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4.5/5.0 from 20 Offer Ratings
Over the Past 60 Days!
Intro Purchase APR
0% for 12 months on Purchases
Intro Balance Transfer APR
0% for 21 months on Balance Transfers
Regular Purchase & BT APR
17.24% - 27.99% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi® Diamond Preferred® Card
Intro APR
0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
No Penalty APR
Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
Build Credit
Access your FICO® Score for free within Online Banking or your Mobile Banking app
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for BankAmericard® credit card
Intro BT APR
0% for 18 months on Balance Transfers
Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Regular Purchase & BT APR
18.24% - 28.24% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi® Double Cash Card – 18 month BT offer
Welcome Offer
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Rewards Rate
Earn unlimited 2% cash rewards on purchases
Purchase and BT APR
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.24%, 24.24%, or 29.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Wells Fargo Active Cash® Card
Intro APR
0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
Sign-Up Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards Rate
3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Bank of America® Customized Cash Rewards credit card
Sign-Up Bonus
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards Rate
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Intro APR
0% intro APR for 15 months on purchases and balance transfers, then 18.24% - 28.24% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi Custom Cash℠ Card
Intro Purchase APR
0% for 12 months on Purchases
Intro BT APR
0% for 21 months on Balance Transfers
Regular Purchase & BT APR
18.24% - 28.99% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi Simplicity® Card
Balance Transfer Intro APR
0% Intro APR for 18 months on balance transfers, then 16.24% - 27.24% Variable APR
Rewards Rate
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically
Sign-Up Bonus
Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Typical Credit Needed
Annual Fee
$0
Card Brand
Discover
See additional details for Discover it® Balance Transfer
Intro Purchase APR
0% intro APR for 18 billing cycles on Purchases
Intro BT APR
0% intro APR for 18 billing cycles on Balance Transfers
Regular Purchase & BT APR
18.99% - 28.99% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for U.S. Bank Visa® Platinum Card
Regular APR
17.24% - 29.24% variable APR
Intro Purchase APR
0% intro APR up to 21 months from account opening
Intro BT APR
0% intro APR up to 21 months from account opening on qualifying balance transfers
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Wells Fargo Reflect® Card
Sign-Up Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APRs
0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
Rewards Rate
1.5% cash back on all purchases
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Bank of America® Unlimited Cash Rewards credit card
Intro APR
0% for 15 months on purchases and 0% for 15 months on balance transfers
Rewards Rate
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
Regular APR
17.74% - 27.74% (Variable) on purchases and balance transfers
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi Rewards+® Card
Intro Purchase and BT APR
0% for 12 billing cycles on purchases, then 19.24% - 28.24% (Variable) and 0% for 12 billing cycles on balance transfers, then 19.24% - 28.24% (Variable)
Rewards Rate
Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.
Sign-Up Bonus
Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for U.S. Bank Altitude® Go Visa Signature® Card
Rewards Rate
5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose. 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center. 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants. 1% cash back on all other eligible purchases.
Sign-Up Bonus
$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening
Intro APR
0% intro APR on purchases for the first 15 billing cycles , then 18.74% - 28.74% (Variable) and 0% Intro APR on balance transfers for the first 15 billing cycles, then 18.74% - 28.74% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for U.S. Bank Cash+® Visa Signature® Card
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
One of the main reasons that people shop for a new credit card is in order to find banks that offer special 0% balance transfer credit cards for the longest period of time and with low transfer fees. In recent years consumers have started to use credit cards more wisely than they did before the big credit crisis. Now they tend to shift high-interest card balances to cards that offer a lower APR, because in doing so they are able to gain immediate and substantial savings.
Use our free balance transfer calculator and credit card payoff calculator found on this site to figure out how much money you can save by getting a better interest rate. Then look in this section for the best balance transfer credit cards that offer good deals such as 0% interest for 1 to 2 years and lower regular APR rates. You will want to pay special attention to any minimum charges or transfer % that a credit card company might impose on you for transferring a balance – deduct that cost from your overall savings in order to arrive at a real net savings for transferring to a new credit card.
Let’s say that you have a card that you’re currently paying 25% interest on, but you find a card here that will only charge you 3.99% for the first year and 18% thereafter. By moving your balance to the new card you can save more than 20% right away, and 7% over the long term. If your transfer amount is $3,000 that means you save around $500– $600 in interest within the next 12 months.