Sick of paying high interest rates? A card with a long 0% intro APR on balance transfers can help because it allows you to avoid interest for a set period of time — some cards offer up to 21 months of no interest! Not sure which card from our partners is right for you? Our chart below details some of our favorites.

Updated 10-22-2018

Balance Transfer Credit Cards Comparison Chart

Name & Card Balance Transfer APR Annual Fee Purchase APR Credit Needed
BankAmericard® credit card
Balance Transfer APR: 0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days, then 14.99% - 24.99% Variable APR on balance transfers Annual Fee: $0 Purchase APR: 0% Introductory APR on purchases for 18 billing cycles, then 14.99% - 24.99% Variable APR on purchases Credit Needed: Excellent/Good
Bottom Line: 0% Introductory APR for 18 billing cycles on purchases and qualifying balance transfers
Read our full review
Citi Simplicity® Card - No Late Fees Ever
Balance Transfer APR: 0%* for 21 months, then 15.99% - 25.99%* (Variable) Annual Fee: $0* Purchase APR: 0%* for 12 months, then 15.99% - 25.99%* (Variable) Credit Needed: Excellent, Good
Bottom Line: 21-month 0% intro APR on balance transfers; 12-month 0% intro APR on purchases; post-intro APR is also low
Read our full review
Discover it® Cash Back
Balance Transfer APR: 0% for 14 months, then 13.99% - 24.99% Variable Annual Fee: $0 Purchase APR: 0% for 14 months, then 13.99% - 24.99% Variable Credit Needed: Excellent, Good, Average
Bottom Line: 14-month 0% intro APR on purchases & balance transfers; Matches your cash back at end of 1st year
Read our full review
Wells Fargo Platinum Visa® Card
Balance Transfer APR: 0% intro APR 18 months, then 17.49%-26.99% (Variable) Annual Fee: $0 Purchase APR: 0% intro APR for 18 months, then 17.49%-26.99% (variable) Credit Needed: Excellent / Good
Bottom Line: 0% intro APR for 18 months on purchases and balance transfers, mobile phone protection
Read our full review
Citi® Double Cash Card
Balance Transfer APR: 0% for 18 months, then 15.49% - 25.49%* (Variable) Annual Fee: $0* Purchase APR: 15.49% - 25.49%* (Variable) Credit Needed: Excellent, Good
Bottom Line: Earn 2% cash back on all purchases, the highest standard cash back rate of all the cards we review; 18-month 0% intro APR on balance transfers*
Read our full review
Chase Freedom Unlimited®
Balance Transfer APR: 0% Intro APR on Balance Transfers for 15 months, then 16.74% - 25.49% Variable Annual Fee: $0 Purchase APR: 0% Intro APR on Purchases for 15 months, then 16.74% - 25.49% variable Credit Needed: Good
Bottom Line: Unlimited 1.5% cash back; 0% Intro APR on Purchases and balance transfers for 15 months; $150 Bonus opportunity
Read our full review
Capital One® SavorOne℠ Cash Rewards Credit Card
Balance Transfer APR: 0% intro on balance transfers for 15 months, then 14.74% - 24.74% (Variable) Annual Fee: $0 Purchase APR: 0% intro on purchases for 15 months, then 14.74% - 24.74% (Variable). Credit Needed: Excellent, Good
Bottom Line: Good pick if you dine out and shop at grocery stores frequently; $150 bonus opportunity; 15-month 0% intro APR on balance transfers & purchases
Read our full review

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.

*See credit card application page for additional details.