The Best 0% Balance Transfer Credit Cards of 2017

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If you’ve checked your FICO credit score recently and haven’t been happy with the results, one of the factors that could be bringing your credit score down is your used to available credit percentage. When creditors see that your credit cards have been maxed out, it implies that you’re in need of more credit and that you’re having trouble meeting your financial needs. One way to alleviate the burden is to apply for a 0% balance transfer credit card, and reduce the amount in interest being paid every month.

Choosing which 0% balance transfer credit card best suits your needs can be tricky. Some offer a low balance transfer fee while others have extended 0% intro offers beyond 12 months. Whether it’s a long balance transfer term or cash up front to help you out, we’ve compiled a list of the best 0% balance transfer credit cards.  They come from a variety of issuers and if you have any experience with these cards, we’d love to hear about it in the comments section below.

Featured 0% Balance Transfer Credit Card

Barclaycard Ring™ MasterCard®

Current Offer: Earn $150 bonus after you spend $500 on purchases in your first 3 months from account opening.

What Additional Perks Would I Get? No balance transfer fees, no foreign transaction fees, chip card technology, free online access to your FICO® Credit Score, 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.74%.

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.

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.”

“The responses below 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.”

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Last Edited: April 27, 2017 @ 11:09 amThe content of is for general information purposes only and does not constitute professional advice. Visitors to should not act upon the content or information without first seeking appropriate professional advice. In accordance with the latest FTC guidelines, we declare that we have a financial relationship with every company mentioned on this site.
About Michael Pruser

After spending a ton of money to go to the private University of Miami, Michael now enjoys spending time at home, writing personal finance articles for the world to read. His journey out of debt continues 500 words at a time.