4 Best Balance Transfer Credit Cards with 0% APR

Long story short, sometimes life hits hard. And, sometimes you’re left with a large balance on your credit card. And, often times, paying off this card within the month is difficult. You start to accrue a high interest each month, which gets added to your total balance, and paying it off gets harder and harder. If this sounds familiar, you’re not alone! After personal life events happened, I was left with a high card balance and unsure of how I would be able to pay it off. Each month’s interest began to add up and increase the balance. I began to panic, until I head of Balance Transfer Credit Cards.

Balance Transfer Credit Cards are credit card that allow you to to move high-interest debt to a low-interest credit card. Often times, the credit card will offer 0% APR for about a year. Transferring your debt can help save you hundred- if not thousands- of dollars that could be applied to your debt.

Below are the four best cards I found that are beneficial in multiple ways. 1) 0% APR for at least a year, 2) allow a high balance transfer of at least $1,000+, and 3) work to benefit me even after the balance transfer is paid off.

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American Express Everyday Credit Card

Annual Fee Regular APR Intro APR $0 Annual Fee 14.49% – 25.49% 0% Intro on
Variable APR purchases and
balance transfer
for 15 months

* Recommended credit score ranges from 690-850. A one time balance transfer amount will be given to customers. If the amount is used in full, no other balance transfer can occur.

Benefits of this card
– 0% Intro APR on purchases and balance transfers for the first 15 months from account opening
– Late Fee Waiver
– $0 balance transfer fee
– $0 Annual Fee
– No liability for unauthorized purchases
– Earn points that can be redeemed for cash, travel, or shopping

Discover it Balance Transfer Credit Card

Annual Fee Regular APR Intro APR
$0 Annual Fee 13.49% – 24.49% 0% Intro on
Variable APR purchases for 6
months and 0% on
balance transfers
for 18 months

* Recommended credit score ranges from 690-850. The card comes with an introductory 3% intro balance transfer fee, up to 5% fee on future balance transfers.

Benefits of this card
– Discover will match ALL the cash back you’ve earned at the end of your first year. There is no limit
– Earn 5% cash back at different places each quarter: gas stations, grocery stores, restaurants
– Rewards never expire
– No Annual Fee
– Notifies you if your social security card number is found on the Dark Web sites


BankAmericard Credit Card

Annual Fee Regular APR Intro APR $0 Annual Fee 14.74% – 25.74% 0% on purchases
Variable APR for 18 billing
cycles and 0%
on balance transfer
for 18 billing cycles

* Recommended credit score ranges from 690-850. A balance transfer fee applies- either $10 or 3% of the amount of each transaction, whichever is greater.

Benefits of this card
– 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR ends, a variable APR will apply.
– A 3% fee (minimum $10) applies to all balance transfers
– $0 Annual Fee
– No penalty APR. Paying late will not increase your interest rate.
– Free access to your FICO┬«  Score


HSBC Gold Mastercard Credit Card

Annual Fee Regular APR Intro APR $0 Annual Fee 12.74% – 20.74% 0% APR on
Variable APR purchases and
balance transfers for
the first 18 months

* Recommended credit score ranges from 690-850. The card charges a balance transfer fee of 4% or $10, whichever is higher. It does not offer rewards and does not allow same- issuer transfers.

Benefits of this card
– 0% Intro APR on purchases and balance transfers for the first 18 months
– No Foreign Transaction Fees
– $0 Annual Fee
– Late Fee waiver
– No Liability for unauthorized purchases

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Have a balance transfer card you prefer? Leave it below in the comments!

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