5 Best Balance Transfer 0% APR Credit Cards

  1. Citi Simplicity

APR

Balance transfers:  0% for 18 months, then 14.99%-24.99% variable

Purchases: 0% for the first 18 months, then 14.99% 24.99% variable

Annual fee

$0

Balance transfer terms

Balance transfer fee:  3% or $5- whichever is greater

Minimum payment:  Usually 1.5% or $25- whichever is greater

Penalty APR: None

  • You cannot transfer balances from other credit cards issued by Citi bank.
  • To receive the intro APR offer, transfers must be completed within the first 4 months after account opening.

 

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2. U. S. Bank Platinum Visa

APR 

Purchases: 0% for first 20 months than 11.49%-23.49% variable

Balance transfer: 0% for first 20 months than 11.49%-23.49% variable

Annual fee

$0

Balance transfer terms

Balance transfer fee: 3% or $5 whichever is greater

Minimum payment: 1% or $30 whichever is greater

Penalty APR: $0

  • To receive the intro APR offer, transfers must be completed within the first 60 days after account opening.

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3.  American Express Everyday Credit Card

Apr

Balance transfers: 0% for 15 months, then 12.99% to 22.99% variable

Purchases: 0% for 15 months, then 12.99% to 22.99% variable

Annual fee

$0

Balance transfer terms

Balance transfer fee: $0 for any balance transfer made within the first 60 days. 

Minimum payment: Usually 1% or $35 whichever is greater

Penalty APR: 29.99%.vairaible

  • To receive the intro APR offer balance, transfers must be completed within the first 60 days after account opening.
  • You cannot transfer balances from other credit cards issued by American Express.

Notes

Check the link as there may be a opening bonus available.

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4. Blue Business Plus Credit Card From American Express

APR

Purchases: 0% for first 15 months than 12.49%-20.49% variable

Balance transfer: 0% for first 15 months than 12.49%-20.49% variable

Annual fee

$0

Balance transfer terms

Balance transfer fee:  3% or $5 whichever is greater

Minimum payment: 1% or $35 whichever is greater

Penalty APR:  29.99% (you may lose the intro balanced transfer APR rate)

  • You cannot transfer balances from other credit cards issued by American Express.
  • To receive the intro APR offer, transfers must be completed within the first 60 days after account opening.

Notes

Check the link as sometimes there is a 10,000 Membership Rewards opening bonus available.

As this is a business credit card the balances will not show up on your credit report so it will not affect your credit score. More information found here.

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5. Chase Slate

Apr

Balance transfers: 0% for 15 months, then 15.99% to 24.74% variable

Purchases: 0% for 15 months, then 15.99% to 24.74% variable

Annual fee

$0

Balance transfer terms

Balance transfer fee: $0 for any balance transfer made within the first 60 days, then 5% or $5-whichever is greater

Minimum payment: Usually 1% or $25 -whichever is greater

Penalty APR: None

  • You cannot transfer balances from other credit cards issued by Chase bank.

 

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