Written by Garrett Yarbrough ; Edited by Courtney Mihocik ; Reviewed by Jason Steele
Discover U.S. News' picks for the best balance transfer cards. Find the best 0% APR and low interest card offers to save money and pay off your debt.
What is a purchase APR? ; You owe interest on a 0% APR credit card. How did that happen? ; What’s a good APR for a credit card?
We analyzed hundreds of balance transfer credit cards with a 0% intro APR period and dug into each card's perks and drawbacks to find the best ones.
Introductory APR, 0% for the first 15 billing cycles on purchases and balance transfers (balance transfers must be made in the first 60 days of account opening to qualify for the introductory APR). After that, your APR will be 19.49% to 26.49% based on your creditworthiness. ; Regular APR, Variable ; Annual Fee, $0 ; Balance Transfer Fee, $10.00 or 4% of the amount of each transaction, whichever is greater. ; Late Payment Fee, Up to $40 ; Overdraft Protection Transfer Fee, $0 ; Minimum Interest Charge, $0.50
Chase Freedom Unlimited® ; Blue Cash Everyday® Card from American Express ; Blue Cash Preferred® Card from American Express
What the limit on balance transfers is · What the balance transfer fee is · What the APR on balance transfers is · How long any introductory APR windows are · What the APR will be when that window closes
0% introductory APR · 1 · on balance transfers for · 15 months from date of first transfer · when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently · 18.24% - 26.24% , based on your creditworthiness.
Balance Transfer Basics ; What is a balance transfer fee? ; How to manage debt with a balance transfer card ; How long does a balance transfer take? ; What is the limit for a balance transfer card? ; Everything you need to know about balance transfer checks
PenFed Gold Visa® Card is a low interest credit card perfect for everyday use. Apply today for low APR on purchases and 0% balance transfers for 12 months.