Best zero percent apr balance transfer cards

Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks. Whether you want to pay less interest or earn more rewards, the right card’s out there. Just answer a few questions and we’ll narrow the search for you.

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. The card doesn’t earn ongoing rewards on everyday spending. It’s possible to earn rewards through the issuer’s “My Wells Fargo Deals” feature, but those are one-off deals that require activation. There’s also a balance transfer fee. Intro APR extension for 3 months with on-time minimum payments during the intro period.

Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash best zero percent apr balance transfer cards as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card. Select “Apply Now” to learn more about the product features, terms and conditions. The card doesn’t earn ongoing rewards.

New longer intro period! After the intro APR offer ends, больше информации No penalty APR. Paying late won’t automatically raise your interest rate APR. Other account pricing and terms apply. Contactless Cards – The security of a chip card, with the convenience of a tap. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center.

You can take advantage of this offer when you apply now. Get it for the balance-transfer benefits, keep it for the cash-back rewards.

Discover matches the cash back you earn in your first year — although ideally in that first year you’ll be focused more on paying down balances than adding to them. When it comes to rewards, the activation requirement for bonus categories can be a hassle. Discover helps remove your personal information from select people-search websites. Activate by mobile app for free. The card has ongoing value with 1. There’s an attractive bonus offer for new cardholders, too. Enjoy 6. No minimum to redeem for cash back.

You can choose to receive a statement credit or direct deposit into most U. Cash Back rewards do not expire as long as your account is open! Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more. Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more. As a balance-transfer card, there’s a lot to like, including a lengthy introductory interest-free period for transfers.

That means if you transfer a balance onto this card, you’ll get no grace period, and you’ll be paying best zero percent apr balance transfer cards on purchases right away. Your best move is to pay best zero percent apr balance transfer cards the transferred debt first, then start using this card for the rewards. After that, the variable APR will be Balance Transfers вот ссылка not earn cash back.

Intro APR does not apply to purchases. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance including balance transfers by the due date each month.

The absence of late fees is a benefit for the absent-minded, although you don’t want to get in the habit of paying bills late. Other lenders aren’t as forgiving, and chronic lateness can kill http://replace.me/8472.txt credit score. After that the variable APR will be best zero percent apr balance transfer cards Balance transfers must be completed within 4 months of account opening.

It’s about as much breathing room as you’ll find anywhere for transferring debt. Pair it with the 5-star cash-back benefits, and you have a pretty compelling card. There’s a foreign transaction fee, and while that’s fairly common among cash-back credit cards, it means it’s not an ideal companion best zero percent apr balance transfer cards traveling abroad. No categories to track or remember and cash rewards don’t expire as best zero percent apr balance transfer cards as your account remains open.

Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge. You can choose your own due date with this card, which allows you to schedule debt payment for when its easiest on your wallet.

It also offers cell phone protection if you use it to pay your cell phone bill. Still, the cell phone coverage is a good reason to hold onto it. After that, a variable APR currently Certain terms, conditions, and exclusions apply.

A variable APR of Raise your credit limit. You’ll also earn 1. You can find cards with higher ongoing reward rates. That means you could earn 1. The card earns 1. When thinking about long-term use, big spenders and frequent travelers may be best zero percent apr balance transfer cards off with a card that offers bonus rewards for travel purchases, even if it means paying an annual fee.

Earn unlimited 1. Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions. Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout. Специалист, download adobe photoshop cs4 gratis извиняюсь means instead of earning an unlimited 1.

Read our review. By Erin HurdNerdWallet. Essentially, you’re using one card to pay off another, but because you aren’t paying as much in interest, you have more money available to pay down your debt more quickly. A balance transfer makes financial sense only if the money you save on best zero percent apr balance transfer cards is more than any fee you’ll pay to carry out the transfer.

Those savings can add up to hundreds or even thousands of dollars depending on how much you owe. Further, if you used the money you would have paid in interest and applied it to paying down the balance, посмотреть еще be out of debt a couple of months earlier. A balance transfer isn’t always a slam-dunk best zero percent apr balance transfer cards to high-interest отличные avg pc tuneup full version free download прямо. Some best zero percent apr balance transfer cards don’t charge these fees, or waive them for a period of time when you first open your account.

Whether a balance transfer will save you money depends mostly on four factors:. The current interest rate on that debt. Enter this information into NerdWallet’s balance transfer calculator to get a sense of how much you could save by doing a balance transfer. In general, you’ll need good credit to qualify for a balance transfer card.

This is critical. The transfer doesn’t happen as soon as you ask for it. It can take days or even a couple of weeks. Pay at least the minimum until your old card account shows that the debt has been moved.

The last thing you want is to incur an expensive late fee and best zero percent apr balance transfer cards damage your credit scores. It may be tempting to cut up the old card and cancel the account for the sake of catharsis, but closing a paid-off credit card account can damage your credit scores. If the card doesn’t charge an annual fee, keep it open. You can pay off your debt faster. This should be the point of the balance transfer.

Apply the money you save in interest to your balance to get you out of debt faster. It simplifies your finances. You need good to excellent credit to qualify.

If your credit standing is just OK, you may not get approved for another card. You may get approved for an amount less than you want to transfer.

The new card’s issuer might let you transfer only a portion of what you owe. You can try asking for a higher amount. If that fails, consider other steps to pay down your debt. Generally, that means a credit score of about or better. You can get your credit score for free on NerdWallet. In most cases, you can’t transfer balances among cards from the same bank — from one Chase card to another Chase card, for example.

Be especially careful with store-branded credit cards, which often do not clearly identify the issuing bank.

Best zero percent apr balance transfer cards. 11 best balance transfer credit cards: 0% intro APR for 12–21 months

No Rewards The U. Balance transfer fee applies No rewards program No welcome bonus Foreign transaction fee. Limited Time Offer! After that, a variable APR currently Certain terms, conditions, and exclusions apply. Terms and conditions apply. Apply Now On Discover’s Website.

Discover helps remove your personal information from select people-search websites. Activate by mobile app for free. Then No annual fee. 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. Cash-back match means double the rewards at the end of your first year Flexible cash-back redemption options No foreign transaction fee. Just a dollar-for-dollar match. Apply Now On Citibank’s Website. High regular APR No rewards program. After that the variable APR will be Generous welcome offer Unlimited 1. Foreign transaction fee High cash advance fee Ongoing balance transfer fee is high. Enjoy 6. Earn an extra 1. That’s 6. Credit Card.

Credit Score. Earn 10, points. Check for fees. Consider which perks you want. Consider your spending style. If your goal is earning rewards on your purchases while avoiding interest, it can help to think about the type of purchases you planned to make. Some cards offer more rewards in specific bonus categories, so you should choose a card that will give you the most bang for your buck. Look at the ongoing variable APR. A variable APR of Raise your credit limit. After that the variable APR will be High regular APR No rewards program.

No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U. Cash Back rewards do not expire as long as your account is open! Welcome Bonus 20, points. All purchases rounded up to the nearest 10 rewards points. No rotating categories to manage. Foreign transaction fee. Potentially high APR depending on your creditworthiness. Click Here To Learn More.

Regular APR 6. Credit Score Average to Excellent – No annual fee No balance transfer fees No foreign transaction fees Low ongoing interest rates. No promotional interest rate on purchases No rewards program There are longer promotional APR periods available.

After that, a standard variable APR between 6. Credit Card. Credit Score. Methodology Not all balance transfer cards are created equally. Balance Transfer Fee: None Other Benefits and Drawbacks: The lack of a balance transfer fee makes this card a rarity among balance transfer cards, but the promo period is shorter than that of other cards. What Is a Balance Transfer? How does a balance transfer work?

What is a balance transfer fee? How long does a balance transfer take? Things to look for include: Is there a balance transfer fee? How long are the terms of any introductory low or zero-APR offer? Other considerations include: Credit score.

If you have less-than-stellar credit you may not qualify for some cards. Zero-interest or low-interest. Longest introductory offer. Credit card long-term value. Some cards with balance transfer offers come with rewards and other perks, while some offer little beyond an intro APR offer. How To Apply for a Balance Transfer Credit Card The process to apply for a balance transfer credit card is similar to applying for any other type of credit card.

Pros: Save on interest. Credit card consolidation. If you have debt on multiple cards and want to simplify, transferring multiple balances to one card can make it easier to keep track of payments. Switch to a card with better terms. Some credit cards with balance transfer offers may offer better terms or perks than your current card. Cons: Balance transfer fees. Most credit cards will charge you a balance transfer fee for when you move debt to another card.

Limits on the amount being transferred. Strong credit is usually required. Just like the best rewards cards, the best balance transfer offers are typically reserved for those with good to excellent credit.

Frequently Asked Questions. There’s a good bonus offer for new cardholders, too. And that’s about it. It doesn’t charge an annual fee, late fees or penalty APRs either. Its balance transfer fee is on the high side, though. But the balance transfer fee is pricey.

It doesn’t have the late-fee forgiveness of Citi’s other balance-transfer card, but it’s still a great option. Now it’s even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. Category activation can be a hassle, but if your spending matches the categories — and for a lot of people, it will — you can rack up hundreds of dollars a year. Also rare among travel cards is its intro APR period for balance transfers.

You earn unlimited 1. As with other Discover cards, this one matches the rewards you earn in your first year. By Erin Hurd , NerdWallet. Essentially, you’re using one card to pay off another, but because you aren’t paying as much in interest, you have more money available to pay down your debt more quickly. A balance transfer makes financial sense only if the money you save on interest is more than any fee you’ll pay to carry out the transfer.

Those savings can add up to hundreds or even thousands of dollars depending on how much you owe. Further, if you used the money you would have paid in interest and applied it to paying down the balance, you’d be out of debt a couple of months earlier.

A balance transfer isn’t always a slam-dunk solution to high-interest debt. Some cards don’t charge these fees, or waive them for a period of time when you first open your account.

Whether a balance transfer will save you money depends mostly on four factors:. The current interest rate on that debt. Enter this information into NerdWallet’s balance transfer calculator to get a sense of how much you could save by doing a balance transfer. In general, you’ll need good credit to qualify for a balance transfer card. This is critical. The transfer doesn’t happen as soon as you ask for it. It can take days or even a couple of weeks. Pay at least the minimum until your old card account shows that the debt has been moved.

The last thing you want is to incur an expensive late fee and possibly damage your credit scores. It may be tempting to cut up the old card and cancel the account for the sake of catharsis, but closing a paid-off credit card account can damage your credit scores. If the card doesn’t charge an annual fee, keep it open.

You can pay off your debt faster. This should be the point of the balance transfer. Apply the money you save in interest to your balance to get you out of debt faster. It simplifies your finances. You need good to excellent credit to qualify. If your credit standing is just OK, you may not get approved for another card. You may get approved for an amount less than you want to transfer. The new card’s issuer might let you transfer only a portion of what you owe.

You can try asking for a higher amount. If that fails, consider other steps to pay down your debt. Generally, that means a credit score of about or better. You can get your credit score for free on NerdWallet.

In most cases, you can’t transfer balances among cards from the same bank — from one Chase card to another Chase card, for example. Be especially careful with store-branded credit cards, which often do not clearly identify the issuing bank.

Stores don’t typically issue and manage their own credit cards; they partner with a bank to do it. But know that longer periods might mean higher transfer fees. A handful of cards do not charge transfer fees or waive them for an introductory period. But those cards are few and far between, and most of them require excellent credit.

A good balance transfer card will not charge an annual fee. The rewards and sign-up bonuses on such cards encourage spending, and the annual fee eats up money that could be going to pay down debt.

Use your balance transfer credit card only for debt. That’s why it’s better to use two cards: One for paying off debt over time, and one for making and immediately paying off new purchases. Know when promotional periods end. Transfer debt and pay it off within those time periods to avoid interest and fees. Read your credit card statements carefully — or just call your issuer and ask if you’re not sure when the clock will run out. Pay on time. Make extra payments throughout the month, as your budget allows.

See offers from our partners below. Get your free score. Pay off your credit card debt with one of these balance transfer credit cards, some of which are from our partners.

Filters No balance transfer fee. More filters. Other fees. No annual fee. No foreign transaction fee. Card network. American Express. Financial institution. Bank of America. Capital One. Credit Unions.

Best zero percent apr balance transfer cards. Best 0% APR Balance Transfer Credit Cards Of August 2022

 
Best Overall Balance Transfer Card for Long Intro APR Period of triple zeros: No annual fee, no penalty interest rate and no late fees. Capital One Quicksilver Cash Rewards Credit Card: Best for no foreign transaction fee. Citi® Double Cash Card: Best for up to 2% cash back.

Best zero percent apr balance transfer cards

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

However, credit score alone does not guarantee or imply approval for any financial product. The U. Bank Visa Platinum Card takes the top spot for one of the longest intro APR periods bset the market, offering a 0 percent intro APR for 20 billing cycles on balance baoance made in the first 60 days of account opening and purchases If you need the breathing room to balace down a hefty balance, this offer microsoft office 2010 home oem free hard to beat.

Read our full U. Bank Visa Platinum Card review. Bedt correctly, this card from Wells Fargo boasts the longest intro APR on balancee and qualified balance transfers on the xards months from account opening at 0 ссылка interest then That means up to 21 months of skipping interest is on the bbest. Read our full Wells Fargo Reflect Card review.

This card may not boast long-term value due to its lack of rewards offers, but the best zero percent apr balance transfer cards APR period is still fairly long and will allow you the time and space you need to pay down debt. Read our full Citi Diamond Preferred Card review. The lengthy month 0 percent introductory Best zero percent apr balance transfer cards on balance transfers then Read our full Discover it Bsst Transfer card review.

Along with its solid intro APR offers, this card carries some of the best everyday cash back rates you can get on a no-annual-fee card. Read our full Blue Psrcent Everyday Card review. Terms apply Earn unlimited 1. The Capital One Quicksilver Cash Rewards card is a decent option for a balance transfer, offering 15 months of intro zero-interest before its regular APR of However, this no-fuss balance transfer card offers a base rewards rate of at least 1.

The Citi Double Cash Card offers the chance to earn cash back on autodesk inventor 2017 xforce free download and save money on interest with a balance transfer. The month 0 percent intro APR period Read our full Citi Double Cash Card review.

This card offers no late fee, no annual fee and no penalty APR. Important note: Making a late payment on a transferred balance on this card is a violation of the balacne of the intro offer.

Read our full Citi Simplicity review. The Wells Fargo Active Cash Card offers the opportunity to earn one of the highest cash rewards rates available on eligible purchases—no category restrictions or limits. Our advice is to use the balance transfer offer to pay debt and then put the card to use as a rewards earning machine. Earn 5X miles on trnsfer and rental cars booked through Capital One Best zero percent apr balance transfer cards, where you’ll get Capital One’s best prices on thousands of trip options Earn unlimited 1.

This card offers a slew of appealing features, including flexible travel miles, no annual fee and a modest balance transfer offer. The Best zero percent apr balance transfer cards Custom Cash Card combines balance transfer bet best zero percent apr balance transfer cards generous rewards.

Read our full Citi Custom Cash Card review. Bank Visa Platinum Card review or jump back to offer details. Learn more: U. Bank Visa Platinum benefits guide. Read our full Wells Fargo Reflect Card review or trxnsfer back to offer details. Read our full Citi Diamond Preferred Card review or jump back to offer details. Learn more: Is the Discover it Balance Transfer card worth crds Read our full Discover it Balance Transfer review or jump back to offer details.

Read our full BankAmericard credit card review. Read our full Citi Double Cash Card review or jump back to offer details. Learn more: Citi Simplicity card benefits guide. Read our full Citi Simplicity Card review or jump back to offer details. Learn more: Capital One VentureOne rewards card benefits guide. Learn more: Is the Citi Best zero percent apr balance transfer cards Cash worth it? Read our full Citi Custom Cash Card review or jump back to offer details. A balance transfer credit card can help you pay off your debt by transferring existing card balances to a new credit card with a 0 percent intro APR period.

During that time, you have the chance to pay off the principal without paying interest. When the intro APR period endspeercent will apply to any remaining balance at the end of each billing cycle like a regular credit card. Want to learn peercent Read our full guide on how balance transfer credit cards work. A balance transfer fee compensates a lender for taking the risk of issuing a pfrcent interest-free loan. According to The Federal Reserveabout half of all credit card users carry a month-to-month balance.

If you find yourself among this group and your current card has a high interest transfed, a http://replace.me/6601.txt transfer credit card with an introductory 0 percent APR offer can help you address some key financial issues and save a bit on interest. A balance transfer card is worth considering for the trnsfer people:. If you want to pay down credit card debt and avoid added interest costs, a solid balance transfer card may work well for you.

Debt can be expensive, especially credit card debt. As of August 17,Bankrate estimates the current average interest rate on credit cards at The best balance transfer credit cards come with 0 percent APR intro offers that provide a to month window to pay off balances. If you like to keep all your ducks in one place, consider transferring multiple balances to one balance transfer credit card. The best credit cards for balance transfers share several key features.

To choose a balance transfer credit card that fits your unique financial situation, rtansfer the following three questions:. 10 lock blue free download any other credit card application, a balance transfer card application will result in either approval or denial. Some of the best balance transfer cards offer general benefits best zero percent apr balance transfer cards cardholders, such as extended warranties on purchases and identity theft protection services, as well as rewards programs that can help offset interest payments or provide additional discounts or savings on purchases.

If you want to use apg card for daily purchases like gas or groceriesyou may be able to earn points or miles that may be redeemed for gift cards, statement credits or more. The main things to know are:. If you have questions at any point in the process, contact a customer service representative for help. Although any temporary break from credit card APR is beneficial, a longer intro offer will give you the best opportunity to avoid interest as you pay off your transferred best zero percent apr balance transfer cards.

The chart below shows the top three cards with the longest intro APR offers. Here are a few options to consider:. Bankrate writers and editors have evaluated dozens of options to determine which best zero percent apr balance transfer cards are most likely to help you achieve your financial goals with a balance transfer. In this category, our 5-star scoring carda pays particular attention to the essential features of a balance transfer credit card, including:.

The best balance transfer credit cards will charge a low fee on transferred balances, or even no fee at all. If you transfe an hransfer credit score, consider asking to have the fee lowered or waived. If you want to do a balance transfer with a specific bank or card issuer, Bankrate has detailed guides from the following financial companies:.

Want to know more about transferring balances to a credit card? Have more questions for our crds cards editors? Feel free to send us an emailfind us on Facebookor Tweet us Bankrate. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty.

After you click on the offer you desire you will be directed to the credit card issuer’s web site where you can review the terms transfwr conditions for your selected offer. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty.

The offers that appear on this site are from companies from which Bankrate. This compensation may impact how and where products appear on this site, including, for example, arp order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants’ windows 10 pro full approval also impact how and where products appear on this site.

Pros and cons Who should get a balance transfer credit card? How to choose the right card for you Alternatives to a balance transfer card Balance transfer guides by bext Why we chose our featured cards Frequently asked zerl. Best for long intro APR period on purchases and balance transfers U. Apply now On U. Bank’s secure site. Add to compare. Balance transfer intro APR. Purchase intro APR. Regular Transfe. Rewards rate. Recommended credit. Good to Excellent – Credit score. Bankrate’s View The U.