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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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