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Do you have high-interest credit card debt you're struggling to pay off?
You're not alone. In 2020, 57% of U.S. households carried a balance on their active credit card accounts. If you're suffering from high interest rate charges, transfer your debt to one of these balance transfer cards with 0% intro APR and start saving money.
Benefits: Take advantage of ultra-long intro APR 0% for 18 months on Balance Transfers. Every penny of your payment will go toward paying your debt for 18 months. If you have a big purchase, event or trip coming up, the Citi® Diamond Preferred® Card comes with an amazing 0% for 18 months on Purchases. Take over a full year to pay down your balance without worrying about interest piling up.
Not only is the regular APR of 13.74% - 23.74% (Variable) highly competitive amongst other offers, but the Citi® Diamond Preferred® Card also offers extra features that are usually only available on premium high-annual fee cards. Get free access to your FICO® score online. With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more. The annual fee is $0.
The Bottom Line: This is a simple, yet very powerful credit card. If you are interested in transferring a balance to a 0% intro APR card, this is our highest rated card for anyone carrying a large balance. The extra interest-free time could allow you to make significantly more headway paying down your balance. With its long-term 0% intro APR you can save hundreds in interest charges.
Benefits: The brand-new Wells Fargo Active Cash℠ Card is an absolute game-changer in the rewards space with the most impressive unlimited cash back rate we’ve ever seen on a no-annual-fee card. It all starts with its headline feature: cardholders earn unlimited 2% cash rewards on purchases with no restrictions on categories and no expiration date on rewards. Let that sink in – no other card on the market today offers such a high rate of truly unlimited cash back. So if you’re looking for a no-maintenance card that can help you maximize your returns on every purchase you make, this is absolutely it.
But this no-annual fee card isn’t just good for rewards – it’s also an excellent way to mitigate the cost of a large expense or get out of debt. The Wells Fargo Active Cash℠ Card offers over a year of 0% intro APR on purchases: 0% intro APR for 15 months from account opening on purchases, then 14.99%-24.99% (Variable) APR after that intro period is up. And if you’re transferring a balance from a high-interest credit card, you can get the same period of 0% intro APR: 0% intro APR for 15 months on qualifying balance transfers, then 14.99%-24.99% (Variable) APR after that. This gives you incredible flexibility in covering life’s unexpected (and often expensive) developments, and with this card’s already industry-leading rewards program you can feel confident always having this card in your wallet.
The Bottom Line: This card’s high rate of unlimited cash back rewards makes it unique among no annual fee cards – if you’re looking for the best unlimited cash back card on the market, you’ve found it.
Benefits: Imagine getting almost two years with 0% intro interest on a balance transfer. Reshape your financial picture with this industry-leading low-interest card from Citi.
For people who want to kick high-interest credit card debt to the curb, this is one of the best get-out-of-debt cards available. Transfer your high interest debt to this card with intro APR 0% for 18 months on Balance Transfers; after that, an APR of 14.74% - 24.74% (Variable) applies. Your payments will go directly to paying down your balance for nearly two years. That could save you hundreds of dollars in interest. Plus, you will get generous intro APR 0% for 18 months on Purchases, then 14.74% - 24.74% (Variable) APR after that. Citi keeps it simple. It’s the only card with no late fees, no penalty rate, and $0 annual fee. If you’re one to forget about a payment or two, this card is perfect for you.
Bottom Line: With its long-term 0% intro APR you could save hundreds in interest charges and pay off your debt faster. If you forget a payment, this card can save you money with $0 late fees, most credit cards charge around $35 for a late payment fees. Citi Simplicity® Card has one of the longest intro APR periods available and is one of the easiest credit cards to use.
Benefits: This card just upped its game, extending the intro APR period, making it one of the best balance transfer cards now available.
Take advantage of extra-long intro APR on purchases and balance transfers with this $0 annual fee card. Finance a new purchase with generous 0% Intro APR for 18 billing cycles for purchases then 12.99% - 22.99% Variable APR. That means no monthly interest charges will pile up during the promo period. Plus, stop paying high interest charges with 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days then 12.99% - 22.99% Variable APR so your payments can go entirely toward reducing your debt for over a year. And if you're a new cardholder, you can earn a $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening..
The Bottom Line: This easy-to-use card gives you tools to regain control over your financial life and puts time on your side to pay down debt faster. Unlike some other cards, there is no penalty APR. That means a late payment won’t automatically raise your interest rate. This card might not have a huge suite of flashy rewards, but if you're looking to save money on interest charges the BankAmericard® credit card is hard to beat.
Benefits: The Discover it® Balance Transfer credit card offers a blockbuster combination of 0% intro APR on purchases and balance transfers with the opportunity to earn 5% cash back at different places each quarter up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically. And that rewards program only gets better when you consider this card's astonishing sign-up feature: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. While this card has an incredibly competitive suite of rewards, where the Discover it® Balance Transfer credit card really sets itself apart from the competition comes in the form of the long periods of 0% intro APR on offer for both purchases and balance transfers. If you want to transfer debt from a high-interest credit card, you can enjoy an intro APR of 0% for 18 months on balance transfers, 11.99% - 22.99% Variable APR after that. Even better, you can use all that extra interest-free time combined with the cash-back rewards you'll earn to pay down your debt even faster! Plus, enjoy added flexibility on purchases with an intro rate of 0% for 6 months, followed by 11.99% - 22.99% Variable APR.
The Bottom Line: If you looking for a balance transfer credit card that teams up with a cash back rewards system, this card is right up your alley. It has a unique sign-up bonus system that doubles your cash back at the end of your first year. So if you’re in the market for a rewards card and would like to transfer your current balance, this card is perfect for you.
Benefits: The Bank of America® Customized Cash Rewards credit card starts off with lengthy periods of 0% intro APR on purchases and balance transfers. Enjoy 0% Intro APR for 15 billing cycles for purchases and then 13.99% - 23.99% Variable APR after that to help you pay off big ticket items without running up a large interest bill. And if you’re looking to consolidate debt, get 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days and then 13.99% - 23.99% Variable APR after that intro period is up.
But where this card really shines is in its unique three-tiered rewards program. You can earn 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% cash back on all other purchases and, if you’re a new cardholder, $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. And since this card has no annual fee, you can maximize your rewards without having to worry about extra costs.
Bottom Line: The Bank of America® Customized Cash Rewards credit card is one of our favorites because of its incredibly robust and flexible cash back program. If you find yourself wanting to switch up your spending frequently, this a card you shouldn’t pass up.
Benefits: We love unlimited cash rewards credit cards, so we were very excited to see the Bank of America® Unlimited Cash Rewards credit card hit the market with a fantastic rewards program, long periods of 0% intro APR on purchases and balance transfers and no annual fee. Like with most unlimited cash back cards, the rewards program is deceptively simple but incredible powerful: cardholders earn 1.5% cash back on all purchases, with no limit to the amount of cash back a cardholder can earn and no expiration date on those rewards. Beyond that, if you’re a new cardholder you gain access to a solid sign-up bonus: a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
The Bank of America® Unlimited Cash Rewards credit card is also an exceptional choice for those looking to limit interest payments, with over a year of 0% intro APR on purchases and balance transfers. Cardholders get 0% Intro APR for 15 billing cycles for purchases, with 13.99% - 23.99% Variable APR on purchases after that. It’s a little different on the balance transfer side: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days; after that, a rate of 13.99% - 23.99% Variable APR on balance transfers applies. When making a balance transfer, you’ll end up paying a fairly standard balance transfer fee: either $10 or 3% of the amount of each transaction, whichever is greater.
The Bottom Line: The combination of an amazing rewards program and welcome offer places this card in contention for the best unlimited cash rewards credit card with much more well-established offerings from other issuers – credit card reward lovers, take note!
Benefits: The U.S. Bank Altitude® Go Visa Signature® Card is a great choice for nearly everyone – right off the bat, this card makes transferring your current credit card balance easy with 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening and a 14.99% - 23.99%* (Variable) rate once the intro period is over.
Where this card really shines though is in its rewards. Earn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases. As if that wasn’t enough, this card also has a strong sign-up bonus. Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. Plus, all this comes with no annual fee.
The Bottom Line: Between an outstanding sign-up bonus, strong ongoing rewards and competitive intro APR period on balance transfers, the U.S. Bank Altitude® Go Visa Signature® Card is a great choice across the board.
Benefits: Take advantage of intro APR 0% for 15 months on purchases then 13.49% - 23.49% (variable) and intro APR 0% for 15 months on balance transfers then 13.49% - 23.49% (variable).
Earn more points on every purchase (even the little ones). The Citi Rewards+® Card is the only card that automatically rounds up every purchase to the nearest 10 points. That means when you buy a $2 coffee, you’d earn 10 points back. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. There is a low spending requirement to earn the sign-up bonus. Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com.
The Bottom Line: This attractive new rewards card from Citi includes long zero intro interest on both purchases and balance transfers, a nice sign-up bonus all with $0 annual fee. This is a great everyday rewards card with an attractive balance transfer offer.
Benefits: Take control of your finances with the Wells Fargo Platinum card with one of the longest 0% intro APR offers on balance transfers. This $0 annual fee card gives you long intro APR of 0% intro APR for 18 months on qualifying balance transfers and then 16.49%-24.49% (Variable) APR after that. If you only make the minimum payments on high-interest credit card debt, it could take years to pay it off. Using a card like this means every cent you pay during the intro period will go toward paying down your balance. Wells Fargo is also one of the few card issuers to offer generous cell phone protection. This card offers up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card.
The Bottom Line: This card's long period of 0% intro APR on balance transfers make this a great option if you're looking to get out of debt, and the fact that it has no annual fee means you won't have to worry about additional costs piling up when paying down your balance.
Apply now for one of these top balance transfer cards and say goodbye to high interest credit card debt.
*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.