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Home » 10 Best Balance Transfer Credit Cards With 0% Intro APR

10 Best Balance Transfer Credit Cards With 0% Intro APR

December 13, 2020 By Debra Schroeder 59 Comments This post may contain affiliate links. Traveling Well For Less has partnered with CardRatings for our coverage of credit card products. Traveling Well For Less and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author's alone, and have not been reviewed, endorsed or approved by any of these entities. Read my disclosure and privacy policies.

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It’s that time of the year. The holidays are here and the bills haven’t started coming in yet. But they will. Here are the best balance transfer credit cards.

Did you go a little overboard and spend more than you planned on holiday gifts?

Had a month, two, three, of 12 where Murphy’s Law took control: the car broke down, dental emergency, etc.

Planning several big purchases like a remodel or college tuition?

Need a little breathing room from credit card debt?

Looking for a 0% interest card?

A balance transfer card might be for you.

I’ve written about the best travel rewards credit cards, the best card for travel hacking, the best travel rewards cards that earn points and cash with a welcome bonus, and how to travel for free with travel rewards cards.

This post was originally published on January 6, 2020, and was updated on December 13, 2020.

Contents

  • 10 Best Balance Transfer Credit Cards With 0% Intro APR
  • U.S. Bank Platinum Visa
  • U.S. Bank Altitude Go
  • Citi Double Cash Card
    • LEARN MORE ABOUT THIS CARD.
    • Find a balance transfer card.
  • Wells Fargo Cash Wise Visa Card (learn more)
  • Chase Freedom Unlimited
  • Capital One Quicksilver Cash Rewards Credit Card
  • Chase Freedom Flex
  • ABOC Platinum Rewards Credit Card
  • Blue Cash Preferred Card from American Express
  • Blue Cash Everyday Card from American Express
  • Capital One SavorOne Cash Rewards Credit Card
  • How 0% APR Balance Transfer Credit Cards Work
  • Conclusion

10 Best Balance Transfer Credit Cards With 0% Intro APR

Sometimes we all need a little help. Travel can be expensive especially if you charge everything to your credit card. That’s where a balance transfer credit card comes in.

Balance transfer credit cards let you move debt from one card to another card.

Transferring your balance from one credit card to another credit card can save a lot of money.

With 0% balance transfer credit cards you don’t have to pay interest on the transferred balance.

Each card has specific terms of how long you can avoid interest payments. The most common offers are 12 months, 15 months, 18 months, and 21 months.

Some people use balance transfer cards as a way to consolidate debt. Because when combined with budgeting you can get out of debt faster.

These are the 10 best balance transfer credit cards with 0% intro APR almost all have no annual fee.

Almost all of these cards offer a welcome bonus and a few let you earn points so you can travel for free.

Note: As of June 2020, some cards have temporarily stopped offering 0% APR on balance transfers.

U.S. Bank Platinum Visa

The U.S. Bank Platinum Visa card is the best balance transfer credit cards with 0% intro APR on purchases and balance transfers for 20 months.

You won’t pay interest on your purchases or transferred balances for 20 months. That’s almost two years interest-free!

Pro-tip: This could be a good option if you need some breathing room from debt and to get your finances back on track.

There’s no annual fee on the U.S. Platinum Visa Card.

You get up to $600 in cellphone coverage for damage and theft when you use your card to pay your phone bill.

There’s a $5 or 3% balance transfer fee, whichever is greater.

U.S. Bank Altitude Go

The U.S. Bank Altitude Go card is the best balance transfer credit cards with 0% intro APR on purchases and balance transfers for 12 months.

For the first 12 months, you don’t pay interest on your transferred balance. It’s a one-year interest-free loan.

The no annual fee U.S. Bank Altitude Go Card offers 25,000 points when you spend $1,000 on purchases in the first 3 months of having your card.

Points can be used for $250 cash back!

You earn 4x points at restaurants including takeout and delivery, 2X points at grocery stores including delivery, gas stations, and streaming services; 1x point on everything else.

There’s a $5 or 3% balance transfer fee, whichever is greater.

Citi Double Cash Card

The Citi Double Cash Card is the best balance transfer credit card with 0% intro APR on balance transfers for 18 months.

If you want 18 months of interest-free payments, consider getting the Citi Double Cash card.

This card offers no annual fee and 1% unlimited cash back on all purchases plus an extra 1% cash back when you make your minimum payments.

There’s a 3% balance transfer fee with a $5 minimum.

LEARN MORE ABOUT THIS CARD.

Find a balance transfer card.

Wells Fargo Cash Wise Visa Card (learn more)

The Wells Fargo Cash Wise Visa Card (learn more about this card) is the best balance transfer credit card with 0% intro APR on balance transfers and purchases for 15 months plus cell phone protection.

This card has a $150 bonus when you spend $500 on purchases in the first 3 months of account opening.

You earn unlimited 1.5% cash back and there is 0% intro APR on new purchases for the first 15 months.

When you use this card to pay your cell phone bill you get up to $600 cell phone insurance protection against damage or theft. This can come in handy if you drop your phone.

The Wells Fargo Cash Wise Visa Card has no annual fee.

There’s a 3% balance transfer fee or $5, whichever is greater.

Chase Freedom Unlimited

The Chase Freedom Unlimited is the best balance transfer credit card with 0% intro APR on purchases for 15 months. As of June 2020, this card has temporarily stopped offering 0% APR on balance transfers.

The Chase Freedom Unlimited offers a $200 bonus when you spend $500 on purchases in the first 3 months of opening your card.

Combine the welcome offer with 0% intro APR on new purchases for your first 15 months and it’s like spending $500 but only paying $350.

You earn 5% cash back at grocery stores (up to $12k) your first 12 months, 3% cash back at restaurants and grocery stores, and an unlimited 1.5% cash back on everything. So you can your cash back towards paying off your balance.

Or transfer points to cards like the Chase Sapphire Preferred or Ink Business Cash and use for free flights and hotel rooms.

Because there’s no annual fee, this is a great card to keep to help build your credit and credit score.

There’s a $5 or 5% balance transfer fee, whichever is great.

Pro-tip: During your first 60 days, the intro balance transfer fee is 5% or $5 whichever is greater.

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card is one of the best balance transfer credit cards with 0% intro APR on purchases for 15 months. As of July 2020, this card has temporarily stopped offering 0% APR on balance transfers.

You don’t pay interest on your transferred balance for the first 15 months. This means you can pay down your debt faster.

The Capital One Quicksilver Cash Rewards Credit Card has a one-time bonus of $150 when you spend $500 on purchases in the first 3 months of opening your card.

You earn 3% unlimited cash back on dining and entertainment, 2% cash back at grocery stores, and 1% on everything else.

There’s no annual fee so this is a great card to keep.

There’s a 3% balance transfer fee.

Chase Freedom Flex

The Chase Freedom Flex is one of the best balance transfer credit cards because it offers 0% intro APR on purchases for 15 months. As of June 2020, this card has temporarily stopped offering 0% APR on balance transfers.

This means you get a 15-month interest-free loan on your transferred balance and new purchases.

You can earn a $200 bonus from the Chase Freedom Flex after spending $500 on purchases in the first 3 months of opening your card.

All purchases earn an unlimited 1% cash back.

You can transfer points to cards like the Chase Sapphire Preferred or Ink Business Cash for free airplane tickets and hotel stays.

The Chase Freedom Flex is a great card to maintain good credit because there’s no annual fee.

There’s a $5 or 5% balance transfer fee, whichever is greater.

Pro-tip: This card has a foreign transaction fee so you you don’t want to use it outside of the United States.

ABOC Platinum Rewards Credit Card

The ABOC Platinum Rewards Credit Card is the best balance transfer credit card with 0% intro APR on new purchases for 12 months.

You can earn a $150 statement credit after spending $1,200 on purchases in the first 90 days of opening your ABOC Platinum Rewards credit card.

This no annual fee card offers 5X rewards points (up to $1,500) every quarter on categories like travel, groceries, dining, and automotive.

Balance transfer fee is 3% with a minimum of $5.

Blue Cash Preferred Card from American Express

The Blue Cash Preferred Card from American Express is one of the best balance transfer cards with 0% intro APR for 12 months and offers up to 6% cash back.

You can earn a statement credit of $300 and no annual fee (the first year only) after spending $3,000 on purchases in the first 3 months of opening your account. This offer expires on December 10, 2020.

This card offers 6% cash back on select streaming subscriptions. So you won’t feel guilty about being a couch potato and catching up on your shows.

You earn 3% cash back on rideshares, taxis, trains, buses, parking, tolls, and more. This is great is you live in a city like New York with great public transportation.

At US supermarkets you get 6% cash back up to $6,000 a calendar year, then it goes to 1%.

On purchases at US gas stations, you earn 3% gas back and 1% on everything else.

The only bummer about this card is the $95 annual fee. But you can easily earn enough cash back to make it worth paying.

Balance transfer fee is 3% or $5, whichever is greater.

Blue Cash Everyday Card from American Express

The Blue Cash Everyday Card from American Express is one of the best balance transfer credit cards with 0% intro APR on purchases for 15 months. As of July 2020, this card has temporarily stopped offering 0% APR on balance transfers.

You can earn a statement credit of $100 after spending $1,000 on purchases in the first 3 months of opening your account.

This no annual fee card offers 3% cash back at US supermarkets, up to $6,000 a calendar year, then it goes to 1%.

On purchases at US gas stations, you earn 2% gas back and 1% on everything else.

The Balance transfer fee is 3% or $5, whichever is greater.

Capital One SavorOne Cash Rewards Credit Card

The Capital One SavorOne Cash Rewards Credit Card is one of the top 10 best balance transfer credit cards with 0% intro APR on purchases for 15 months. As of June 2020, this card has temporarily stopped offering 0% APR on balance transfers.

The Capital One Savor Cash Rewards Credit Card has a one-time bonus of $200 after you spend $500 on purchases in the first 3 months of opening your card.

All purchases earn unlimited 3% cash back on entertainment and restaurants, 2% at grocery stores, and 1% on everything else.  You pay 0% intro APR on new purchases for the first 15 months.

You’ll want to keep this card because there’s no annual fee.

There’s a 3% balance transfer fee.

How 0% APR Balance Transfer Credit Cards Work

A credit card with a 0% interest on balance transfers means interest is not charged on transferred debt.

If a credit card offers 0% APR on balance transfers for 15 months you aren’t charged interest for 15 months on that transferred balance.

Using a balance transfer card doesn’t mean you don’t have to make your payments. You still have to make payments on your debt but aren’t charged interest.

Think of it as an interest-free loan.

Let’s say you have a $10,000 balance on your credit card with a 27.29% interest rate. Your minimum monthly payment is at least $228 which only covers the interest and not your debt.

It will take you 22.2 years to pay off your balance! And you’ll have paid $50,523.48 in interest!

You can transfer your debt to a 0% balance transfer card like the Chase Freedom Unlimited which offers 0% intro APR interest on balance transfers for 15 months.

All your payments will go toward paying off your debt.

By the end of 15 months, you’ll only owe $6,580 on your transferred balance.

If you’re able to pay extra each month, you can reduce your debt faster.

Pro-tip: You can transfer this balance to another 0% balance transfer card. Repeat until you pay off your debt.

This works best if you aren’t adding extra debt to your existing debt.

Be sure to pay your bill on time or early. With some 0% offers, if you pay your bill late, it cancels your 0% rate. 🙁

The best way to use balance transfer cards is to pay down your debt.

Conclusion

Balance transfer credit cards can save you money and help you get out of debt faster. These are the best balance transfer credit cards with 0% intro APR:

  • U.S. Bank Platinum Visa: best balance transfer card with 0% intro APR on purchases and balance transfers for 20 months
  • U.S. Bank Altitude Go: best balance transfer card with 0% intro APR on purchases and balance transfers for 12 months
  • Chase Freedom Unlimited: best balance transfer credit card with 0% intro APR on balance transfers and purchases for 15 months
  • Capital One(R) Quicksilver(R) Cash Rewards Credit Card: best balance transfer credit card with 0% intro APR on balance transfers and purchases for 15 months
  • Chase Freedom: best balance transfer credit cards because it offers 0% intro APR on balance transfers and purchases for 15 months
  • ABOC Platinum Rewards Credit Card: best balance transfer credit card with 0% intro APR for 18 months and 0% intro APR on new purchases for 12 months
  • Blue Cash Preferred Card from American Express: best balance transfer card with 0% intro APR for 12 months and offer up to 6% cash back
  • Citi Double Cash Card : best balance transfer credit card with 0% intro APR on balance transfers for 18 months
  • Blue Cash Everyday Card from American Express: best balance transfer credit card with 0% intro APR on purchases and balance transfers for 15 months
  • Capital One(R) SavorOne(SM) Cash Rewards Credit Card: best balance transfer credit cards with 0% intro APR on purchases and balance transfers for 15 months.

Whether you want to save money on interest to pay off your balances sooner, need a little breathing room from high interest rates, or have upcoming large purchases, balance transfer cards can help. You can move your debt from your other cards to balance transfer credit cards with 0% intro APR.

Which are your favorite balance transfer cards?
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Traveling Well For Less has partnered with CardRatings for our coverage of credit card products. Traveling Well For Less and CardRatings may receive a commission from card issuers.


Chase Sapphire Preferred

The Chase Sapphire Preferred is the best card for beginning travel hackers. It is the first card you should get to start traveling for free because the welcome offer is 60,000 points (after spending $4,000 in the first three months).
 
My favorite perks about this card are earning 2X points on travel and dining, no foreign transaction fees, and transferring points to 13 airline and hotel partners like Hyatt, United, and Southwest.
 

Learn more about this card and how to apply



Chase Freedom Unlimited

The Chase Freedom Unlimited is one of my favorite cards for earning cash back card and travel rewards. It offers a welcome offer of $200 (after spending $500 in the first three months).
 
My favorite perks about this card are earning 5% cash back at grocery stores the first 12 months (up to $12k), unlimited 1.5% cash back on all purchases and no annual fee. When paired with cards like the Chase Sapphire Reserve, you can use your points to travel for free.
 

Learn more about this card and how to apply

Filed Under: Miles and Points, Travel, Travel Tips Tagged With: balance transfer credit cards

About Debra Schroeder

Debra is a former 12-year travel industry executive and has traveled the world using airline miles and credit card points since 1994. She'll teach you the secrets of traveling well for less.

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Comments

  1. The below responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
  2. Rhonda Albom says

    January 6, 2020 at 8:12 pm

    Sometimes I think I live in a bubble. I never heard of these types of credit cards, but they sure sound like they could be quite useful to people who overspend. Of course, the bonuses encourage people to go farther into debt, but I guess that’s how the credit companies make their money. This page, especially your conclusion, is a useful tool for people who need it

    Reply
    • Debra Schroeder says

      January 9, 2021 at 7:47 pm

      Hi Rhonda,

      When using with budgeting, balance transfer cards are a great way for someone to pay off their debt. Thanks, glad you found the post useful.

      Reply
  3. Marion (Red Nomad OZ) says

    January 7, 2020 at 1:43 am

    I’m not sure how many of these cards are available down here in Australia, which may explain why I’ve never considered using one before. I’m probably too paranoid to take advantage of the benefits of card-hopping, especially as they all have transfer fees and minimum spends in order to reap the rewards, but I can see how they could be used to reduce debt if you were disciplined in making repayments. For those who need them, it’s good to know what’s available.

    Reply
    • Debra Schroeder says

      January 9, 2021 at 7:48 pm

      Hi Marion,

      Yeah, I’m not familiar with Australian credit cards so I couldn’t say whether they’re available in Oz. Definitely a useful tool to lower debt if used correctly.

      Reply
  4. Danik says

    January 7, 2020 at 3:07 am

    As a British person, i don’t think we have half of these sort of credit cards over here and what they can offer. We have 0% balance tranfers etc but we keep it plain and simple here. These sound all good offers but the companies are profiting off peoples bad debt. I know they got to make money but for me, I dont like it. However I need to search for that credit card over here to give me excellent air miles. 😀 (I am one of these guys who puts stuff on the credit cards and quickly repays it)

    Reply
    • Debra Schroeder says

      January 9, 2021 at 7:51 pm

      Hi Danik,

      There are quite a few cards available for UK residents that earn miles. Off the top of my head, BA and Lufthansa offer cards, and I’m sure there are a few others as well.

      Reply
  5. Linda (LD Holland) says

    January 7, 2020 at 4:42 pm

    We are always fascinated by the variety of credit cards that are available in the U.S. I am not sure what cards are available in Canada for balance transfer. We try to pay our cards off each month. But I understand why balance transfer may be attractive for some.

    Reply
    • Debra Schroeder says

      January 9, 2021 at 7:51 pm

      Hi LD,

      There are quite a few cards for Canadians but not sure if you have the balance transfer cards.

      Reply
  6. Fae Celine says

    January 7, 2020 at 5:13 pm

    I did not have much knowledge about balance transfer credit cards. I usually just pay credit card bills every month. This is very informative and helpful to those who are interested in the balance transfer card

    Reply
    • Debra Schroeder says

      January 9, 2021 at 7:52 pm

      Hi Fae,

      Glad you enjoyed the post.

      Reply
  7. AMAR SINGH says

    January 8, 2020 at 7:04 am

    I must admit these are handly but there is not so much choice available here in the UK vs the USA. They are a great way to consolidate and pay with interest free facility and spread the payments. I have used capital cards here in the UK previously and they did really help. Thanks for sharing something that we could all benefit from whether ravel related or not. You can either benefit from the 0% installments or collect miles and travel more .

    Reply
    • Debra Schroeder says

      January 9, 2021 at 7:53 pm

      Hi Amar,

      I’m not sure if balance transfer cards are available in the UK. But there are quite a few airline cards. Glad you liked the post.

      Reply
  8. Indrani says

    January 8, 2020 at 9:20 pm

    I am not aware if such facilities exist on the credit cards here in India. This does sound very helpful, especially from the calculation you showed on $10,000 balance on credit card. I like the idea of how balance transfer credit cards help save money. The welcome offer is quite tempting 😉 🙂

    Reply
    • Debra Schroeder says

      January 9, 2021 at 7:53 pm

      Hi Indrani,

      I don’t know if you have this option in India. Thanks, glad you like the breakdown of how expensive it is to have credit card debt.

      Reply
  9. Pashmina Binwani says

    January 9, 2020 at 6:30 am

    Living in Asia and we don’t even have this! I wish we had more options like the chase freedom card where you have no interest for the first 15 months – that’s insane! I wish every country could use this guide to build something more similar, it’ll make life so much easier and we’ll be able to be on the road as much as possible!

    Reply
    • Debra Schroeder says

      January 9, 2021 at 7:54 pm

      Hi Pashmina,

      That’s such a shame you don’t have these cards available in Asia.

      Reply
  10. daniel says

    January 10, 2020 at 11:11 am

    I don’t normally have any piece of great knowledge on credit cards and it is quite fresh to read something related to it. I guess it helps you a lot with your traveling too with all the points, credits, and tie-ups. I would definitely love to try whichever of the cards will be available back at where I stay.

    Reply
    • Debra Schroeder says

      January 9, 2021 at 7:54 pm

      Hi Daniel,

      Hope you get a chance to.

      Reply
  11. Lisa says

    January 4, 2021 at 10:36 am

    A very timely post for me, as I’m looking to do a balance transfer. The Blue Cash Everyday from Amex looks like the best deal for me.

    Reply
    • Debra Schroeder says

      January 4, 2021 at 1:45 pm

      Hi Lisa,

      Awesome, glad the post helped. The 3% at groceries stores is a nice perk.

      Reply
  12. Ashlee says

    January 5, 2021 at 4:04 am

    I had no idea there was such a thing as Balance Transfer Credit Cards! This is wild lol. Thank you for not only sharing but breaking them down so cleanly and clearly, I actually understood what they are, how they work and now I can look through the options you provided, knowing what to look for that would best help me. Thanks loads!

    Reply
    • Debra Schroeder says

      January 6, 2021 at 8:57 am

      Hi Ashlee,

      Balance transfer cards are a great option to help pay off debt. You are welcome. So glad you found the post informative and easy to understand.

      Reply
  13. Melissa Dixon says

    January 5, 2021 at 6:01 am

    Knowing all of the details before getting into a credit card situation is always good. Thanks for the info!

    Reply
    • Debra Schroeder says

      January 6, 2021 at 8:59 am

      Hi Melissa,

      Very true and that’s where balance transfer cards can help. If you have high-interest credit cards you can transfer those balances to a 0% intro APR card. You’ll pay no interest for the set period and hopefully, can apply that extra money to your debt.

      Reply
  14. Melissa M Sanchez says

    January 5, 2021 at 6:28 am

    Great article. I think this is a great way to reduce debt. 0APR helps so much.

    Reply
    • Debra Schroeder says

      January 6, 2021 at 9:00 am

      Hi Melissa,

      Yep, 0% intro APR cards are a great way to reduce debt. Glad you enjoyed the article.

      Reply
  15. Catherine says

    January 5, 2021 at 8:49 am

    Chase has a great program with lots of rewards. Thanks for breaking it all down! I’m sure a lot of people will find this information helpful!

    Reply
    • Debra Schroeder says

      January 6, 2021 at 9:03 am

      Hi Catherine,

      Chase has one of the best travel rewards programs. Right now, they aren’t doing balance transfers so choose a bank like Citi and Wells Fargo.

      Reply
  16. Phoebe says

    January 5, 2021 at 9:44 am

    These sort of credit cards aren’t available in France (where I live) and it’s actually rather hard to swap banks/cards here too so I always feel a little jealous (and frustrated) when I read travel hacks like this. I’d love to earn rewards as I spend but unless I move country it’s not going to happen!!

    Reply
    • Debra Schroeder says

      January 6, 2021 at 9:29 am

      Hi Phoebe,

      That’s a bummer. I didn’t realized you couldn’t get balance transfer cards in France. Thankfully, you can get airline travel rewards cards.

      Reply
  17. Sondra Barker says

    January 5, 2021 at 2:25 pm

    Awesome! What a great read filled with important information! Thanks for sharing.

    Reply
    • Debra Schroeder says

      January 6, 2021 at 9:30 am

      Hi Sondra,

      Glad you enjoyed the post.

      Reply
  18. Shannon Gurnee says

    January 5, 2021 at 11:19 pm

    This is some great information when it comes to 0% APR transfer credit cards. Thanks so much for sharing this information.

    Reply
    • Debra Schroeder says

      January 6, 2021 at 9:33 am

      Hi Shannon,

      Happy you found the post helpful.

      Reply
  19. Amber Myers says

    January 6, 2021 at 2:57 pm

    These sound like some great cards. I love my Amazon one from chase. I’m always big on cards with rewards.

    Reply
    • Debra Schroeder says

      January 7, 2021 at 1:52 pm

      Hi Amber,

      They sure are and you can’t beat 0% intro APR on balance transfers. Some of the cards offer 0% intro APR on purchases.

      Reply
  20. Ben says

    January 6, 2021 at 3:04 pm

    These are great picks. I used a credit card to transfer my balance and pay it off, and it’s a strategy that really works.

    Reply
    • Debra Schroeder says

      January 7, 2021 at 1:52 pm

      Hi Ben,

      Great strategy, it’s a quick way to reduce your debt fast.

      Reply
  21. Pam Wattenbarger says

    January 6, 2021 at 3:58 pm

    I try not to use our credit card often but these look like good options for anyone interested in a new card.

    Reply
    • Debra Schroeder says

      January 7, 2021 at 1:53 pm

      Hi Pam,

      They definitely are. I like them because they can help people get out of debt sooner when used responsibly.

      Reply
  22. Heather says

    January 6, 2021 at 4:17 pm

    I will definitely need to look into these. They may help with my credit!

    Reply
    • Debra Schroeder says

      January 7, 2021 at 1:54 pm

      Hi Heather,

      They sure can! Let me know if you need any help or recommendations.

      Reply
  23. Briana Baker says

    January 6, 2021 at 6:42 pm

    My husband is a relationship manager for US Bank. They really do have the best products out there.

    Reply
    • Debra Schroeder says

      January 7, 2021 at 1:57 pm

      Hi Briana,

      Very cool to know. US Bank does have some good cards. I sure wish the would bring back the 3X charity bonus on the Flexperks travel card.

      Reply
  24. Krystal Miller says

    January 6, 2021 at 7:50 pm

    Perfect timing on this post – it’s a great time to get rid of those high interest balances!

    Reply
    • Debra Schroeder says

      January 7, 2021 at 1:57 pm

      Thanks, Krystal.

      Let me know if you have any questions.

      Reply
  25. Monica Simpson says

    January 6, 2021 at 9:27 pm

    I actually have never heard of this kind of card. We could definitely benefit from it.

    Reply
    • Debra Schroeder says

      January 7, 2021 at 1:59 pm

      Hi Monica,

      These are the 10 best balance transfer credit cards with 0% intro APR almost all have no annual fee.

      Reply
  26. Nikki Wayne says

    January 7, 2021 at 7:01 am

    Thanks for explaining thoroughly,I can’t wait to share this with my friend.

    Reply
    • Debra Schroeder says

      January 9, 2021 at 7:45 pm

      Hi Nikki,

      Glad you enjoyed the post. Let me know if you have any questions.

      Reply
  27. Melissa Dixon says

    January 7, 2021 at 7:15 am

    The new year is the perfect chance to start fresh with finances. I like these tips for getting it done right.

    Reply
    • Debra Schroeder says

      January 7, 2021 at 1:58 pm

      Hi Melissa,

      You’re right about that. Great new year’s resolution, pay down debt.

      Reply
  28. Kate | Life of a Ginger says

    January 7, 2021 at 8:18 am

    This is great information to have for people who have credit card debt.

    Reply
    • Debra Schroeder says

      January 7, 2021 at 2:00 pm

      Hi Kate,

      Balance transfer credit cards let you move debt from one card to another card. Transferring your balance from one credit card to another credit card can save a lot of money.

      Reply
  29. Beth says

    January 7, 2021 at 10:31 am

    This sounds like a great choice for people who are looking to reduce their credit card debt.

    Reply
    • Debra Schroeder says

      January 7, 2021 at 2:00 pm

      Hi Beth,

      They sure are. Some people use balance transfer cards as a way to consolidate debt. Because when combined with budgeting you can get out of debt faster.

      Reply
  30. Catalina says

    January 7, 2021 at 2:07 pm

    It’s great to know more about options I have! Thanks for sharing this info!

    Reply
  31. Everything Enchanting says

    January 7, 2021 at 4:18 pm

    Wow! I don’t have a credit card, so gonna share this list with my husband now. Thanks for sharing 🙂

    Reply
  32. True says

    January 10, 2021 at 4:36 pm

    Absolutely taking advantage of this post! I have never looked into balance transfer as an option but now I’m seriously considering it.

    Reply

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Debra Schroeder is a travel writer with 26 years of experience using miles and points to travel the world. A former 12-year travel industry executive, she knows how to find the deals and how to creatively finance trips, like getting a trip to Hawaii for practically free or a $26,000 trip to Australia for $208. She’s always looking for the best deal, whether it’s a hostel, luxury resort, or somewhere in between.

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