BestCreditCardBalanceTransfer.com | Compare 0% APR Credit Card Offers

Find Your Perfect Balance Transfer Card

0% APR Cards

Cards offering introductory 0% APR for balance transfers

No Balance Transfer Fee

Cards that waive the typical 3-5% transfer fee

Fair Credit Options

Options for credit scores below 700

Longest Transfer Periods

Cards with 18-21 months of 0% interest

Low Ongoing APR

Cards with competitive rates after intro period

Rewards + Balance Transfer

Earn points or cash back while paying down debt

Top Balance Transfer Credit Cards

Compare the best 0% APR balance transfer credit cards available today

Card Name	Intro APR Period	Ongoing APR	Transfer Fee	Credit Needed
CITI Citi® Diamond Preferred®	18 months	14.74% - 24.74%	5%	Good (670+)	Check Offer
BOFA BankAmericard®	18 billing cycles	15.49% - 25.49%	3% (min $10)	Good (670+)	Check Offer
AMEX Amex EveryDay®	15 months	14.99% - 25.99%	3% (min $5)	Good (670+)	Check Offer

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How Balance Transfers Work

It's simple to transfer your balance and start saving on interest

1

Compare Cards

Find the best 0% APR card that matches your credit profile and needs

2

Apply Online

Complete a quick application with no impact to your credit score

3

Transfer Balance

Move your debt and pay $0 interest during the intro period

Why Use BestCreditCardBalanceTransfer.com

Safe & Secure

Your information is protected with 256-bit encryption

No Credit Impact

Comparing cards won't affect your credit score

Updated Daily

We verify all offers each day to ensure accuracy

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Learn to Beat Interest Rates

Our expert tips and guides help you make smart financial decisions

Best 0% APR Cards in 2025

Updated list of top balance transfer cards with the longest 0% intro periods and lowest fees.

Balance Transfers Without a Fee

How to minimize or completely avoid balance transfer fees when moving your debt.

How Balance Transfers Affect Your Score

Understanding the credit score impact before, during and after a balance transfer.

Frequently Asked Questions

A balance transfer credit card allows you to move existing debt from one or more credit cards to a new card, typically with a low or 0% introductory APR for a set period. This can help you save money on interest while you pay down your balance.

Most cards charge a balance transfer fee, typically 3-5% of the amount transferred. Some cards offer promotional periods where this fee is waived. We highlight cards with no balance transfer fees to help you save even more.

Initially, your score may dip slightly due to the hard inquiry from applying and the new account. However, over time, your score can improve as you lower your credit utilization ratio if you don't run up balances on old cards. Timely payments on the new card will also help.

Generally, you'll need good to excellent credit (score of 670 or higher) for the best balance transfer cards. Some cards are available for fair credit (580-669), though they may have shorter 0% periods or higher fees. We categorize cards by credit requirements.

Most transfers complete within 5-7 business days, but can take up to 21 days. The receiving creditor processes the transfer request. Interest continues to accrue on the old card until the transfer completes, so the sooner you act the better.

Transfer Your Balance. Pay $0 Interest.