bank Visa® Platinum Card

The U.S. Bank Visa® Platinum Card offers 0% interest for 20 billing cycles on both purchases and balance transfers, giving you plenty of time to get your finances in order.

6. Capital One® Quicksilver® Cash Rewards Credit Card

The Capital One® Quicksilver® Cash Rewards Credit Card offers 0% interest for 15 months on both purchases and balance transfers. You’ll also earn cash back on every purchase, with no limit to how much you can earn.

7. American Express Cash Magnet® Card

The American Express Cash Magnet® Card offers 0% interest for 15 months on both purchases and balance transfers. You’ll earn unlimited 1.5% cash back on all purchases, with no annual fee.

8. Bank of America® Travel Rewards Credit Card

The Bank of America® Travel Rewards Credit Card offers 0% interest for 12 billing cycles on balance transfers (but not purchases). You’ll also earn 1.5 points for every dollar spent, with no annual fee.

9. HSBC Gold Mastercard® Credit Card

The HSBC Gold Mastercard® Credit Card offers 0% interest for 18 months on both purchases and balance transfers. It also has no annual fee and provides access to Mastercard Travel Services.

10. SunTrust Prime Rewards Credit Card

The SunTrust Prime Rewards Credit Card offers 0% interest for 18 months on balance transfers (but not purchases). You’ll also earn cash back on every purchase, with no limit to how much you can earn.

In conclusion, if you’re looking to pay down your credit card debt, a balance transfer is a great option. These top 10 credit cards offer some of the longest 0% introductory offers, as well as rewards programs that can help you earn cash back or travel points on every purchase. Consider your spending and repayment habits carefully to find the best card for you.

Top 10 Credit Cards for 0 Balance Transfers in 2021

Section 2: Comparison of Top 10 Credit Cards for 0 Balance Transfers

If you are planning to transfer your credit card debt balance, choosing the right card is crucial. This section provides a comparison of the top 10 credit cards for 0% balance transfers in 2021.

1. Chase Freedom Unlimited: With an introductory offer of 0% APR for 15 months and no balance transfer fees, the Chase Freedom Unlimited card is an excellent option for those who want to transfer a balance and earn cashback rewards. It also offers unlimited 1.5% cashback on every purchase, making it a great all-around card.

2. Citi Simplicity: The Citi Simplicity card offers a 0% APR for 18 months on balance transfers and purchases with no fees. It is an ideal choice for those looking to pay down their credit card debt without any additional fees or interest charges.

3. American Express EveryDay: With an introductory 0% APR for 15 months on balance transfers and purchases, the American Express EveryDay card is a great choice for those who want to earn rewards while they pay down their debt. It also offers double points at US supermarkets and a 20% bonus on purchases made when you use your card 20 or more times per billing period.

4. Discover it Balance Transfer: The Discover it Balance Transfer card offers a 0% APR for 18 months on balance transfers with no fees, making it an excellent choice for those who are looking to transfer a balance and pay it off over time. It also offers cashback rewards on every purchase, including 5% cashback on rotating categories (up to $1,500 in purchases per quarter).

5. Wells Fargo Platinum: The Wells Fargo Platinum card offers a 0% APR for 18 months on balance transfers and purchases with no fees. It is an excellent choice for those who want to transfer a balance and pay it off over time without any additional charges.

6. Bank of America Cash Rewards: The Bank of America Cash Rewards card offers a 0% APR for 15 billing cycles on balance transfers and purchases. It also offers cashback rewards on every purchase, including 3% cashback on a category of your choice, 2% cashback on groceries and wholesale clubs, and 1% cashback on all other purchases.

7. Capital One Quicksilver: The Capital One Quicksilver card offers a 0% APR for 15 months on balance transfers and purchases with no fees. It also offers unlimited 1.5% cashback on every purchase, making it a great all-around card.

8. U.S. Bank Visa Platinum: The U.S. Bank Visa Platinum card offers a 0% APR for 20 billing cycles on balance transfers and purchases. It also offers online and mobile banking, travel benefits, and fraud protection.

9. Barclays Ring: The Barclays Ring card offers a low-interest rate of 13.99% on balance transfers and purchases. It also offers no fees on balance transfers and no annual fees. It’s a great choice for those who want a simple and straightforward card with no hidden fees.

10. HSBC Gold Mastercard: The HSBC Gold Mastercard offers a 0% APR for 18 months on balance transfers and purchases with no fees. It also offers travel benefits and fraud protection, making it an excellent choice for frequent travelers.

Conclusion:

Choosing the right credit card for your 0% balance transfer needs can save you money and help you pay down your debt faster. By comparing the top 10 credit cards for 0 balance transfers, you can find the one that best fits your needs and budget. Remember to read the terms and conditions carefully before applying for any credit card.

Top 5 Credit Cards with 0 Balance Transfers that you should know

1. Discover it® Balance Transfer

The Discover it® Balance Transfer is an excellent option for those looking to pay off their debt. This card has a 0% intro APR for 18 months for balance transfers and has no annual fee. The card also provides 5% cashback at different locations across the US throughout the year, so you can save money while paying off your debt. Additionally, this card provides free credit score monitoring, and it doesn’t charge you for a late fee on your first payment. The balance transfer rate after the intro period is 11.99% to 22.99%.

Pros Cons
0% intro APR for 18 months Balance transfer fee of 3% of each transfer amount
5% cashback on necessities No sign-up bonus

2. Citi® Diamond Preferred® Card

The Citi® Diamond Preferred® Card is a great option for people looking to pay off their credit card debt quickly. This card offers a 0% intro APR for 18 months on balance transfers, and then a rate of 13.74% to 23.74% will apply. The card has no annual fee, which makes it a budget-friendly option. Also, it has some great travel benefits, including rental car insurance and worldwide travel accident insurance.

Pros Cons
0% intro APR for 18 months Balance transfer fee of 3% of each transfer amount
No annual fee No rewards program

3. Chase Slate®

The Chase Slate® is a unique credit card that allows you to transfer your balance without paying a balance transfer fee if you transfer within the first 60 days of account opening. The card also offers a 0% intro APR for 15 months for balance transfers, and then a rate of 14.99% to 23.74% will apply. The card has no annual fee, which makes it budget-friendly, and has some great features for monitoring your credit score.

Pros Cons
No balance transfer fee No rewards program
0% intro APR for 15 months No sign-up bonus

4. Bank of America® Cash Rewards credit card

The Bank of America® Cash Rewards credit card allows a 0% intro APR for 15 billing cycles for purchases and any balance transfers made in the first 60 days of account opening, and then a rate of 13.99% to 23.99% is applied. The card also offers a rewards program where you can earn cashback on every purchase, including 3% cashback on your choice of category. The card also has no annual fee and provides free FICO® credit score monitoring.

Pros Cons
0% intro APR for 15 billing cycles Balance transfer fee of $10 or 3% of the transaction amount, whichever is greater
Cashback rewards program No sign-up bonus

5. Wells Fargo Platinum Card

The Wells Fargo Platinum Card offers a 0% intro APR for 18 months for balance transfers and purchases, which is one of the longest intro periods you can find in the market. After the intro period, a rate of 16.49% to 24.49% applies, which is higher than other cards on the list. The card has no annual fee, so it’s perfect for budget-conscious consumers. The card also provides overdraft protection, free access to your FICO score, and cellphone protection

Pros Cons
0% intro APR for 18 months Balance transfer fee of $5 or 5% of each transaction, whichever is greater
No annual fee Higher APR after the intro period

If you’re looking for the best credit cards with no balance transfer fees, check out our top 10 picks that can save you money and help you pay down debt faster.

Pros and Cons of the Top 10 Credit Cards for 0 Balance Transfers

If you’re looking to transfer a balance from one credit card to another, you’ll want to look for a card that offers a 0% introductory APR period. This can save you a lot of money on interest fees while you pay off your balance. However, there are pros and cons to consider before applying for a new credit card. In this section, we’ll take a closer look at the top 10 credit cards for 0 balance transfers and weigh the advantages and disadvantages of each.

1. Chase Slate

Chase Slate offers a 0% intro APR for 15 months on balance transfers, and there is no balance transfer fee for transfers made within the first 60 days of account opening. Plus, there is no annual fee for this card. The downside is that this card does not offer any rewards or cashback on purchases.

2. Discover it

Discover it offers a 0% intro APR for 14 months on balance transfers, and there is no balance transfer fee for transfers made within the first 60 days of account opening. Plus, this card offers cashback on purchases, including 5% back on rotating categories and 1% back on all other purchases. The downside is that Discover is not as widely accepted as other credit card companies.

3. Citi Simplicity

Citi Simplicity offers a 0% intro APR for 18 months on balance transfers, and there is no annual fee or late fee. The downside is that there is a balance transfer fee of 3% or $5, whichever is greater.

4. BankAmericard

BankAmericard offers a 0% intro APR for 18 billing cycles on balance transfers made within the first 60 days of account opening, and there is no annual fee. The downside is that there is a balance transfer fee of 3% or $10, whichever is greater.

5. Wells Fargo Platinum Card

Wells Fargo Platinum Card offers a 0% intro APR for 18 months on balance transfers, and there is no annual fee. The downside is that there is a balance transfer fee of 3% or $5, whichever is greater.

6. Capital One Quicksilver

Capital One Quicksilver offers a 0% intro APR for 15 months on balance transfers, and there is no annual fee. Plus, this card offers cashback on purchases, including 1.5% back on all purchases. The downside is that there is a balance transfer fee of 3% or $5, whichever is greater.

7. U.S. Bank Visa Platinum Card

U.S. Bank Visa Platinum Card offers a 0% intro APR for 20 billing cycles on balance transfers and purchases, and there is no annual fee. The downside is that there is a balance transfer fee of 3% or $5, whichever is greater.

8. Barclaycard Ring Mastercard

Barclaycard Ring Mastercard offers a 0% intro APR for 15 months on balance transfers, and there is no annual fee. Plus, this card offers a unique community feature that allows cardholders to vote on features and benefits. The downside is that there is a balance transfer fee of 3% or $5, whichever is greater.

9. HSBC Gold Mastercard

HSBC Gold Mastercard offers a 0% intro APR for 18 months on balance transfers and purchases, and there is no annual fee. The downside is that there is a balance transfer fee of 4% or $10, whichever is greater.

10. SunTrust Prime Rewards Credit Card

SunTrust Prime Rewards Credit Card offers a 0% intro APR for 15 months on balance transfers and purchases, and there is no annual fee. Plus, this card offers cashback on purchases, including 1% back on all purchases and 2% back on gas and grocery purchases. The downside is that there is a balance transfer fee of 3% or $10, whichever is greater.

In conclusion, each of these credit cards has pros and cons to consider when looking for a 0 balance transfer card. Make sure to read the fine print and consider your individual needs before applying for a card.

Thanks for Reading and Happy Transferring!

We hope you found this list of the top 10 credit cards for 0 balance transfers helpful. Remember to always read the fine print and understand all of the terms and conditions before applying for any credit card. And if you’re not quite ready to apply, feel free to visit us again later for more informative articles to help you make the best financial decisions. Thanks for reading and happy transferring!

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