Best Balance Transfer Credit Cards With 0% APR Of 2022

Best Balance Transfer Credit Cards With 0% APR of 2022

Are you looking for ways to manage all your debt in one spot? Balance transfer credit cards might be worth looking into if that is the case. They allow you to transfer your balance from one card to another, regardless of your provider. There is also the option of getting a lower interest rate at the beginning as a newcomer.

Bear in mind that balance transfer might affect your credit score if you are not cautious. However, if you simply move your balance around, your score will remain intact. The main goal of these cards is to have your borrowings on a card with lower interest rate. Some credit cards best offer even include an intro period with 0% APR.

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Balance Transfer Credit Cards: Best Offers

Many people enjoy the perks of balance transfer cards. That is why this is a competitive market, and there are numerous options. When you have a chance to choose, make sure to look into every possibility.

Take into consideration what you need and what you can before you make a decision. Different cards offer different perks. Bear in mind that no card is suitable for everyone. For that reason, we have selected the best balance transfer cards with 0% APR to help you make a choice.

U.S. Bank Visa® Platinum Card

U.S. Bank Visa Platinum Card

If you are looking for a balance transfer card with a generous offer, U.S. Bank Visa® Platinum Card might be right for you. You can even choose a payment date to suit your own paycheck schedule. Everyone’s favorite part about this card is that you get 0% APR on the first 18 billing cycles! This offer refers to all balance transfers.

After those 18 cycles, APR varies from 17.49% to 27.49%. There is no annual fee. Even though this card does not have rewards and bonuses, it is an excellent option for paying off large expenses. To qualify, you need a credit score in the range of 690-850. 


  • 18 cycles with 0% APR.
  • No annual fee.
  • Flexible payment date.


  • No bonuses and rewards.

Citi Rewards+® Card

Citi Rewards+ Card

Do you spend small sums of money frequently? Do you need the ideal rewards card with balance transfer available as well? If that is the deal, take a look into the Citi Rewards+® Card!

The best part about this card is that you get the first 15 months of balance transfer with 0% APR! After that, it varies from 16.49% to 26.49%, based on your credit score. The requirement for this card is a credit score in the range of 690-850. They have a great intro offer where you can earn up to 20,000 bonus points.


  • 15 months with no APR.
  • There is no annual fee.
  • Bonuses and rewards.


  • Spending caps.
  • Complicated redemption options.

Bank of America® Customized Cash Rewards Credit Card

Bank of America Customized Cash Rewards Credit Card

Apart from being able to choose your own bonus category, the Bank of America® Customized Cash Rewards Credit Card also allows for effortless balance transfers. You can get bonus rewards on various purchases. Apart from that, the APR on all balance transfers is going to be 0% for the first 18 billing cycles.

The regular APR is variable and in the range from 16.99% to 26.99%. This balance transfer credit card does not charge an annual fee. Your credit score must be good or excellent (690-850) to qualify. You can get up to $200 in rewards in the first 90 days.


  • Generous intro offer.
  • No APR period.
  • No annual fee.


  • A good or excellent credit score required.

Citi® Double Cash Card

Citi Double Cash Card

Citi® Double Cash Card is ideal for those looking for a great rewards rate. This card gives you a 2% rate on all purchases. It is also an excellent balance transfer option. The reason for that is that you get 0% APR for the first 18 months from opening your account. 

The regular Annual Percentage Rate varies from 16.99% to 26.99%. There is no annual fee, but your credit score must be in the following range: 690-850. Your credit score will also affect your APR once the first 18 months pass.


  • No APR for 18 months.
  • Rewarding program.
  • Good intro offer.


  • Excellent credit score.
  • There are no bonus categories.

BankAmericard® Card

BankAmericard Card

BankAmericard® Card might not be the best option for rewards, but it is an ideal balance transfer credit card. It is an excellent option to help you figure out and pay off your debt. They offer 0% APR on the first 21 billing cycles, which is more than most similar cards can provide. 

After that, based on your credit score, the APR will vary in the following range: 14.99%-24.99%. You do not have to pay an annual fee for this card. However, bear in mind that in order to get approved, your credit score must be from 690 to 850.


  • No annual fee.
  • Introductory offer.


  • No bonuses.

Wells Fargo Reflect® Card

Wells Fargo Reflect Card

If you are looking to pay off debt with a break from large interest rates, Wells Fargo Reflect® Card is perfect for you. This card will help you finance a large purchase with no interest for your first 21 months. This refers to 0% APR on all qualifying balance transfers!

Once those 21 months pass, your APR will be from 15.99% to 27.99%. This depends on your credit score, which must be good or excellent (690-850) to get approved. The best part is that there is no annual fee!


  • A long break from APR.
  • No Annual fee.


  • No rewards.
  • Requires good credit.

Citi Simplicity® Card

Citi Simplicity Card

Do you want to pay off debt without being charged a ton? The Citi Simplicity® Card offers you a 21-months period to do that with 0% APR! This period is for balance transfers only, but you also get 12 months interest-free on purchases.

The Annual Percentage Rate will be from 16.99% to 27.74% after that period. There is no annual fee, and your credit score must be good or excellent. There are also no late payment fees or other penalties.


  • No annual fee.
  • No late fees.
  • 0% APR for the first 21 months.


  • No bonuses.
  • No rewards.

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card might not be perfect for rewards, but it certainly is for balance transfers. Pay off your debt with 0% APR in the first 21 months from the account opening. After that, make a balance transfer at a variable APR in the following range: 15.99%-26.74%. 

There is no annual fee, but there are also no late payment fees, which is rare with such cards. This balance transfer credit card gives you an intro offer to earn $150 in statement credit. Citi® Diamond Preferred® Card has numerous other perks, such as special access to tickets for various events.


  • Many additional benefits.
  • No annual fee.
  • A long period of no APR.


  • Requires an excellent credit score (690-850).

Balance Transfer

What Is a Balance Transfer?

To manage all your borrowings and to put them all in one account, a balance transfer might be the best solution. This pretty much means you will move all your debt from many cards to a particular one. The main perk is not having it all in one place, but also the possibility of getting lower rates.

It also might be useful to look for cards with a 0% intro APR. There is a chance to avoid interest rates for a while, and it can be highly beneficial. Finance a large purchase or even pay off debt in an easier manner with a balance transfer credit card.

What is a 0% balance transfer?

There are many credit cards on the market that provide you with a 0% Annual Percentage Rate for the first few months. Some even give you up to 21 months interest-free. That means that you can put all your debt in one place and pay it off with no interest at the beginning!

This option helps you save money and pay your debt off much quicker. If you have a good credit score, make sure to check out this option. Manage your finances much better this way!

How does a balance transfer work?

As we have mentioned before, balance transfer cards allow you to roll over the debt and pay it off at lower interest rates. The overall process can differ based on numerous factors. However, here are a few common steps to follow:

1. Apply for a new card
Choose the best card for you and send in your application. Make sure it works perfectly for you and that you fit the requirements.
2. Start the transfer
Initiate the transfer process to have all your debt in one spot.
3. Pay the balance at 0% APR
Once you get the introductory offer with 0%, make sure to use it. Pay off as much as you can and make regular monthly payments.

How to Choose a Balance Transfer Credit Card?

Having a lot of options for something is both a curse and a blessing. While it gives you multiple choices, it also means that you have to pick carefully. The same goes for balance transfer credit cards with no APR.  Here are three steps that you can follow:

  1. Check Your Credit Score
    Make sure that you qualify before you apply for the credit card. Most of the 0% APR cards require a good or excellent credit score. 
  2. Review the Time Frame for Completing a Balance Transfer
    Look into the turnaround time and ensure that the process is quick and simple. 
  3. Consider How Much Time You Need to Repay Debt
    Look into different options to determine which card offers the most interest-free time. Compare that to your situation, and see which card will give you enough time to repay your debt.

How to Use a Balance Transfer Card

Even though the balance transfer card is generally used for debt repayment, you can also use it to make purchases or bill payments. However, bear in mind that there might be interest rates due to spending. Make sure to double-check that one!

The main purpose of your balance transfer card is to manage your finances better. Save money and repay what you owe. You can use this card to be more responsible and tactful with your money!


  • Do balance transfers hurt my credit?

No, balance transfers do not affect your credit. However, most credit cards require you to have good credit in order to qualify.

  • How long is the average balance transfer offer?

Generally, the intro period with no APR lasts for 12 months on average. However, depending on the card and the company, this can be anywhere from 6 to 21 months.

  • What types of debt can I transfer with a balance transfer credit card?

There are multiple types of debts that you can transfer. This completely depends on what your credit card of choice allows. It can be a home, auto, personal, or even a student loan.

  • Which is the best bank for balance transfer?

Bank of America is certainly at the top when it comes to balance transfer cards. It is followed by Wells Fargo and Citi® cards.

  • Is it worth having a balance transfer?

Yes, if you know how to manage your finances properly, a balance transfer is highly beneficial. You can save money, repay your debt faster, and have all your borrowing on one card.