Best 0% APR Balance Transfer Credit Cards – January 2019 (Up to 15 Months w/ No Balance Transfer Fee)

0apr Interest rates are rising, which applies to credit card APRs as well. Why worry about which card earns the most points or airline miles when you are paying a whopping 20%+ interest in your balances?! One powerful strategy to get out of debt is to first transfer your balance to another issuer via a 0% APR balance transfer offer. Below are the best 0% APR balance transfer offers as of January 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) Amex EveryDay Card from American Express – 0% intro APR on both purchases and balance transfers for 15 months. After that, the variable APR will be 15.24% – 26.24%, based on your creditworthiness. No balance transfer fee for the first 60 days of opening the account. 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) BankAmericard Credit Card – 0% Introductory APR on both balance transfers and purchases for 15 billing cycles. After that, the variable APR will be 15.24% – 26.24%, based on your creditworthiness. No balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10). No penalty rate. No annual fee.

Slate from Chase Card Art 3) Chase Slate Card – 0% Introductory APR on both balance transfers and purchases for 15 months. After that, the variable APR will be 16.99% – 25.74%, based on your creditworthiness. No balance transfer fee for the first 60 days of opening the account. After that, the fee for future balance transfers is 5% ($5 min). No annual fee.

Best 0% APR Balance Transfer Credit Cards – January 2019 (Up to 15 Months w/ No Balance Transfer Fee) 4) First Tech Fed Choice Rewards Card – 0% Introductory APR on balance transfers for 12 months. Balances must be transferred during the first 90 days after account opening. After that, the variable APR will be 11.99% – 18.00%, based on your creditworthiness. No balance transfer fee. 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 a small fee. No annual fee.

5) Citi Simplicity® Card – 0% Introductory APR on balance transfers for 21 months. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness. Balance transfer fee is either $5 or 5% of the amount of each transfer, whichever is greater. This card has no late payment fees and no penalty rate. No annual fee.

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Best 0% APR Balance Transfer Credit Cards – January 2019 (Up to 15 Months w/ No Balance Transfer Fee) from My Money Blog.