8 Best 0% APR & Balance Transfer Credit Cards
Author: Greg Johnson Last Updated: March 22, 2023
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 2023.
- card_name – Best for Balance Transfers
- card_name – Great for 0% APR
- card_name – Best for Business Owners
- card_name
- card_name
- card_name
- card_name
- card_name
card_name – Best for Balance Transfers
With an introductory APR of 0% on balance transfers for 21 months after your first transfer, the card_name helps you get by without paying interest for longer.
You’ll also enjoy an introductory 0% APR on purchases for the first 12 months after account opening — making it a great card to use for either a balance transfer or an extended project or remodel.
Both rates adjust to a variable 17.99%-28.74% APR after the intro period expires.
If you’re using the card for a balance transfer, the card does have a 5% 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:
- 0% intro APR on balance transfers for 21 months after date of first transfer
- 12-month introductory 0% APR on purchases
- Variable 17.99%-28.74% APR after intro period
- Balance transfers must be completed within first 4 months
- Free FICO score access
- Complimentary concierge service
- Annual Fee: None
- Balance Transfer Fee: balance_transfer_fees
- Learn how to apply
card_name – Great for 0% APR
The card_name is another excellent choice. With an introductory 0% APR on purchases for the first 15 months (variable 20.49%-29.24% APR after), 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 an additional 1.5% cash back (on top of the regular cash back rate) on the first $20,000 in purchases you make during your first year of card membership. That’s cash in your pocket, my friend…and that’s tough to beat.
Here’s some more food for thought:
- 0% intro APR on purchases for 15 months; 20.49%-29.24% variable APR after
- Intro offer of an additional 1.5% cash back on the first $20,000 in combined purchases during the first year
- 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
card_name – Best for Business Owners
Need a 0% introductory APR card for your business? The card_name offers an introductory 0% APR on purchases for the first 12 months you have the card. (After that, you’ll enjoy a 18.49%-24.49% variable APR.) 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 whopping $750 cash back bonus when you spend $6,000 on the card in the first 3 months.
Here are some more details:
- 0% intro APR on business purchases for first 12 months
- Variable 18.49%-24.49% APR after intro period expires
- $750 sign up bonus when you spend $6,000 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
card_name
The card_name isn’t just a great cash back credit card; it doubles as a super 0% APR card!
Offering an introductory 0% APR on purchases and balance transfers 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 19.99%-29.99% variable APR plus you’ll owe a 3% fee on amounts transferred during first 15 months.
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% intro APR on purchases and balance transfers for first 15 months (19.99%-29.99% variable APR and a 3% fee on amounts transferred during first 15 months after that)
- Earn unlimited 1.5% cash back on all purchases
- Earn unlimited 5% cash back on hotel and rental car bookings through Capital One Travel
- No rotating categories to worry about
- Get up to 6 months in statement credits toward Uber One membership (through 11/14/24)
- Cash back never expires while your account stays open
- No foreign transaction fees
- Annual Fee: None
Learn how to apply | Read full review
card_name
The card_name has arrived, and it is a good one! With an introductory 0% APR on purchases for the first 15 months (19.74%-28.49% variable APR after), 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% intro APR on purchases for first 15 months; 19.74%-28.49% variable APR after
- $200 signup bonus when you spend $500 the first 3 months
- 5% cash back on first $1,500 of spending each quarter in rotating bonus categories (like groceries, streaming services, and more)
- 5% cash back on travel purchased through Chase Ultimate Rewards portal
- 5% cash back on qualifying Lyft rides until March 2025
- 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
card_name
The card_name offers an introductory 0% APR on purchases for a the first 15 months you have the card (variable 18.99%–28.99% APR after). 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 $1,500 in the first six 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; adjusts to 18.99%–28.99% variable APR after
- $200 welcome bonus after spending $1,500 in first 6 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
card_name
With the card_name, 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 (18.99%–28.99% variable APR after). Like most balance transfer cards, though, they do not earn cash back.
- 0% introductory APR on balance transfers for first 18 months; variable 18.99%–28.99% APR after
- 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
card_name
With the card_name, you can use the 0% introductory APR for purchases and balance transfers during the first 15 months from the date you open the account (19.24% - 29.99% variable APR after that). You’ll also earn 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 solid $200 statement credit for spending $2,000 in the first six months.
Here’s a bit more info before you apply:
- 0% intro APR for first 15 months from date of account opening on purchases and balance transfers; adjusts to 19.24% - 29.99% variable APR after
- Earn $200 welcome bonus for spending $2,000 during first 6 months
- 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000/year in purchases, earns 1% after)
- Annual Fee: None (card_name)
- Terms apply
- 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.
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!
You may also like:
- 15 Best Travel Rewards Cards
- Best Cash Back Credit Cards This Year
- 7 Best Small Business Credit Cards
To see rates and fees for the American Express cards featured, use the following links: Blue Cash Everyday from American Express: card_name.