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Best Balance Transfer and 0% APR Credit Cards of June 2019

Robin Saks FrankelMay 31, 2019

At cheatgame.info, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

cheatgame.info's Best Balance Transfer and 0% APR Credit Cards of June 2019

Our pick for

Long-term value

Discover it Credit Card

on Discover's website, or call (800) 347-0264

Rates & Fees

on Discover's website, or call (800) 347-0264

Rates & Fees
Annual Fee

$0

Regular APR

14.24% - 25.24% Variable APR

Intro APR

0% on Purchases for 6 months and 0% on Balance Transfers for 18 months

recommended credit score

Pros

In addition to its lengthy introductory balance transfer APR offer, this card pays 5% cash back in rotating categories that you activate, on up to $1,500 in purchases each quarter, and 1% on everything else. There's also a new-cardholder bonus that gets bigger as you make more purchases with the card. The issuer phrases it this way: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched. The annual fee is $0.

Cons

The 0% period on purchases is considerably shorter than that for balance transfers. The card also comes with an introductory 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* balance transfer fee, then up to 5% on future transfers, and you can’t transfer balances from other Discover cards. When it comes to rewards, having to activate the categories each quarter and keep track of them requires some maintenance.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • View Rates and Fees

Our pick for

Longest 0% period for transfers and purchases

US Bank Visa Platinum Credit Card

on US Bank's website

Rates & Fees

on US Bank's website

Rates & Fees
Annual Fee

$0

Regular APR

14.74% - 25.74% Variable APR

Intro APR

0%* on purchases and balance transfers for 20 billing cycles*

recommended credit score

Pros

The card comes with a generous introductory 0% APR periods for both purchases and balance transfers and allows you to choose your own due date. It also offers cell phone protection if you use it to pay your cell phone bill. The annual fee is $0.

Cons

There's a balance transfer fee of 3% of the amount transferred or $5, whichever is greater. The card offers no rewards. Like most credit cards, it doesn't allow same-issuer transfers.
  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.74% - 25.74%
  • Great offer from U.S. Bank, a 2019 World's Most Ethical Company® - Ethisphere Institute, February 2019
  • No Annual Fee*
  • Flexibility to choose a payment due date that fits your schedule
  • Get 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 U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
  • View Rates and Fees

Our picks for

Purchases and transfers

Wells Fargo Visa Platinum Card Credit Card

on Wells Fargo's website

on Wells Fargo's website

Annual Fee

$0

Regular APR

13.74% - 27.24% Variable APR

Intro APR

0% APR for 18 months on purchases and qualifying balance transfers

recommended credit score

Pros

Thanks to its $0 annual fee and cushy 18-month introductory 0% APR period for both purchases and balance transfers, you'll have ample breathing room when paying down balances. It also gives you access to a FICO score. The card offers cell phone protection if you use it to pay your cell phone bill.

Cons

This card has a balance transfer fee of 3% for 120 days, then 5% of the amount transferred or $5, whichever is greater, for the first 18 months. The card doesn't come with rewards and doesn't allow same-issuer transfers.
  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 13.74%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Get 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 Visa card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Bank of America BankAmericard® Credit Card Credit Card

on Bank of America's website, or call (800) 322-7707

on Bank of America's website, or call (800) 322-7707

Annual Fee

$0

Regular APR

15.24% - 25.24% Variable APR

Intro APR

0% on Purchases for 18 billing cycles and 0% on Balance Transfers for 18 billing cycles for balance transfers made in the first 60 days

recommended credit score

Pros

This straightforward debt-busting card gets right to the point with a long introductory 0% APR period on purchases and balance transfers. You also can access your FICO score for free. The annual fee is $0.

Cons

A balance transfer fee applies: Either $10 or 3% of the amount of each transaction, whichever is greater. The card offers no rewards, so there isn't much incentive to keep using it once the 0% period ends.
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

Our pick for

Purchases/transfers and late-fee waiver

HSBC Gold Mastercard

on HSBC's website

Rates & Fees

on HSBC's website

Rates & Fees
Annual Fee

$0

Regular APR

13.24%, 17.24% or 21.24% Variable

Intro APR

0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.

recommended credit score

Pros

This card gives you a long 0% intro APR period on transfers as well as purchases. If you're the occasionally absent-minded type, the issuer offers a break on late fees. The fee is waived on your first late payment and on any late payment that occurs more than 12 billing periods since your last waiver. Even so, it's best to pay on time.

Cons

The card charges a balance transfer fee of 4% or $10, whichever is higher. It doesn’t offer rewards and doesn't allow same-issuer transfers.
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • View Rates and Fees

Our pick for

Longest 0% period for transfers only

Citibank Simplicity Credit Card

on Citibank's application

on Citibank's application

Annual Fee

$0

Regular APR

16.24% - 26.24% Variable APR

Intro APR

0% on Purchases for 12 months and 0% on Balance Transfers for 21 months

recommended credit score

Pros

This card gets the nod for its long introductory 0% APR period for balance transfers, its $0 annual fee and free FICO score. It also doesn’t charge late fees, a benefit for folks who are sometimes forgetful.

Cons

The card charges a balance transfer fee of 5% of each balance transfer; $5 minimum. You also can’t transfer balances from other Citi accounts or affiliates, and you won't earn rewards. The 0% APR period for purchases is significantly shorter than that for transfers.
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Our pick for

$0 introductory transfer fee

Annual Fee

$0

Regular APR

15.24% - 26.24% Variable APR

Intro APR

0% on Purchases and Balance Transfers for 15 months

recommended credit score

Pros

The triple-zero benefits allow you to pay down debt without a penny in fees or interest. And unlike many balance-transfer cards, this one offers a rewards program, which gives you an incentive to keep using it long after the 0% intro period ends. There's a bonus offer for new cardholders, too.

Cons

You can get a longer 0% introductory APR period with other balance-transfer cards. The ongoing rewards aren't anything too special.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 15.24% to 26.24%
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • No annual fee.
  • Terms Apply.
  • View Rates and Fees

Summary of Best Balance Transfer and 0% APR Credit Cards of June 2019

Credit CardIntro APRRegular APRAnnual FeeLearn More
Discover it Credit Card

Discover it® Balance Transfer

on Discover's website, or call (800) 347-0264

0% on Purchases for 6 months and 0% on Balance Transfers for 18 months

14.24% - 25.24% Variable APR

$0

on Discover's website, or call (800) 347-0264

US Bank Visa Platinum Credit Card

U.S. Bank Visa® Platinum Card

on US Bank's website

0%* on purchases and balance transfers for 20 billing cycles*

14.74% - 25.74% Variable APR

$0

on US Bank's website

Wells Fargo Visa Platinum Card Credit Card

Wells Fargo Platinum Visa card

on Wells Fargo's website

0% APR for 18 months on purchases and qualifying balance transfers

13.74% - 27.24% Variable APR

$0

on Wells Fargo's website

Bank of America BankAmericard® Credit Card Credit Card

BankAmericard® credit card

on Bank of America's website, or call (800) 322-7707

0% on Purchases for 18 billing cycles and 0% on Balance Transfers for 18 billing cycles for balance transfers made in the first 60 days

15.24% - 25.24% Variable APR

$0

on Bank of America's website, or call (800) 322-7707

HSBC Gold Mastercard

HSBC Gold Mastercard® credit card

on HSBC's website

0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.

13.24%, 17.24% or 21.24% Variable

$0

on HSBC's website

Citibank Simplicity Credit Card

Citi Simplicity® Card - No Late Fees Ever

on Citibank's application

0% on Purchases for 12 months and 0% on Balance Transfers for 21 months

16.24% - 26.24% Variable APR

$0

on Citibank's application

American Express Amex EveryDay Credit Card

Amex EveryDay® Credit Card

0% on Purchases and Balance Transfers for 15 months

15.24% - 26.24% Variable APR

$0

Learn more
Credit CardIntro APRRegular APRAnnual FeeLearn More
Discover it Credit Card

Discover it® Balance Transfer

on Discover's website, or call (800) 347-0264

0% on Purchases for 6 months and 0% on Balance Transfers for 18 months

14.24% - 25.24% Variable APR

$0

on Discover's website, or call (800) 347-0264

US Bank Visa Platinum Credit Card

U.S. Bank Visa® Platinum Card

on US Bank's website

0%* on purchases and balance transfers for 20 billing cycles*

14.74% - 25.74% Variable APR

$0

on US Bank's website

Wells Fargo Visa Platinum Card Credit Card

Wells Fargo Platinum Visa card

on Wells Fargo's website

0% APR for 18 months on purchases and qualifying balance transfers

13.74% - 27.24% Variable APR

$0

on Wells Fargo's website

Bank of America BankAmericard® Credit Card Credit Card

BankAmericard® credit card

on Bank of America's website, or call (800) 322-7707

0% on Purchases for 18 billing cycles and 0% on Balance Transfers for 18 billing cycles for balance transfers made in the first 60 days

15.24% - 25.24% Variable APR

$0

on Bank of America's website, or call (800) 322-7707

HSBC Gold Mastercard

HSBC Gold Mastercard® credit card

on HSBC's website

0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.

13.24%, 17.24% or 21.24% Variable

$0

on HSBC's website

Citibank Simplicity Credit Card

Citi Simplicity® Card - No Late Fees Ever

on Citibank's application

0% on Purchases for 12 months and 0% on Balance Transfers for 21 months

16.24% - 26.24% Variable APR

$0

on Citibank's application

American Express Amex EveryDay Credit Card

Amex EveryDay® Credit Card

0% on Purchases and Balance Transfers for 15 months

15.24% - 26.24% Variable APR

$0

Learn more
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OTHER RESOURCES

How do I perform a balance transfer?

In a balance transfer, you use one credit card to pay off another, therefore shifting the debt to a new card. Transferring a balance makes sense if you can move the debt to a card with a significantly lower interest rate. Ideally, you'll get more than a year at 0% interest, so you can pay down the debt more quickly.

Steps to completing a balance transfer:

1. Apply for a new card to move the balance to. In most cases, you can transfer balances at 0% interest only in the first few months your account is open, so you’ll need a new card. Generally, you'll need good credit to qualify for a balance transfer card.

2. Once approved, tell the new card’s issuer that you need to do a transfer. With some cards, you can do this from your online account dashboard or even the issuer’s mobile app. With others, you’ll need to call the customer service number on the back of the card.

3. Provide the information requested by your issuer. You’ll need to know the account number of the debt you want to transfer and how much you want to move. Depending on the credit limit on your new card and the card issuer’s policies (which may limit the amount of an incoming transfer), you may get approved to transfer the entire amount or just a part of it.

4. Continue making payments on the old card. This is critical. The transfer doesn't happen as soon as you ask for it. It can take days or even a couple of weeks. Pay at least the minimum until your old card account shows that the debt has been moved. The last thing you want is to incur an expensive late fee (and possibly damage your credit score).

5. Watch your accounts. You’ll see the debt disappear from the old card and show up on the new one. Now it’s time to pay it down.

6. Stash the old card, but keep the account open. It may be tempting to cut up the card and cancel the account for the sake of catharsis, but closing a paid-off credit card account can damage your credit score. If the card doesn't charge an annual fee, keep it open.

» Learn more: What is a balance transfer, and should I do one?

How to choose a balance transfer card

1. Understand whether you can qualify. With a few exceptions, balance transfer credit cards require good or excellent credit. Generally, that means a credit score of about 690 or better. (You can get your credit score for free on cheatgame.info.)

2. Look at the issuer that holds your current debt. In most cases, you can't transfer balances among cards from the same issuer — from one Chase card to another Chase card, for example. This is important to know because it will save you from getting a card you can’t use. Be especially careful with store-branded credit cards, which often do not clearly identify the issuer.

3. Compare 0% APR periods for balance transfers. The longer the 0% period, the better, since you’ll have more time to pay down your debt without interest.

4. Compare balance transfer fees. Transfer fees on most credit cards range from 3% to 5%. That’s equivalent to $30 to $50 for each $1,000 you transfer. A handful of cards do not charge transfer fees or waive them for an introductory period. Such offers have been getting harder to find, however, and cards that don’t charge a transfer fee generally have shorter 0% APR periods than balance transfer cards that do.

One final note: A good balance transfer card will not charge an annual fee.

» Learn more: Our guide to choosing a balance transfer card.

How to make the most of your balance transfer credit card

  • Use your balance transfer credit card only for debt. The cards that save you the most while paying off debt generally don’t offer the best rewards. That's why it's better to use two cards: One for paying off debt, and one for making new purchases. If your card offers 0% APR only on balance transfers — not purchases — this practice could also help you stave off unexpected interest charges.
  • Know when the promos end. Your card’s introductory 0% APR and balance transfer fee promotions don’t last forever. Pay off your balances within the promotional period, if possible, to avoid interest and fees. To find out when these periods end, read your credit card statements. Or, call your issuer and ask.
  • Pay on time. If you’re late on a payment, poof! — your card’s 0% balance transfer APR will probably disappear. That’s because promotional terms often get voided if your account isn’t in good standing. Aside from losing the card’s most valuable feature, you might also have to pay a late fee (of up to $38, typically) and a penalty interest rate (often about 30%). Avoid this basket of bad news by setting up auto-pay, if you’re confident you’ll have enough money in your account to cover at least the minimum. Make extra payments throughout the month, as your budget allows. 
  • Make a plan. To make the most of your card, take stock of your debt and figure out what you’ll have to do to become debt-free. Calculate how much extra money you can put toward your credit card payments each month, and track your progress as you chip away at those balances.

HOW THEY COMPARE

Card Our pick for... 0% intro period for transfers Transfer fee
Citi Simplicity® Card - No Late Fees Ever Long intro 0% APR period 21 months 5% of each balance transfer; $5 minimum.
U.S. Bank Visa® Platinum Card Purchases and transfers (excellent credit) 20 months 3%
Discover it® Balance Transfer Long-term value 18 months 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Wells Fargo Platinum Visa card Purchases and transfers (good credit) 18 months 3% for 120 days, then 5%
BankAmericard® credit card Purchases and transfers (good credit) 18 billing cycles Either $10 or 3% of the amount of each transaction, whichever is greater.
Barclaycard Ring® Mastercard® Repeated transfers over time • 15 months on balance transfers made within 45 days of account opening
• No 0% period on transfers made after 45 days
• 2% (minimum $5) on transfers made within 45 days of account opening
• No fee on transfers made after 45 days
Amex EveryDay® Credit Card $0 introductory transfer fee 15 months $0 (transfers must be requested within 60 days of account opening)

Information about The Amex EveryDay® Credit Card from American Express has been collected by cheatgame.info and has not been provided or reviewed by the issuer of this card.


To view rates and fees of the Amex EveryDay® Credit Card, please visit this page.

Last updated on May 31, 2019

Methodology

cheatgame.info's Credit Cards team selects the best balance transfer and 0% credit cards based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of consumers. Factors in our evaluation include annual fees, balance transfer fees, the length of each card's 0% introductory APR period, ongoing APRs, credit-profile requirements, cardholders' access to credit scores, and other noteworthy features such as rewards or perks that give the card ongoing value beyond the promotional APR period.

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