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!┬áNot sure which card is right for you? Our chart below details some of our favorites.

Updated 08-14-2018

Balance Transfer Credit Cards Comparison Chart

Name & Card Balance Transfer APR Annual Fee Purchase APR Credit Needed
Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer
Balance Transfer APR: 0%* for 21 months, then 14.74% - 24.74%* (Variable) Annual Fee: $0* Purchase APR: 0%* for 12 months, then 14.74% - 24.74%* (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 13.74% - 24.74% Variable Annual Fee: $0 Purchase APR: 0% for 14 months, then 13.74% - 24.74% 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
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Citi® Double Cash Card
Balance Transfer APR: 0% for 18 months, then 15.24% - 25.24%* (Variable) Annual Fee: $0* Purchase APR: 15.24% - 25.24%* (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*
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Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer
Balance Transfer APR: 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days, then 14.99% - 24.99% Variable APR on balance transfers Annual Fee: $0.00 Purchase APR: 0% Introductory APR on purchases for 12 billing cycles, then 14.99% - 24.99% Variable APR on purchases Credit Needed: Excellent/Good
Bottom Line: $200 online cash rewards bonus offer; 3% on gas, 2% at wholesale clubs and grocery stores; introductory 0% APR offer for 12 billing cycles
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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
U.S. Bank Visa® Platinum Card
Balance Transfer APR: 0%* intro on BTs for 20 months for transfers made in the first 60 days, then 11.74% - 23.74%* (Variable)
Additional Rates & Fees
Additional Rates & Fees
  • Annual Fee: $0*
  • Purchase APR: 0%* intro on BTs for 20 months, then 11.74% - 23.74%* (Variable), depending on credit history.
  • Balance Transfer APR: 0%* intro on BTs for 20 months for transfers made in the first 60 days, then 11.74% - 23.74%* (Variable).
  • Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
  • *Terms and Conditions
Annual Fee: $0* Purchase APR: 0%* for 20 billing cycles on purchases and balance transfers*, then 11.74% - 23.74%* (Variable) Credit Needed: Excellent
Bottom Line: 20-month 0% intro APR on purchases and balance transfers, low ongoing APR, requires excellent credit
Read our full review
Wells Fargo Propel American Express® Card
Balance Transfer APR: 0% intro APR for 12 months, then 14.24%-26.74% variable APR Annual Fee: $0 Purchase APR: 0% intro APR for 12 months, then 14.24%-26.74% variable APR
Additional Rates & Fees
Additional Rates & Fees
Credit Needed: Excellent / Good
Bottom Line: 30,000-point bonus opportunity (worth $300 in cash); Earn 3X at gas stations, on travel (including rideshares & transit) purchases, as well as popular streaming services, eating out and ordering in; 12-month 0% intro APR on purchases & balance transfers
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*See credit card application page for additional details.