The 3 Best 0% Balance Transfer Cards Now

The 3 Best 0% Balance Transfer Cards Now
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Sometimes, the coolest thing about a credit card is the rewards — upgrades, hotel points, travel miles, oh my! But sometimes, what you really need in a credit card is a way to lighten the load of other credit card debt.

If you have balances on cards with a high interest rate, check out these offers for 0% rates on balance transfers for introductory periods of 15 months — and some nice cash-back programs, too, depending on your needs. See which one best fits your financial situation and spending habits.

Capital One® Quicksilver® Cash Rewards

Capital One

Why it’s awesome: The Capital One® Quicksilver® Cash Rewards card offers 15 months at 0% interest on balance transfers plus 0% interest on all purchases for 15 months. If you’re going to be using it day-to-day, you’ll quickly net a $150 cash bonus after spending $500 with this card within the first three months — and you’ll enjoy a strong cash-back program as long as you have it.

More highlights:

  • Get 1.5% cash back on all purchases, unlimited
  • No annual fee
  • No foreign transaction fees

Important note: Balance transfers in the first 15 months are subject to a fee of 3%. After the introductory period, the variable APR on balance transfers is 15.49% to 25.49%.

Click here for more details and to compare this card with other offers.

Chase Freedom Unlimited®

Chase

Why it’s great: This Chase Freedom Unlimited® card also has a good balance transfer offer, with 15 months at 0%. If 15 months is a realistic timeline for you to pay off the transferred balance, then jump on this card for all its other perks — including an awesome cash-back program.

More highlights:

  • Get a $150 bonus when you spend $500 within the first three months.
  • Pay 0% on purchases made within the first 15 months.
  • Get all purchases at 0% interest for 15 months as well.
  • Get 1.5% cash back, unlimited, on all purchases.
  • No annual fee

Note: This card charges a 3% fee on balance transfers (with a minimum of $5) during the first 60 days of opening the account. After the introductory 15 months, the variable APR on balance transfers is 16.49% to 25.24%.

Click here for more details and to compare this card with other offers.

Capital One® SavorOne® Cash Rewards

Capital One

Here’s why we love it: Not only will you get cash back when you use Capital One® SavorOne® Cash Rewards card to purchase anything from electronics to cocktails, but you’ll also get a $150 cash bonus after making $500 worth of purchases within three months of opening this account. That’s in addition to 0% interest on balance transfers for 15 months.

Plus, this card gets top marks for price protection, allowing you to get a refund for the difference between what you paid on an item and a lower price advertised later. “In other words,” WalletHub explains, “credit card price protection can eliminate your fear of missing out on a better deal, allowing you to both buy with confidence and save money.” Yay!

More highlights:

  • Get 0% interest on purchases for 15 months.
  • Earn unlimited cash back: 3% on dining and entertainment, 2% at grocery stores and 1% on everything else.
  • No foreign transaction fees
  • No annual fee

Note: After the introductory 15-month period, the variable APR on this card is 15.49% to 25.49%.

Click here for more details and to compare this card with other offers.

Whatever you need in a credit card — whether it’s reward points, cash back, balance transfer or a low interest rate — you can find with our credit card search tool. Click here to search for the plastic that best fits your needs.

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