Transferring high interest debt to a 0% balance transfer credit card is both easy and saves money. Your payments go to lower your outstanding balance, not to interest payments, helping you pay off your debt faster. We’ve compiled this list of the best 0% balance transfer cards of 2019

One of the best deals available are interest free credit cards. No interest cards offer 0% on balance transfers, purchases, or both. With balance transfers, you can transfer one or more high interest credit card balances onto the interest free credit card and pay no interest during the introductory period.

With zero interest on purchases, you can use the card for big purchases or everyday expenses, and pay no interest until the intro period expires. Until recently, there were several cards that offered no interest for up to 12 months. Now, some credit cards offer 0% for up to 15 months, and there are a few cards that extend the 0% offer for 18 months or even 21 months on balance transfers and purchases.

What follows are some of the best 0% balance transfer and 0% on purchase cards available today.

Featured 0% Credit Card

Wells Fargo Platinum Visa

Learn More

• 0% Intro APR for 18 months on purchases and balance transfers (fees apply) on transfers made within 120 days qualify for the intro rates and fees
• 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 your card
• Free access to your FICO® Credit Score
• Zero Liability protection for promptly reported unauthorized transactions
• $0 Annual Fee

Capital One® QuicksilverOne® Cash Rewards Credit Card

Learn More

• Cash Back: Earn 1.5% cash back on every purchase
• Get access to a higher credit line after making your first 5 monthly payments on time
• Free credit monitoring with the CreditWise® app
• $0 fraud liability if your card is ever lost or stolen
• Get customized alerts and manage your account with the Capital One mobile app
• $39 annual fee

Several great cash back cards also offer an excellent 0% balance transfer. One such card is the Chase Freedom Unlimited®. In addition to the cash back, you get 0% for 15 months on purchases and balance transfers. There is no annual fee. Here are the details:

Chase Freedom Unlimited

Read our review

• Signup Bonus:  Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Cash Back: Unlimited 1.5% cash back on every purchase
• Intro APR: 0% for 15 months from account opening on purchases and balance transfers
• Free credit score, updated weekly with Credit Journey
• No annual fee

Blue Cash Preferred® Card from American Express

Learn More
Read our review

• Welcome Offer: Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
• Earn Cash Back: 6% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 3% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
• With the Blue Cash Preferred^® Card, you can start earning cash back. No rotating reward categories. No enrollment required.
• Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
• 0% intro APR on purchases and balance transfers for 12 months, then a variable rate based on your creditworthiness and other factors.
• Annual Fee: $95
• Terms Apply

Learn more about this card here.

Wells Fargo Cash Wise Visa® Card

Learn More

• Signup Bonus: Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
• Cash Back: Earn 1.5% cash rewards on every purchase
• Cash Back Bonus: Earn 1.8% cash rewards on qualified mobile wallet purchases during the first 12 months from account opening
• 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 your Wells Fargo Cash Wise Visa® Card
• Intro APR: 0% Intro APR for 12 months on purchases and balance transfers
• $0 Annual Fee
• Click here to learn more about the product features, terms, and conditions

The Chase Freedom card comes with a 15 month 0% offer. In addition to the cash back and bonus cash rewards, you’ll get a 0% introductory rate for 15 months on purchases and balance transfers. There is no annual fee, but the balance transfer fee on this one is 5% (3% is standard). Here are the details:

Chase Freedom

Read our review

• Signup Bonus: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
• 5% Cash Back: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter
• 1% Cash Back: Earn 1% cash back on all other purchases
• Intro APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers
• Free credit score, updated weekly with Credit Journey
• No annual fee

Capital One® Savor® Cash Rewards Credit Card

Learn More

• Early Spend Bonus: Earn $500 cash bonus after you spend $3,000 on purchases within the first 3 months
• 4% Cash Back: Earn 4% cash back on dining and entertainment
• 2% Cash Back: Earn 2% on groceries
• 1% Cash Back: Earn 1% on all other purchases
• Intro APR: 0% intro APR on purchases and balance transfers for 9 months
• $0 intro annual fee for the first year, $95 after that
• No foreign transaction fees

Wells Fargo Propel American Express Card

Learn More

• Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months – that’s a $300 cash redemption value
• Earn 3X points for eating out and ordering in
• Earn 3X points for gas stations, rideshares and transit
• Earn 3X points for travel including flights, hotels, homestays and car rentals
• Earn 1X points on other purchases
• 0% intro APR for 12 months on purchases and balance
• No annual fee

U.S. Bank Cash+ Visa Signature Card

Learn More

• New Cardmember Bonus: $150 after you spend $500 in eligible net purchases in the first 90 days of account opening.
• 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose.
• 2% cash back on your choice of one everyday category, like gas stations or grocery stores.
• 1% cash back on all other eligible net purchases.
• 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR based on your creditworthiness.
• No annual fee*

Best Business Balance Transfer Credit Cards

For those with a small business, there are excellent 0% balance transfer offers.

The Chase Ink Business Cash Credit Card makes the top of our list because of its $500 bonus, up to 5% cash back, and 0% on balance transfers for a full year.

Chase Ink Business Cash Credit Card

Read our review

• Signup Bonus: Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
• 5% Rewards: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• 2% Rewards: Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
• 1% Rewards: Earn 1% cash back on all other card purchases with no limit to the amount you can earn
• Intro APR: 0% introductory APR for 12 months on purchases and balance transfers
• No Annual Fee

For those looking for a simplified cash back rewards program, the Chase Ink Business Unlimited is the answer. You still can earn a $500 bonus and 0% on balance transfers for year. You also get unlimited 1.5% cash back on all purchases. Here are the details:

Chase Ink Business Unlimited

Read our review

• Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months
• Earn unlimited 1.5% cash back on every purchase
• 0% introductory APR for 12 months on purchases and balance transfers
• No Annual Fee

The best airline miles credit cards enable you to earn frequent flyer miles with every purchase. And many of the credit card offers listed below come with bonus points that allow you to earn a free plane ticket very quickly. The offers are organized into two categories.

First, we list those all-purpose travel cards that offer excellent rewards. With these cards, you can use points or miles on any airline. Then will list airline specific cards. These are ideal if you frequently fly on the same airline.

Best All-Purpose Miles Cards

Capital One® Venture® Rewards Credit Card

Learn More

• One-time Bonus: Earn 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
• Earn 2X miles on every purchase, every day.
• Earn 10X miles on thousands of hotels; learn more at hotels.com/venture, through January 2020
• Receive up to $100 application fee credit for Global Entry or TSA Pre?®
• Miles aren’t specific to any airline or hotel, so they can be used antwhere
• Travel when you want with no blackout dates
• Miles won’t expire for the life of the account
• No foreign transaction fees
• $0 intro annual fee for the first year; $95 after that

Chase Sapphire Preferred Card

Read our review

• Receive 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. 50k points are worth $625 in travel when you redeem through Chase Ultimate Rewards
• 2X points on travel and dining at restaurants
• 1 point per dollar spent on all other purchases
• $0 foreign transaction fees
• 1:1 point transfer to leading frequent travel programs at full value
• Introductory Annual Fee of $0 the first year, then $95

Chase Sapphire Reserve Card

Read our review

• Welcome Offer: Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
• $300 Annual Travel Credit
• 3X points on travel immediately after earning your $300 travel credit.
• 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.
• $0 foreign transaction fees.
• Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™
• Select Up to $100 application fee credit for Global Entry or TSA Pre?®

Best Airline Specific Miles Cards

Blue Delta SkyMiles® Credit Card from American Express

Learn More

• Welcome Offer: Earn 10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months.
• 2 Miles Rewards: Earn 2 miles per dollar at US restaurants and on purchases made directly with Delta.
• 1 Mile Rewards: Earn 1 mile on every eligible dollar spent on purchases.
• Receive a 20% In-Flight Savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
• No Annual Fee.
• Terms Apply

Gold Delta SkyMiles® Credit Card from American Express

Learn More

• Welcome Offer: Earn 30,000 Bonus Miles after you make $1,000 in purchases on your new card within your first 4 months. Offer expires on 9/19/2018.
• Earn a $50 statement credit once you make your first Delta purchase within the first three months.
• Earn 2 miles for every dollar spent on eligible purchases made directly with Delta.
• Earn 1 mile for every eligible dollar spent on purchases.
• Check your first bag free on Delta flights
• Priority Boarding.
• $0 introductory annual fee for the first year, then $95.
• Terms Apply

British Airways Visa Signature

Read our review

• Each year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
• Earn 4 Avios for every $1 spend on all purchases with the first year up to $30,000 (up to 120,000 bonus Avios), then 3 Avios for every $1 spent on British Airways purchases
• Earn 1 Avios for every $1 spent on all other purchases.
• Pay no foreign transaction fees when you travel abroad.

Southwest Rapid Rewards® Premier Credit Card

Read our review

• Earn 40,000 after spending $1,000 within the first 3 months.
• 6,000 bonus points after you’ve had the card for one year
• 2 points per $1 spent on Southwest purchases and Rapid Rewards Hotel and Car Rental Partner purchases
• 1 point per $1 spent on all other purchases
• Earn unlimited points
• No foreign transaction fees
• No blackout dates or seat restrictions
• Bags fly free

Southwest Rapid Rewards Priority Credit Card

Read our review

• Earn 40,000 after spending $1,000 within the first 3 months.
• Earn 7,500 bonus points after your Cardmember anniversary.
• $75 Southwest® travel credit each year.
• Four Upgraded Boardings per year when available.
• 20% back on in-flight drinks, WiFi, messaging, and movies.
• 2 points per $1 spent on Southwest purchases and Rapid Rewards hotel and car rental partner purchases.
• No foreign transaction fees.

Southwest Rapid Rewards Plus Credit Card

Read our review

• Welcome Offer: Earn 40,000 after spending $1,000 within the first 3 months.
• Anniversary Bonus: 3,000 bonus points after your Cardmember anniversary
• 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases
• 1 point per $1 spent on all other purchases
• No blackout dates or seat restrictions
• Bags fly free and no change fees
• Redeem your points for flights, hotel stays, gift cards, access to events and more

United Explorer Card

Read our review

• Earn 40,000 bonus miles after spending $2,000 within the first 3 months your account is open
• Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
• Earn 2 miles per $1 spent at restaurants and on hotel stays
• Up to $100 Global Entry or TSA Pre?® Fee Credit
• 25% back on United inflight purchases
• Check your first bag for free when you use your card to purchase your ticket
• Priority boarding privileges and visit the United Club? with 2 one-time passes each year for your anniversary
• $0 introductory annual fee for the first year, then $95

Cash Back Credit Cards are ideal for those who want solid rewards without a lot of hassle. Rather than trying to use miles or points cards, there are several cash rewards cards that offer significant benefits.

There are three types of cash back cards:

1 One Reward Rate: The most simple approach is a card that pays the same reward percentage on all purchases. The industry standard is 1%, but for those with good credit, you can nab 1.5% or even 2% on every purchase.

2 5% Rotating Categories: These cards offer 5% cash back on specific categories of purchases that change every three months. There are spending caps eligible for the 5% cash back, typically $1,500 each quarter. All other purchases typically earn 1% cash back.

3 Bonus Categories: Finally, some cards offer bonus rewards for certain categories of purchases, such as restaurants, groceries, or gas. The bonus rates can vary based on the categories, with some cards offering multiple bonus categories. Purchases outside of the bonus categories typically pay 1%.

As we look at the top cash back cards, we’ve organized the cards below based on these categories:

Best Overall Cash Back Credit Cards

Here is a comparison of the top picks in this category:

Blue Cash Preferred® Card from American Express

Learn More

• Welcome Offer: Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
• Earn Cash Back: 6% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 3% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
• With the Blue Cash Preferred^® Card, you can start earning cash back. No rotating reward categories. No enrollment required.
• Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
• 0% intro APR on purchases and balance transfers for 12 months, then a variable rate based on your creditworthiness and other factors.
• Annual Fee: $95
• Terms Apply

Capital One® Savor® Cash Rewards Credit Card

Learn More

• Early Spend Bonus: Earn $500 cash bonus after you spend $3,000 on purchases within the first 3 months
• 4% Cash Back: Earn 4% cash back on dining and entertainment
• 2% Cash Back: Earn 2% on groceries
• 1% Cash Back: Earn 1% on all other purchases
• Intro APR: 0% intro APR on purchases and balance transfers for 9 months
• $0 intro annual fee for the first year, $95 after that
• No foreign transaction fees

Chase Freedom Unlimited

• Signup Bonus:  Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Cash Back: Unlimited 1.5% cash back on every purchase
• Intro APR: 0% for 15 months from account opening on purchases and balance transfers
• Free credit score, updated weekly with Credit Journey
• No annual fee

Click here to learn more about the Chase Freedom Unlimited and similar credit cards.

Wells Fargo Cash Wise Visa® Card

Learn More

• Signup Bonus: Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
• Cash Back: Earn 1.5% cash rewards on every purchase
• Cash Back Bonus: Earn 1.8% cash rewards on qualified mobile wallet purchases during the first 12 months from account opening
• 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 your Wells Fargo Cash Wise Visa® Card
• Intro APR: 0% Intro APR for 12 months on purchases and balance transfers
• $0 Annual Fee
• Click here to learn more about the product features, terms, and conditions

Chase Freedom

• Signup Bonus: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
• 5% Cash Back: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter
• 1% Cash Back: Earn 1% cash back on all other purchases
• Intro APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers
• Free credit score, updated weekly with Credit Journey
• No annual fee

Click here to learn more about the Chase Freedom and similar credit cards.

Blue Cash Everyday Card from American Express

Learn More

• Welcome Offer: $150 statement credit after you spend $1,000 in purchases within the first 3 months.
• Cash Back Rewards–
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%);
  • 2% cash back at U.S. gas stations and at select U.S. department stores; and
  • 1% back on other purchases.
• Note: Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
• Intro APR: 0% for 15 months on purchases and balance transfers.
• No annual fee.
• Terms Apply

Capital One SavorOne Cash Rewards Credit Card

Learn More

• Earn $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
• Earn 3% cash back on dining and entertainment
• Earn 2% at grocery stores
• Earn 1% on all other purchases
• 0% intro APR on purchases for 15 months
• 0% intro APR on balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months)
• No foreign transaction fee
• No annual fee

Compare all of the cards on this page and other cash back cards–and apply online–here.