Top 0% Introductory APR Credit Cards for Balance Transfers

Best Credit Cards Offering 0% Intro APR on Balance Transfers

Managing credit card debt can be challenging due to high balances and accumulating interest charges. The principal amount owed and the ongoing interest — compounded monthly based on the card's APR — can grow rapidly. To combat this, many credit card providers offer 0% introductory APR on balance transfers, attracting consumers seeking lower-interest repayment options.

Annually, nearly 17% of credit card balances are transferred by users seeking better payment terms. Some cards feature extended 0% APR periods, with rare options eliminating transfer fees altogether. Below are some popular cards with attractive balance transfer offers:

Chase Slate
Leading among these, Chase Slate provides a 15-month 0% APR period on balance transfers with no fee if completed within 60 days. Afterward, a 3% transfer fee applies, and rates vary based on credit. This card offers free FICO score access, fraud protection, purchase protection, and zero liability coverage.

Citi
The Citibank's Simplicity and Diamond Preferred cards feature up to 21 months of 0% APR on balance transfers, the longest offerings available. Transfers must occur within 21 months of account opening to qualify.

Discover
Discover's cards include 0% APR on transfers for 14 months and reward users with 5% cash back. Transfers incur a 3% fee, but the card charges no annual or late fees, and provides features like a Freeze tool, free FICO scores, and fraud liability protection.

Capital One
The Platinum Prestige card stands out with a 15-month 0% APR on both transfers and purchases. It’s free of annual fees, with a 3% transfer fee. Post introductory period, variable rates range between 10.9% to 20.9%. Benefits include fraud protection, extended warranties, and travel insurance.

U.S. Bank
U.S. Bank offers multiple cards with 0% APR for 9 to 12 months, depending on the product. These cards boast no annual fees, fraud protection, and rental vehicle insurance. After the promotional period, APRs increase to approximately 12%–22%, depending on creditworthiness.

Qualifying for a promotional rate allows you to pay down existing debt without accruing interest during the introductory period, though a one-time transfer fee (around 3–5%) applies. Consistently making timely payments and paying off the full balance before the promotion ends is essential to maximize benefits.

While 0% balance transfer offers are valuable tools for debt management, they are not a quick fix. Responsible financial planning—reducing new debt, controlling expenses, and paying on time—is crucial. For example, transferring a $10,000 balance with a 3% fee to a 21-month 0% APR card can save approximately $1,000 in interest if paid off within the promotional window.

Remember, managing credit wisely and avoiding unnecessary debt is key. Balance transfers can be beneficial, but only when combined with disciplined financial habits and careful spending.