12 Best “Credit Card Transfer” Deals — 0% APR Balance Transfer Offers

A DealCrunch community member asked...

How can I save on my credit card interest?

Adam West,

DealCrunch Editor

answered on: 9.6.17

Credit cards can be an amazing tool for financing the things we buy every day. But what happens when you’re not happy with the interest rate you’re paying on your balance? It’s time to switch to a card that can give you what you want.

Because so many issuers are competing for your business, we found several great balance transfer deals, including 0% APR and no balance transfer fees, that make picking the best card a bit less challenging. Below, we’ve compared credit cards that can help you move your high interest rate debt to a card with a lower rate that adjusts your payments so they won’t break your budget.

Use these category links to find a card that suits your long-term credit goals:

0% Intro APR | No Transfer Fee | For Limited Credit | For Business

Best “0% Intro Period” Credit Card Transfer Deals

While many offers promise 0% interest on balance transfers made when you first receive your card, select cards will let you continue making transfers – or even purchases – at the 0% introductory rate for several months. The better your credit, the more likely you’ll be approved for cards that offer upwards of 12 months without interest on your balance and purchases. The cards below rank as the best balance transfer cards because they offer the longest periods of 0% APR with no special actions you need to take to get the interest-free benefits.


Citi® Diamond Preferred®

4.9/5.0 ★★★★★

This card has one of the longest 0% intro periods of all the cards we analyzed with 21 months for both new purchases and balance transfers. You’ll pay a 3% balance fee for each transfer, but there is no annual fee for this card. The Diamond Preferred Card also does not currently offer any rewards or points for purchases.

Offer Category#1 in Best Credit Card Transfer Deals
DealCrunch Rating4.9 out of 5
Official Websitewww.Citi.com

Citi Simplicity®

4.8/5.0 ★★★★★

Another Citibank card, the Citi Simplicity offers a generous time frame for transferring balances at 0% APR. It has the same 21-month window for balance transfers and new purchases at the introductory rate, but the reason we ranked this card lower is because the APR after the introductory time period is slightly higher at 14.49%. As with the Diamond Preferred card, this card doesn’t offer rewards, and you will be assessed a 3% balance transfer fee for each transaction.

Offer Category#2 in Best Credit Card Transfer Deals
DealCrunch Rating4.8 out of 5
Official Websitewww.Citi.com

Chase Freedom Unlimited®

4.6/5.0 ★★★★★

The length of this credit card’s introductory period is quite high — 15 months at 0% APR for both balance transfers and new purchases. With no annual fee and balance transfers charged at just 5% per transfer, it’s a very popular card overall. Plus, you will earn 1.5% cash back on all new purchases.

Offer Category#3 in Best Credit Card Transfer Deals
DealCrunch Rating4.6 out of 5
Official Websitewww.Chase.com

Discover it®

4.5/5.0 ★★★★★

With 14 months of 0% APR for balance transfers and eligible purchases, the Discover it® card can help you meet multiple financial goals. The highly-rated card gives up to 5% back on select purchasing categories as well as a 100% match on cash-back earned. Its generous rewards make up for the 3% transfer fee and for Discover not being as widely accepted.

Offer Category#4 in Best Credit Card Transfer Deals
DealCrunch Rating4.5 out of 5
Official Websitewww.Discover.com

American Express Blue Cash Everyday®

4.4/5.0 ★★★★

While the 0% balance transfer intro rate isn’t the longest — just 12 months — this is a great first American Express card that provides some bonus perks the issuer is known for, including the option to earn a $100 statement credit after you spend $1,000 in the first 3 months. Plus, you’ll never pay an annual fee with this card. However, it’s important to note there is a 3% balance transfer fee.

Offer Category#5 in Best Credit Card Transfer Deals
DealCrunch Rating4.4 out of 5
Official Websitewww.AmericanExpress.com

While these cards offer 0% APR for qualified purchases and balance transfers within the introductory period, many still charge a transfer fee. The following cards will allow you to transfer balances without added fees.

Best “No Transfer Fee” Credit Card Transfer Deals

Transferring your balance from one card to another should be a money-saving transaction. But you can soon find your savings on the 0% interest rate earn up by transfer fees that can be as high as 5% with some cards.

These cards charge no transfer fee, for a limited time, so take advantage of these deals and watch your savings really add up.



4.2/5.0 ★★★★

This card features an outstanding promotional offer of both a 0% APR for balance transfers made within the first 60 days and no balance transfer fee. You’ll enjoy the 0% interest rate for the first 15 billing cycles, and there is no annual fee for this card. After the 60-day intro rate, the balance transfer fee is just 3%.

Offer Category#6 in Best Credit Card Transfer Deals
DealCrunch Rating4.2 out of 5
Official Websitewww.BankofAmerica.com

Chase Slate®

4.1/5.0 ★★★★

With the Chase Slate card, you will pay 0% interest on new purchases and balance transfers made in the first 15 months. Plus, you’ll pay no fees for transfers that post to your account within the first 60 days of application. This card offers no rewards, but there is also no annual fee. Keep in mind that, like other Chase cards, you cannot transfer balances from any Chase-owned account to this one.

Offer Category#7 in Best Credit Card Transfer Deals
DealCrunch Rating4.1 out of 5
Official Websitewww.Chase.com

Barclaycard Ring™ Mastercard®

4.0/5.0 ★★★★

For a card that never charges a balance transfer fee, the Barclaycard Ring™ Mastercard® is probably your best bet. You’ll never pay a transfer fee, but the 0% interest rate offer is limited, lasting just 15 months for qualified accountholders. There is no annual fee or reward perks for this card, but you will need excellent credit to apply.

Offer Category#8 in Best Credit Card Transfer Deals
DealCrunch Rating4.0 out of 5
Official Websitewww.BarclayCardUS.com

If your credit opportunities have been limited due to late payments or other negative marks on your credit report, you may think transfer deals aren’t available to you. However, that is simply not true. The following card offer is designed with limited credit in mind.

Best “Limited Credit” Credit Card Transfer Deals

No one is perfect. That’s why credit card companies have developed transfer deals for all credit types.

Even if you’re working to raise a low credit score — or you haven’t yet established much credit — you can apply for the credit card transfer deal below. Note that it isn’t as competitive as some we’ve mentioned previously, but it’s still a great way to lower your overall interest rates on existing credit card balances.


Aspire Mastercard®

3.9/5.0 ★★★★

It can be difficult to find a bank that markets specifically to those with bad or no credit. If you’re willing to join a credit union, however, you may find yourself with more options. Aspire claims to offer their cards to those with limited credit. Both the Platinum Mastercard® and World Mastercard® give new account holders 0% interest rates on balance transfers for 6 months.

Offer Category#9 in Best Credit Card Transfer Deals
DealCrunch Rating3.9 out of 5
Official Websitewww.AspireFCU.org

Businesses charge an average of 20 purchases a month to their credit cards, which is twice what consumers do. If you’re looking for flexible and convenient credit card transfer deals for your small business, these next offers are for you.

Best “Business” Credit Card Transfer Deals

Whether you have a small, single-operator business or a growing tech start-up, the right business card can make daily purchases and tracking finances an easy task. Why not bundle excellent business perks with a 0% interest rate for transfers, too? These cards are designed to pair the services business owners need with that low transfer rate a small business can use to free up cash and reinvest in their company.


American Express Blue Business℠ Plus

4.4/5.0 ★★★★

A 15-month offer of 0% APR on purchases and balance transfers makes this very appealing for small businesses. Plus, you’ll also be able to spend above your limit from time to time with this card’s flexible limit terms, and there’s no annual fee. This card also offers a generous 2x points on purchases for the first $50,000 on business spending, then gives you 1 point afterward.

Offer Category#10 in Best Credit Card Transfer Deals
DealCrunch Rating4.4 out of 5
Official Websitewww.AmericanExpress.com

Chase Ink Business Cash℠

4.3/5.0 ★★★★

This card was rated highly by Kiplinger’s Personal Finance magazine, and it’s easy to see why. Get a 0% introductory rate for 12 months on purchases and transfers and pay no annual fee. You’ll also get employee cards at no additional cost, which is great for a sales team or other business partners. You’ll also be eligible to earn a $300 cash-back bonus after you spend $3,000 during the first 3 months of the account opening.

Offer Category#11 in Best Credit Card Transfer Deals
DealCrunch Rating4.3 out of 5
Official Websitewww.Chase.com

USBank Business Edge™ Platinum

4.2/5.0 ★★★★

Finding a card that charges 0% interest on purchases and balance transfers isn’t easy for small business owners. This card does both, however, and will let you keep that 0% APR for 12 months. There’s no annual fee, and you can request cards for employees at no cost to you.

Offer Category#12 in Best Credit Card Transfer Deals
DealCrunch Rating4.2 out of 5
Official Websiteww.USBank.com

These cards all offer great balance transfer deals, which can help when consolidating any current credit card debt you may have or may be considering taking on.

Get a 0% Balance Transfer Card & Save Big

Whether you’re carrying a large balance on a single card or have numerous balances across several cards, the right transfer offer can help you pay less interest. Taking a little time to shop the best balance transfer credit cards is key, and consider these facts before applying:

  • Most transfer offers are for a limited time. Once you’re approved, be sure to start the transfer process well in advance of the deadline
  • Transfer offers are usually between different issuing banks only, so don’t try to transfer between two Chase cards, for example
  • Consider saving time by providing your transfer information online at the time of application to ensure your transfer is handled quickly

Remember, taking advantage of a balance transfer deal isn’t just a great way to save on interest and fees — many cards have exclusive perks and rewards programs to sweeten the offer. Start your application process today, and you’ll be on your way to saving on your monthly credit card bill!