/ 8 Best 0% APR & Balance Transfer Credit Cards

8 Best 0% APR & Balance Transfer Credit Cards

Author: Greg Johnson  Last Updated: August 02, 2021

Need a good option for securing interest free credit? 0% APR and balance transfer cards could help!

Sure, you need to be careful not to run up a bunch of debt you can’t afford. When used properly, however, these cards can help you stretch out your payments for a year or more – all while avoiding interest.

In the past, we’ve used 0% APR cards for things like home remodeling projects, Christmas shopping, and more. So, if you have a big project coming up but don’t want to go through the hassle of getting a loan, these credit cards can help fund the project interest free for 12 to 18 months!  (Just make sure you pay it off in time.)

Using balance transfer credit cards can also be a good way to destroy debt at turbo speed! The best balance transfer cards all include introductory APRs of 0%, making it possible to transfer higher-interest debt to these interest-free havens – helping you can pay it off in a flash.

When we were in debt, we used balance transfer credit cards to consolidate our high-interest credit card debt into one place. Taking advantage of the 0% rate helped us make payments toward the principle balance instead having big chunks of each payment go toward interest. By eliminating interest charges and increasing our payments, we had our debts knocked out in a few months.

Sound interesting? Here’s a list of our favorite 0% APR and balance transfer cards right now. Enjoy!

(Disclosure: Club Thrifty has partnered with CardRatings for our coverage of credit card products. If you apply for a card using our links, Club Thrifty and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses, and recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. Read our full disclosure statement here.)

Top 0% APR and Balance Transfer Credit Cards

We’ll dive into the details of each card in a minute, but first we want to introduce you to our current list. Without further ado, here are the Best 0% APR Balance Transfer Credit Cards of 2021.

Citi Diamond Preferred Card – Best for Balance Transfers

image of citi diamond preferred card

With an introductory APR of 0% on purchases and balance transfers for the first 18 months, the Citi Diamond Preferred Card helps you get by without paying interest for longer. In fact, it has the longest 0% APR period of any card on this list — making it a great card to use for either a balance transfer or an extended project or remodel.

If you’re using the card for a balance transfer, the card does have a 3% balance transfer fee ($5 minimum charge). This falls in line with most balance transfer card offers, so it’s always good keep that in mind when planning a transfer.

Here’s a little more information before you apply:

  • 18-month introductory 0% APR on purchases and balance transfers
  • Free FICO score access
  • Complimentary concierge service
  • Annual Fee: None
  • Balance Transfer Fee: 3% ($5 minimum)
  • Learn how to apply

Chase Freedom Unlimited – Great for 0% APR

Chase Freedom Unlimited Card image

The Chase Freedom Unlimited Card is another excellent choice. With a 0% APR on purchases for the first 15 months, what’s not to like?

In addition to the awesome intro APR, you’ll also earn a up to 5% unlimited cash back in certain categories (5% cash back on travel purchase through Chase, 3% cash back at restaurants and drugstores, 1.5% cash back on all purchases). Plus, you can earn a $200 sign up bonus for spending just $500 in the first three months. That’s cash in your pocket, my friend…and that’s tough to beat.

Here’s some more food for thought:

  • 0% APR on purchases for 15 months
  • $200 sign up bonus when you spend $500 in the first 3 months
  • 5% cash back on $12,000 in grocery store purchases for first year (excludes Target & Walmart)
  • 5% cash back on travel purchases through Chase portal (unlimited)
  • 3% cash back on dining at restaurants and drugstore purchases (unlimited)
  • 1.5% cash back on all other purchases (unlimited)
  • No minimums to redeem
  • Cash back does not expire while account is open
  • Annual Fee: None

Learn how to apply | Read full review

Chase Ink Business Cash – Best for Business Owners

Need a 0% APR card for your business? The Chase Ink Business Cash Card offers an introductory 0% APR on purchases for the first 12 months you have the card. Use it for big purchases, completing renovations or projects, and more!

Besides the APR, you’ll love earning 5% cash back on the first $25,000 of combined purchases in select business categories – like office supplies, internet, phone, and cable TV. You’ll also earn 2% cash back on the first $25,000 in combined purchases at gas stations and restaurants. Plus, you can earn a $750 cash back bonus when you spend $7,500 on the card in the first 3 months.

Here are some more details:

  • 0% APR on business purchases for first 12 months
  • $750 sign up bonus when you spend $7,500 in first 3 months
  • 5% cash back on first $25K in purchases in select business categories
  • 2% cash back on first $25K in purchases at gas stations and restaurants
  • 1% cash back on all other spending
  • Cash back can be redeemed at any time for statement credit or bank deposit
  • Annual Fee: None

Learn how to apply | Read full review

Capital One Quicksilver Cash Rewards Credit Card

image of capital one quicksilver cash rewards credit card

The Capital One Quicksilver Cash Rewards Credit Card isn’t just a great cash back credit card; it doubles as a super 0% APR card!

Offering 0% APR on purchases for the first 15 months helps the Quicksilver Cash Rewards Card find a spot near the top of our heap. After the promotional period, the card offers a 15.49%-25.49% variable APR.

You’ll also earn an unlimited 1.5% cash back on all purchases and a $200 cash back bonus when you spend just $500 on purchases in the first three months.

Need more convincing? Here’s you go:

  • $200 cash bonus for spending $500 in 3 months
  • 0% APR on purchases for first 15 months (15.49%-25.49% variable APR after that)
  • Earn unlimited 1.5% cash back on all purchases
  • No rotating categories to worry about
  • Cash back never expires while your account stays open
  • No foreign transaction fees
  • Annual Fee: None

Learn how to apply | Read full review

Chase Freedom Flex Card

Chase Freedom Flex card

The new Chase Freedom Flex Card has arrived, and it is a good one! With an introductory 0% APR on purchases for the first 15 months, this card immediately vaults into contention for the best 0% APR card available.

Want more than just a great introductory rate? The Freedom Flex card has you covered. You’ll earn up to 5% cash back in both fixed and rotating categories, and there is no annual fee to worry about.

Of course, that’s not all! Take a look at what this card has to offer:

  • 0% APR on purchases for first 15 months
  • $200 signup bonus when you spend $500 the first 3 months
  • 5% cash back on first $12,000 in grocery store purchases during first year (excludes Target & Walmart)
  • 5% cash back on first $1,500 of spending each quarter in rotating bonus categories
  • 5% cash back on travel purchased through Chase Ultimate Rewards portal
  • 5% cash back on Lyft rides until March 2022
  • 3% cash back on drugstore and restaurant purchases
  • 1% cash back on all other purchases
  • Annual Fee: None

Learn how to apply | Read full review

Citi Custom Cash Card [New]

The new Citi Custom Cash Card offers an introductory 0% APR on purchases for a the first 15 months you have the card. That ranks with many of the best 0% APR cards, but that isn’t all it has to offer.

In addition to the great introductory rate, this card offers a welcome bonus of $200 when you spend $750 in the first three months. Even better, you’ll earn 5% cash back on purchases made in your top eligible spending category each billing cycle. This rate applies to the first $500 you spend, and all other purchases earn an unlimited 1% cash back.

Here are some more details:

  • 0% introductory APR on purchases for first 15 months
  • $200 welcome bonus after spending $750 in first 3 months
  • Earn 5% cash back on purchases in top eligible spending category each billing cycle (up to $500 in purchases)
  • Earn 1% cash back on all other purchases
  • Annual Fee: None
  • Learn how to apply

Citi Double Cash Card

Citi Double Cash Card Logo

With the Citi Double Cash Card, you earn 2% cash back on your purchases – 1% when you buy and 1% as you pay for your purchase. Just make on-time minimum payments and earn away!

Qualified balance transfers also receive an introductory 0% APR for the first 18 months. Like most balance transfer cards, though, they do not earn cash back.

  • 0% introductory APR on balance transfers for first 18 months
  • Earn 2% cash back on every purchase – 1% when you buy, 1% as you pay for purchase
  • Minimum payments must be made on time to earn cash back
  • Annual Fee: None
  • Balance Transfer Fee: 3% ($5 minimum)
  • Learn how to apply

Blue Cash Everyday® Card from American Express

image of blue cash everyday credit card from amex

With the Blue Cash Everyday® Card from American Express, you can use the 0% introductory APR for purchases for the first 15 months (13.99% - 23.99% variable APR after that) while also earning up to 3% cash back on additional purchases. (See Rates and Fees.)

Plus, if you love welcome offers like we do, you’ll definitely want to consider the Amex Blue Cash Everyday card. With the current offer, you’ll receive a $100 statement credit for spending $2,000 in the first six months. You can also earn 20% back at Amazon.com (up to $150 back) for purchases during the first six months of card membership.

Here’s a bit more info before you apply:

  • 0% APR for 15 months on purchases; adjusts to 13.99% - 23.99% variable APR after
  • $100 welcome bonus for spending $2,000 in first 6 months
  • 20% cash back for Amazon.com purchases during first 6 months (up to $150 back)
  • 3% cash back at U.S. supermarkets (up to $6,000/year in purchases)
  • 2% cash back at U.S. gas stations and select U.S. department stores; 1% on all other purchases
  • Annual Fee: None (See Rates and Fees.)
  • Learn how to apply

Best Balance Transfer Cards: Wrapping Up

If you want to pay off debt faster, transferring your balances to one of the best balance transfer credit cards could be a great way to supercharge your debt repayment strategy.

Using balance transfer credit cards is a great way to destroy your debt at turbo speed. We've got the best 0% APR and balance transfer cards right here!

By taking advantage of 0% balance transfer fees, you may be able to save money and free up cash to pay back your debt faster. Provided you pay your cards off on-time and don’t accrue more debt, you could definitely use this strategy to come out ahead. If you decide to apply, please be sure to use our affiliate links above!

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To see rates and fees for the American Express cards featured, use the following links: Blue Cash Everyday from American Express: See Rates and Fees.