If you are paying interest on a credit card balance, your first concern should be paying down that debt. Ignore which card earns the most points or airline miles when you are paying crazy 15%+ interest! If you are ready to pay down that debt, consider transferring your balance to another issuer. Below are the best 0% APR balance transfer offers as of May 2019.
You’ll want the best combination of the longest 0% APR period and the lowest balance transfer fees. For example, if you are paying 20% APR, that’s like paying 1.66% on your balance every month. If you would like to spread out your payments, it may be better to pick a longer term with a modest balance transfer fee. Alternatively, if you are sure you can get it all paid off faster, go for a shorter offer with no balance transfer fee.
1) – 0% Introductory APR for 15 months on both purchases and balance transfers and no balance transfer fee for the first 60 days of opening the account. After the intro APR offer ends, a variable APR that’s currently 15.24% to 25.24% will apply. Plus, earn 15,000 Membership Rewards points after you use your new Card to make $1,000 in purchases in your first 3 months. No annual fee.
2) – 0% Introductory APR for 15 billing cycles on both balance transfers and purchases and no balance transfer fee for the first 60 days your account is open. After the intro APR offer ends, a variable APR that’s currently 15.24% to 25.24% will apply. No annual fee.
3) – 0% Introductory APR for 15 months on both balance transfers and purchases and no balance transfer fee for the first 60 days of opening the account. After the intro APR offer ends, a variable APR that’s currently 17.24% to 25.99% will apply. No annual fee.
4) – 0% Introductory APR for 12 months on balance transfers and no balance transfer fee on balances transferred during the first 90 days after account opening. After the intro APR offer ends, a variable APR that’s currently 12.24% to 18.00% will apply. There is also a sign-up bonus, but note that there is not an intro 0% APR offer on purchases. You must be an First Tech Federal Credit Union member to obtain this card, but membership is open to everyone who joins a partner organization for as little as $8. No annual fee.
5) – 0% Introductory APR for 12 months on balance transfers and no balance transfer fee on balances transferred within the first 30 days after account opening. After the intro APR offer ends, a variable APR that’s currently 8.24% and 18.00% will apply. Membership to Navy Federal Credit Union is limited those with a military relationship, but anyone who is the immediate relative of an active military member or veteran can join. No annual fee.
6) – 0% intro APR for 18 months on both purchases and balance transfers along with a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Balance transfers made within 120 days qualify for the intro rate and fee. This is an example of an offer with a fee, but you get a longer 18 months to pay it off and a bigger 120-day window to transfer all your external balances to this card. This card also has a unique cell phone protection feature – 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 this card. No annual fee.
Updated May 2019
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