Best 0% APR & balance transfer cards

Card Details

• Balance-transfer focused card with matching 18-month 0% intro periods on purchases and transfers, plus a promise of no late fees, no penalty rates, and no annual fee.
• 0% intro APR on balance transfers and purchases for 18 months from date of account opening
• Balance transfers must be completed within 4 months of account opening
• No late fees, no penalty rate, and no annual fee
• Intro BT fee 3% (min $5) within first 4 months, then 5% (min $5)
• Intro APR: Purchases: 0%, 18 months from date of account opening; Balance Transfers: 0%, 18 months from date of account opening
• Regular APR: 17.49% - 28.24% (Variable)
• Annual Fee: $0
• Rewards Rate: No rewards
• Terms and conditions apply. Confirm details with the issuer before applying.

Card Details

• Long 0% intro period on purchases and qualifying balance transfers with no annual fee and optional cell phone protection.
• 0% intro APR for 21 months on purchases and qualifying balance transfers
• $0 annual fee
• Up to $600 cell phone protection ($25 deductible)
• BT fee of 5%, min $5 on transfers within 120 days
• Intro APR: Purchases: 0%, 21 months from account opening; Balance Transfers: 0%, 21 months from account opening on qualifying balance transfers
• Regular APR: 17.49%, 23.99%, or 28.24% Variable
• Annual Fee: $0
• Rewards Rate: N/A
• Terms and conditions apply. Confirm details with the issuer before applying.

Card Details

• No-rewards card built around a long 0% intro APR on purchases and balance transfers, with no annual fee and extras like Pay Over Time and free credit monitoring.
• 0% intro APR for 21 months on purchases and balance transfers
• Then 18.24% - 28.24% Variable APR
• $0 annual fee
• Chase Pay Over Time on eligible purchases
• Intro APR: Purchases: 0%, 21 Months; Balance Transfers: 0%, 21 Months
• Regular APR: 18.24% - 28.24% Variable
• Annual Fee: $0
• Rewards Rate: N/A
• Terms and conditions apply. Confirm details with the issuer before applying.

Card Details

• Rotating 5% quarterly categories with unlimited 1% elsewhere, first-year cash-back match, and a 15-month 0% intro APR on purchases and balance transfers.
• First-year Cashback Match doubles all cash back earned
• 5% back on activated quarterly categories up to the cap, then 1% unlimited
• 0% intro APR for 15 months on purchases and balance transfers (balance transfer fee applies)
• $0 annual fee
• Intro APR: Purchases: 0%, 15 months; Balance Transfers: 0%, 15 months; Balance transfer fee applies
• Regular APR: 17.49% - 26.49% (Variable)
• Annual Fee: $0
• Rewards Rate: 1% - 5% Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
• Terms and conditions apply. Confirm details with the issuer before applying.

Card Details

• Fee-free card aimed at debt payoff or big purchases, pairing a long balance-transfer intro APR with a shorter purchase intro APR and optional Flex Pay installments.
• 0% intro APR on balance transfers for 21 months and on purchases for 12 months from account opening
• Balance transfers must be completed within 4 months of account opening
• Intro balance transfer fee 3% (min $5) in the first 4 months, then 5% (min $5)
• $0 annual fee
• Intro APR: Purchases: 0%, 12 months from date of account opening; Balance Transfers: 0%, 21 months from date of account opening
• Regular APR: 16.49% - 27.24% (Variable)
• Annual Fee: $0
• Rewards Rate: No rewards
• Terms and conditions apply. Confirm details with the issuer before applying.

Card Details

• Customizable cash-back card that lets you pick a bonus category, with a first-year elevated rate, grocery and wholesale earnings, and preferred-rewards boosts for Bank of America customers.
• $200 online cash rewards bonus after $1,000 spend in the first 90 days
• Up to 6% back in your choice category the first year, then 3%
• 2% at grocery stores and wholesale clubs (combined quarterly cap applies)
• 0% intro APR for 15 billing cycles on purchases and eligible balance transfers
• Intro APR: 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days
• Regular APR: Variable APR that’s currently 17.49% - 27.49%
• Annual Fee: $0
• Rewards Rate: 1% - 6% Earn 6% cash back for the first year in the category of your choice, 2% at grocery stores and wholesale clubs, and unlimited 1% on all other purchases. After the first year from account opening, you'll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum
• Terms and conditions apply. Confirm details with the issuer before applying.