Best Balance Transfer Credit Cards With 0% APR Of 2023

Do you want to manage all of your debt in one spot? If so, a balance transfer credit card might be something to consider. It doesn’t matter what provider you choose; you can move your balance from one card to another. As a newcomer, you can potentially enjoy a cheaper interest rate at first.

Remember that if you are not careful, a balance transfer may have an impact on your credit score. Your score will be unaffected, though, if you just move your balance. These cards’ primary objective is to transfer your debt to a card with a better interest rate. Some credit cards even provide a 0% APR introductory period.

Balance Transfer Credit Cards: Best Offers

The benefits of a balance transfer credit card are appreciated by many people. Since there are so many possibilities, the market is competitive. When you get the chance to decide, make sure to consider all of your options.

Before you make a choice, evaluate what you need and what you can afford. Different cards offer different features. Remember that not everyone qualifies for every card. Therefore, to guide you in making a decision, we have chosen the best balance transfer cards with 0% APR!

Balance Transfer Credit Cards: Best Offers

U.S. Bank Visa® Platinum Card

If you want a balance-transferring card with a lucrative offer, the U.S. Bank Visa® Platinum Card could be for you. To accommodate your own pay schedule, you can even select a payment date.

The fact that you get 0% APR for the first 18 billing cycles is everyone’s favorite feature of this card! This deal is valid for all balance transfers.

APR ranges from 17.49% to 27.49% after those first 18 cycles. This visa card does not charge an annual fee.  Despite the lack of incentives and bonuses, this card is a great choice for paying off substantial expenses. You must have a credit score between 690 and 850 to be eligible.

  • 0% APR for the first 18 billing cycles
  • No annual charges 
  • Payment schedule is flexible
  • There are no additional rewarding programs

Citi Rewards+® Card

Citi Rewards+ Card

Do you routinely spend smaller amounts of money? Are you looking for the best rewards card with a balance transfer option? Look into the Citi Rewards+® Card if that’s the situation!

The 0% APR balance transfer period for the first 15 months is the best feature of this card. After that, depending on your credit score, it ranges from 16.49% to 26.49%. To qualify for this card, you must have a credit score between 690 and 850. With their fantastic welcome offer, you can get up to 20,000 bonus points.

  • No APR for 15 months
  • Balance transfer is simple
  • Other reward options
  • Maximum spending limits
  • Redeeming is not that simple

Bank of America® Customized Cash Rewards Credit Card

Bank of America Customized Cash Rewards Credit Card

The Bank of America® Customized Cash Rewards Credit Card not only lets you select your own bonus category, but it also makes balance transfers simple. On a variety of purchases, extra rewards are available. In addition, during the first 18 billing cycles, all balance transfers will have a 0% APR.

The variable regular APR ranges from 16.99% to 26.99%. There is no yearly fee for this balance transfer credit card. To be eligible, you must have a strong or outstanding credit score (690-850). In the first 90 days, you can earn incentives worth up to $200.

  • Best intro offer
  • 0% APR on the first 18 billing cycles
  • No yearly fees
  • You need good credit history to apply

Citi® Double Cash Card

Citi Double Cash Card

The Citi® Double Cash Card is the best option for consumers seeking a high rewards percentage. With this card, you receive a 2% rate on all purchases, even bill payments. Additionally, it is a great balance transfer choice.

The reason for this is that for the first 18 months after opening your account, there is a 0% APR, just like with the Visa Platinum from the U.S. Bank!

Regular Annual Percentage Rate ranges from 16.99% to 26.99%. Your credit score must be between 690 and 850, but like with most Visa cards, there is no annual fee. Once the initial 18 months are up, your credit score will also have an impact on your APR.

  • 19 months with 0% APR
  • Best rewards
  • Great introductory deal
  • Your credit score must be good or excellent
  • No additional rewards categories

BankAmericard® Card

BankAmericard Card

The BankAmericard® Card is the ideal credit card for balance transfers, even though rewards may not be its strongest suit. It is a great tool for organizing and paying off your debt.

They offer 0% APR for the first 21 billing cycles, which is longer than other cards with comparable features do.

The APR will then change in the following range depending on your credit score: 14.99%-24.99%. The credit cards best feature is the absence of an annual fee, much like this one. However, keep in mind that you must have a credit score between 690 and 850 to be eligible.

  • Annual fee is $0
  • Great intro offer
  • No bonuses

Wells Fargo Reflect® Card

Wells Fargo Reflect Card

The Wells Fargo Reflect® Card is ideal if you want to pay off debt while taking a break from high-interest rates. You can use this cash back credit card to finance a sizable purchase for the first 21 months at no interest. This applies to 0% APR on all eligible balance transfers!

After the initial 21 months, your APR will range from 15.99% to 27.99%. Your credit score, which must be strong or exceptional (690-850), will determine whether you are approved. The best aspect is that there are no annual fees!


  • 0% APR for a long time
  • There are no yearly fees


  • Not rewarding
  • You need good/excellent credit score

Citi Simplicity® Card

Citi Simplicity Card

Do you wish to pay off debt without incurring excessive fees? You can best accomplish that with 0% APR for 21 months thanks to the Citi Simplicity® Card! This time only applies to balance transfers, but you can still enjoy 12 months of interest-free purchases!

After that time, the Annual Percentage Rate will range from 16.99% to 27.74%. You must have a good or excellent credit score to qualify, and there is no annual charge, just like with many Visa cards. Additionally, there are no additional fines or fees for late payments.


  • There is no annual fee
  • No late payment charges
  • 21 months with 0% APR


  • No discounts or bonuses
  • There are no rewards

Citi® Diamond Preferred® Card

Citi Diamond Preferred Card

While the Citi® Diamond Preferred® Card may not be best for rewards, it is undoubtedly ideal for balance transfers. In the first 21 months following account opening, you can pay off your loan at 0% APR. Then, you will be able to transfer your balance at a variable APR in the following range: 15.99%-26.74%.

Unlike most cards of this type, there is no annual fee and no late payment cost.

With this balance transfer credit card, you are eligible to earn a $150 statement credit as an introductory promotion. Numerous more benefits come with the Citi® Diamond Preferred® Card, including exclusive access to tickets for certain events.


  • Numerous other perks
  • No annual cost
  • No APR for 21 months


  • Your credit score must be in the range (690-850)

What Is a Balance Transfer?

A balance transfer might be the ideal option to handle all of your borrowings and consolidate them into one account. This essentially means that you will combine all of your debt from many credit cards into one. The biggest advantage is not only having everything in one place but also the likelihood of getting lower rates.

Also, keeping an eye out for cards with 0% introductory APRs may be helpful. There is a possibility of avoiding interest rates for a little while, which could be extremely useful. With a balance transfer credit card, you can easily pay off debt or finance a large purchase.

What Is a Balance Transfer

What is a 0% balance transfer?

There are numerous credit cards available on the market that offer 0% APR for the first couple of months. Some even offer interest-free terms of up to 21 months. This essentially means that you can consolidate all of your debt into one place and start paying it off without interest.

You can save money and pay off your debt considerably more quickly by choosing this option. Check out this option if you have a strong credit rating. This can help you manage your money a lot more efficiently!

How does a balance transfer work?

Cards with balance transfers let you roll over debt and repay it at a lower interest. Many factors can impact the entire process. However, the first part is selecting the appropriate card for you and submitting your application. Verify that you meet the requirements and that it is the optimal option for you.

After that, start the transfer process to consolidate all of your debt. Use the introductory 0% offer as soon as you receive it. Make regular payments each month and pay off as much debt as you can.

How to Choose a Balance Transfer Credit Card?

Having many alternatives is both a benefit and a drawback. It gives you a variety of options, but it also means that you need to choose wisely. The same applies to balance transfer credit cards without an interest rate.

You can follow the three steps below:

  1. Check Your Credit Score
    Check your eligibility before applying for a credit card. A good or exceptional credit score is necessary for the majority of 0% APR cards.
  2. Review the Time Frame for Completing a Balance Transfer
    Check the turnaround time and make sure the process is straightforward and short.
  3. Consider How Much Time You Need to Repay Debt
    To find out which card offers the longest period of interest-free use, compare your options. Determine which card will provide you sufficient time to pay off your debt by taking into consideration your circumstances.

How to Use a Balance Transfer Card

You can use the balance transfer card to make purchases, even though it is typically used for debt payoff. But keep in mind that there could be interest rates brought on by spending. Be sure to double-check that one!

Your balance transfer card’s primary goal is to assist you in better managing your finances. Repay your debts and save at the same time. This card can help you handle your money more wisely and responsibly.

What Should I Look For In a Balance Transfer Credit Card?

When it comes to balance transfer credit cards, the key considerations to keep in mind are the following:

Who Can Qualify For a Balance Transfer Credit Card?

Balance transfer card issuers normally require a good or exceptional credit score, which is 670 or higher, to qualify. You cannot obtain a debt transfer card from the same credit card provider to which you currently owe a balance. So you cannot use a Bank of America balance transfer card to pay off a debt from another Bank of America card.

How Long Does a Balance Transfer Take?

Moving a balance over from one credit card to another is known as a balance transfer. Normally, this process requires 5 to 7 days. Some credit card companies, on the other hand, can take 14 to 21 days to process a balance transfer, such as a Visa Platinum card.  The amount of time credit card companies must take to complete a debt transfer is not governed by any clear regulations.

Remember that different lenders and banks have different processing times for balance transfers.

Take a look at your credit card account to see if your balance transfer has been finalized. You may easily follow the progress of your balance transfer if your lender offers you the ability to check its status online.


Overall, balance transfer credit cards are an excellent way to manage all your debt on the same card. Most credit card providers will give you a 0% APR period as a part of the welcome bonus. That way, you can start paying off the debt at no interest rates!

There are many cards that offer this commodity, such as the Citi Rewards+® Card or U.S. Bank Visa® Platinum Card. A lot of them are not just good for balance transfers but also have a great rewarding program. Look into different options when making your decision!


  • Do balance transfers hurt my credit?

Yes, balance transfers can have an impact on your credit score. If you do not pay off your debt regularly or open a new card for this purpose, your score might be affected. However, if you simply move your balance around on the cards you already have, you are good!

  • How long is the average balance transfer offer?

Balance transfers are usually completed within one week. This solely depends on the bank/lender. Some have a longer process than others.

  • What types of debt can I transfer with a balance transfer credit card?

Depending on your provider, there are many types of debt you can transfer. For example, student loans, car, personal, and home loans.

  • Which is the best bank for balance transfer?

One of the best banks for these cards is Citibank. They provide multiple balance transfer cards. On most of them, there is an intro APR of 0%.

  • Is it worth having a balance transfer?

If you have a lot of loans and a large debt, this card can certainly be beneficial. You might be able to save up a significant amount if your card does not have APR at the beginning.

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