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The best 0 interest balance transfer credit cards are no less than a dream to credit card holders. Isn’t it? Who does not want a zero-interest credit card? You’ll definitely, and we can bet on this!
Moving ahead, if you transfer your account balance to the card and try to pay it off (during promotional time), you can succeed in managing your finances and consolidating credit card debt. Sounds Amazing! But what if we say it applies to some terms and conditions?
Don’t get in a fuss as we are here to help you pick the best 0 interest balance transfer credit cards that bring the best of both worlds.
What do you mean by a 0% Interest Balance Transfer?
A balance transfer is transferring the unpaid balance from one lender to another. Usually, it is done to save some interest on the balance by transferring it to a credit account with a small rate of interest.
But hold on. Before applying for balance transfer credit cards, consider the terms and conditions to help you decide whether a 0% interest balance transfer credit card might help you save money.
9 Best 0% Interest Balance Transfer Credit Cards
1. Chase Freedom Unlimited
Rating:
4/5
Annual Fee:
$0
Intro APR:
0% intro APR on purchases and Balance Transfers for 15 months
Reward Rate:
1.5%-5% Cashback
Regular APR:
20.49%-29.24% Variable APR
Why Choose It:
Chase Freedom Unlimited® offers a combination of flexible redemption options, zero percent introductory APR, valuable rewards, and a sign-up bonus intact with the cashback cards for a $0 annual fee.
The Chase Freedom Unlimited® is amongst the Best 0 Interest Balance Transfer Credit Cards, which allows your payment to be directly applied to the principal amount of your balance compared to your principal and interest charges. Let’s walk through how to transfer your debt to a Chase credit card.
To start with the balance transfer with Chase Freedom Unlimited®, the following things are a must:
- The amount you want to transfer
- Your Card’s account number from which you want to transfer the balance
- The card issuer(s) name(s) from which you want to transfer
To get a new Chase balance transfer credit card’s introductory offer, you must raise your balance transfer request within four months (120 days) of opening your account.
Moreover, before starting the balance transfer, create a plan to pay off your balance transfer within the promotional period. This means calculating the amount you will need to pay each month to pay the full balance before the free or zero interest period ends.
2. Citi Double Cash® Card
Rating:
5/5
Annual Fee:
$0
Intro APR:
0% intro APR on Balance Transfers for 18 months
Reward Rate:
2% Cashback
Regular APR:
19.24%-29.24% Variable APR
The Citi Double Cash® Card allows you to:
– Earn 5 percent cash back on car rental, hotel, and attractions
– $0 liability on unauthorized charges
– Theft Protection available from Mastercard for no additional charges
3. Citi® Diamond Preferred® Card
Rating:
4.4/5
Annual Fee:
$0
Intro APR:
0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases
Reward Rate:
Not Available
Regular APR:
18.24%-28.99% Variable APR
Why Choose It:
– Free access to your FICO score
– $0 liability on unauthorized charges
– Theft Protection is available from Mastercard for no additional charges
With its 0 percent, eighteen months intro APR it can complete the balance transfers within 120 days of opening the account, which offers plenty of time to pay down interest-free balance. Also, the go-to variable rate will be applied after the intro period gets over.
4. Navy Federal Credit Union® Platinum Credit Card
Rating:
4.3/5
Annual Fee:
$0
Intro APR:
0.99% intro APR on Balance Transfers for 12 months
Reward Rate:
Not Available
Regular APR:
11.24%-18.00% Variable APR
Why Choose It: A balance transfer can reduce monthly payments and save on interest. Customers are free to transfer the balance from another credit card to the Navy Federal Credit Card. If you don’t have one yet, check out the options or find out if you’re eligible to become a member of the Navy Federal.
Consider these steps to transfer your balance to Navy Federal Credit Union:
- Request a balance transfer
- Check your current interest rate and balance
- Gather all the relevant information that you need
- Choose the right credit card
5. Wells Fargo Active Cash® Card
Ratings
5/5
Intro APR:
0% intro APR on purchases and Qualifying Balance Transfers for 15 months from account opening
Reward Rate:
2% Cashback
Regular APR:
20.24%, 25.24%, or 29.99% Variable APR
Why Choose It: The Wells Fargo Active Cash® Card provides a 0 percent intro APR for fifteen months, opening an account on balance transfers and purchases. A balance transfer initiated within four months qualifies easily for the fee, and an intro rate of 3 percent ($5 minimum), followed by a fee of up to 5 percent ($5 minimum), applies. It also provides several exciting cash rewards, making it worth choosing them.
It’s an easy process to do a balance transfer with Wells Fargo. Follow these steps:
- Log in to the Credit Card Service Center with the help of your account information
- Select request balance transfer under Account Management.
- Cardholders can perform a transfer by calling at 1-800-642-4720.
If you’re applying for a new Wells Fargo credit card, request a balance transfer wh
6. Wells Fargo Reflect ® Card
Rating:
5/5
Annual Fee:
$0
Intro APR:
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Reward Rate:
Not Available
Regular APR:
18.24%, 24.74%, or 29.99% Variable APR
Why Choose It: The Wells Fargo Reflect® Card provides a 0 percent intro APR for 21 months from opening an account on qualifying balance transfers and purchases. Balance transfer within four months qualifies easily for the intro APR, and a balance transfer fee of $5 minimum applies.
- 24*7 roadside dispatch (terms apply)
- Phone protection of up to $600
7. U.S. Bank Visa® Platinum Card
Rating:
4.5/5
Annual Fee:
$0
Intro APR:
0% intro APR for 18 billing cycles on purchases and balance transfers
Reward Rate:
Not Available
Regular APR:
18.74%-29.74% Variable APR
Why Choose It: The U.S. Bank Visa® Platinum Card offers an introductory fee of either 3 percent of the amount transferred or $5 minimum for a balance transfer within 60 days of opening an account. Afterward, either 5 percent of the amount transferred or $5 minimum, whichever is bigger.
- 100% domestic service center offers 24*7 service
8. BankAmericard® Credit Card
Ratings
4.6/5
Intro APR:
0% intro APR on Purchases and Balance Transfers(1st 60 days) for 18 billing cycles
Reward Rate:
Not Available
Regular APR:
16.24%-26.24% Variable APR
Why Choose It: The BankAmericard® credit card is a great pick for those seeking to consolidate debt with a balance transfer or finance a big purchase on 0 percent APR for a longer period (18 billing cycles for purchases) and for any balance transfer initiated within three months of account opening. It can reduce your payments while consolidating debt in one Card.
9. Discover it® Credit Card
Rating:
4.9/5
Annual Fee:
$0
Intro APR:
0% intro APR on Balance Transfers for 18 months and 0% intro APR on purchases for six months
Reward Rate:
Not Available
Regular APR:
18.24%-28.24% Variable APR
Why Choose It: Discover it® Credit Card is among the best 0 interest balance transfer credit cards. They don’t charge interest rates or annual fees to credit card issuers. Their introductory offers for waiving interest rates on balance transfers or new purchases make them fall under the best providers of introductory credit cards, allowing you to increase your credit score.
- No credit score is required
- Online privacy protection
- 24*7 customer service
Related articles you might love:
- How to Choose the Best Credit Card
- 10 Best Rewards Credit Cards with No Annual Fees
- Top 11 Cash Back Credit Cards in the USA
Closing Words
With this list of best zero interest balance transfer credit cards, picking the credit card becomes easier. These best balance transfer credit cards would help you to earn great intro and regular APR rewards in the form of Cashback.
With no annual fee and 24*7 customer support, these credit cards are no less than a center of attraction for various customers. Learning how to choose the best credit cards can give better insights into balance transfer credit cards.
