The Best 0% Balance Transfer Credit Cards of 2018

Are you tired of paying high interest on your credit card balances? Make your hard earned dollars go further by taking a look at a Balance Transfer Credit Card today.

With a Balance Transfer Credit Card, you could save money instantly by transferring your existing balances to a card with a 0% introductory rate. Save even more when you chose a card with 0% interest on purchases for up to 21 months. Other ways to save include using a card with no balance transfer fee or a card with no annual fee!

Blue Cash Everyday® Card from American Express

Current Offer: $100 cash back after you spend $1,000 in purchases on your new Card in your first 3 months.

What Additional Perks Would I Get? 0% intro APR on purchases and balance transfers for 12 months. After that, your APR will be a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.

Annual Fee

Chase Slate® credit card

Current Offer: 60-day introductory balance transfer offer, save on interest, and get your free monthly credit score.

What Additional Perks Would I Get? Pay no balance transfer fee when you transfer a balance during the first 60 days your account is open. After the first 60 days, your account is open, the fee for future balance transfers is 5% of the amount transferred, with a minimum of $5.

Annual Fee

Citi Simplicity® Card

Current Offer: Benefits include being the only credit card with no late fees, no penalty rate Introductory rate of 0% for 21 months from date of account opening on purchases and an introductory rate of 0% for 21 months from date of first transfer for balance transfers. Balance transfers must be completed within 4 months of account opening.

What Additional Perks Would I Get? After the introductory period ends, the standard purchase APR will be applied to unpaid introductory balances, new purchases and new balance transfers. The standard variable APR for purchases and cash advances is 13.99% - 23.99%, based on your creditworthiness.

No Annual Fee

BankAmericard® Credit Card

Current Offer: Low intro APR offer, lowest available interest rate among all BankAmericard products, save on interest when you transfer higher rate balances.

No Annual Fee


Lending ClubLending Club – While not a credit card, you might also consider Lending Club as a balance transfer or loan consolidation option. Lending Club is currently the largest peer-to-peer network with over $13 billion in loans as of September of 2015. Peer-to-peer lending provides the ability to borrow from individuals versus banks.  Doing so lowers cost and provides better rates than you would get through a traditional bank. Lending Club has a simple 4 step loan process. Check out our review, or visit to learn more about the options that may be best suited for you.

Payoff LogoPayoff – Another alternative you might consider is Payoff. Payoff's mission is to help people payoff high interest credit card debt.  With a payoff loan you can pay off balances between $5,000-$25,000 in 2-5 year terms. Payoff is not a bank and the loan process will not hurt your credit score because they only do a soft check.  That said, this loan isn't for everyone. For example, you'll need a credit score of 660 or higher, debt to income ratio (unsecured) of less than 50%, credit history of at least 3 years old, no delinquencies, etc. Check out our review to learn more and visit to see if this is the right option for you.

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