I believe many of you readers have managed to build up high credit card balances over this Holiday season. There were so many things to buy and so many expenses that kept creeping up. And your family may have had a beautiful time helping out with causing that to happen.

Don’t fear. Even though it may take you a while to pay the balances down, you won’t have to be paying interest on those balances till you pay it up. Instead, you can transfer your balances to a card with zero interest on balances.

Following is a list of all our cards with intro 0% APR on balance transfers. Get one or more of these cards and transfer over your balances. You can then pay up the balances slowly, without paying interest while doing so.

The best 0% APR balance transfer cards

•  0% APR for up to 21 months on balance transfers and purchases– Wells Fargo Reflect ($0 annual fee)
  

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• 0% APR for 21 months on balance transfers– Citi Simplicity ($0 annual fee)
  

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• 0% APR for 21 months on balance transfers – Diamond Preferred ($0 annual fee)
  

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• 0% APR for 20 months on balance transfers and purchases – U.S. Bank Platinum ($0 annual fee)
  

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• 0% APR for 20 months on balance transfers and purchases – NBT Bank Platinum ($0 annual fee)
  

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• 0% APR for 18 months on balance transfers – Citi Double Cash ($0 annual fee)
  

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• 0% APR for 18 months on balance transfers and purchases – U.S. Bank Business Platinum ($0 annual fee)
  

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• 0% APR for 18 months on balance transfers – Citizens Clear Value ($0 annual fee)
  

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• 0% APR for 18 months on balance transfers and purchases – HSBC Gold ($0 annual fee)
  

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• 0% APR for 18 months on balance transfers and purchases – Bank AmeriCard ($0 annual fee)
  

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• 0% APR for 18 months on balance transfers – Cash Visa Signature ($0 annual fee)
  

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• 0% APR for 15 months on balance transfers and purchases – Chase Freedom Unlimited ($0 annual fee)
  

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• 0% APR for 15 months on balance transfers and purchases – Customized Cash Rewards ($0 annual fee)
  

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• 0% APR for 15 months on balance transfers and purchases – Citi Rewards Card ($0 annual fee)
  

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  0% APR for 15 months on balance transfers and purchases – TD Cash ($0 annual fee)

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• 0% APR for 15 months on balance transfers – RCI Elite ($0 annual fee)
  

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• 0% APR for 15 months on balance transfers – Priceline Rewards ($0 annual fee)
  

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• 0% APR for 15 months on balance transfers – Upromise Mastercard ($0 annual fee)
  

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• 0% APR for 15 months on balance transfers and purchases – Freedom Flex ($0 annual fee)
  

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• 0% APR for 15 months on balance transfers – Wyndham Earner ($0 annual fee)
  

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• 0% APR for 15 months on balance transfers – Wyndham Earner Plus ($75 annual fee)
  

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• 0% APR for 15 months on balance transfers – Carnival Mastercard ($0 annual fee)
  

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• 0% APR for 15 months on balance transfers – Diamond Resorts Mastercard ($0 annual fee)
  

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• 0% APR for 15 months on balance transfers – TD Double Up ($0 annual fee)
  

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• 0% APR for 15 months on balance transfers – Frontier ($79 annual fee)
  

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• 0% APR for 15 months on balance transfers – Choice Privileges ($0 annual fee)
  

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• 0% APR for 15 months on balance transfers and purchases – Citi Custom Cash ($0 annual fee)
  

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• 0% APR for 15 months on balance transfers and purchases – Wells Fargo Active Cash ($0 annual fee)
  

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• 0% APR for 15 months on balance transfers and purchases – Unlimited Cash Rewards ($0 annual fee)
  

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• 0% APR for 15 months on balance transfers and purchases – U.S. Bank Triple Cash Business ($0 annual fee)
  

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• 0% APR for 15 months on balance transfers – Miles & More ($89 annual fee)
  

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• 0% APR for 15 months on balance transfers – Barclays Aviator ($99 annual fee, waived 1st year)
  

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• 0% APR for 15 months on balance transfers and purchases – KeyBank Latitude ($0 annual fee)
  

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• 0% APR for 15 months on balance transfers – Cash Back Plus ($0 annual fee)
  

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• 0% APR for 15 months on balance transfers and purchases – Discover It Chrome ($0 annual fee)
  

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• 0% APR for 14 months on balance transfers and purchases – Discover It  ($0 annual fee)
  

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• 0% APR for 12 months on purchases – Citi Simplicity ($0 annual fee)
  

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• 0% APR for 12 months on purchases – Diamond Preferred ($0 annual fee)
  

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• 0% APR for 12 months on balance transfers and purchases – Altitude Go ($0 annual fee)
  

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• 0% APR for 12 months on balance transfers and purchases – Harley Davidson Visa ($0 annual fee)
  

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• 0% APR for 12 months on balance transfers and purchases – Santander Cash Back ($0 annual fee)
  

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• 0% APR for 12 months on balance transfers – JetBlue ($0 annual fee)
  

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• 0% APR for 12 months on balance transfers – JetBlue Plus ($99 annual fee)
  

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• 0% APR for 12 months on balance transfers and purchases – Chase Slate Edge ($0 annual fee)
  

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• 0% APR for 9 months on balance transfers and purchases – Wells Fargo Business Platinum ($0 annual fee)
  

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What you need to know before making a balance transfer

You can’t transfer a balance from the same bank: Banks do not allow you to transfer balances from one card to another card that is issued by their bank. For example, you can’t transfer a balance from one Chase credit card to another Chase credit card. (Please note: If the bank offers you balance transfer checks or a direct deposit, then you can just deposit the check in your own bank account and then use the funds to pay back any credit card you want).

Balance transfer fee: Banks will usually charge a one-time fee to make a balance transfer. The balance transfer fee is usually approximately 3%.

Penalty APR: This is the increased interest you’ll be paying if you make a late payment. If you end up paying late, not only will you lose the 0% APR offers but you will pay an even higher interest rate- if your card has a penalty APR. (Not all cards have a penalty APR.)

Luckily for you, we actually list by every card if it has a penalty APR or not (thank us later:)  Reference to the picture to see where to find it.

Grace Period: Every card (even those without 0% APR promos) has a grace period which lasts from the day you purchase something (with your card) until the payment due date. In that time, the bank is being “nice” to you and not charging you interest on purchases. But, this is only if you pay the balance in full for that month. If you don’t pay in full, you will lose your grace period, which will lead to interest being charged (on purchases) from the day of purchase every single month until the balance is paid in full. (It will take another billing cycle after your balance is paid for the grace period to reset) .

The reason why you need to know this is because some 0% APR cards only remove the interest on balance transfers but they do charge interest on purchases. In such a case, because you’re carrying the balance that you transferred and now have 0% APR, you lost the grace period and you will be paying interest on purchases from the day of purchase. So if your card  has 0% APR on balance transfers, be careful to avoid using it to make any purchases, as you will start accumulating interest right away from the day of purchase.

You can read more about credit card grace periods here