Best balance transfer cards with zero interest

balance transfer offerBest balance transfer cards let you get out of debt faster. Or consolidate your credit card debt into one simple monthly payment. Best of you may not to pay any interest from six months, up to a year or more.

What’s the secret to this easy to use trick? Transfer your balances to a card with a zero percent introductory offer. Many banks offer that deal, but most you charge an upfront fee of 3% to 5%. I found a select few banks and credit unions that save you hundreds of dollars in fees. Put up to $150 to $250 in your pocket, for a $5,000 transfer.

Remember to plan ahead, because transfers between cards may take several weeks to post on new accounts, so make your monthly payments on old account until you see the debt gone.

Below are five credit cards that offer an introductory 0% APR offer, no balance transfer fee, and no annual fee.


Bank of America Credit Card

bank of america credit card

Balance Transfer APR: 0% for 15 billing cycles; 12.99%-22.99% thereafter ($10 min)

Balance Transfer Fee: 0% (on charges made within 60 days of account opening); 3% thereafter ($10 min)

Annual Fee: $0

Benefits type: MasterCard

Read the fine print of the card’s terms & conditions here.

APPLY HERE for Bank of America Credit Card


Chase Slate Credit Card

chase slate credit card

Balance Transfer APR: 0% for 15 billing cycles of account opening; 15.99%-24.74% thereafter

Balance Transfer Fee: 0% (on charges made within 60 days of account opening); 5% thereafter ($5 min)

Annual Fee: $0

Benefits Type: VISA

Read the fine print of the card’s terms & conditions here.

APPLY HERE for Chase Slate Card


La Capitol FCU Credit Cards

La Capital Credit Cards

Balance Transfer APR: 0%  for 12 months (on charges made within 90 days of account opening); 11.25%-18.00% thereafter

Balance Transfer Fee: 0%

Annual Fee: $0

Benefits type: VISA

Read the fine print of the card’s terms & conditions here.

Credit unions allow only members to use their credit products. Get information on joining the La Capitol Federal Credit Union here. National eligibility is available through a $20 fee to the Louisiana Association for Personal Financial Achievement.

In addition to the card, La Capitol offers a generous 4.25% interest rate on its La Cap’s All Access Advantage checking account, up to $5,000 maximum. The catch is 25 or more posted non-ATM debit card transactions per month with the account.

APPLY HERE for La Capitol FCU Credit Card


Andigo Credit Union Cardandigo credt card platinum

Balance Transfer APR: 0% on charges within 6 months of account opening; 10.65%-19.65% thereafter

Balance Transfer Fee: 0% all the time

Annual Fee: $0

Benefits type: VISA

Read the fine print of the card’s terms & conditions here.

Credit unions allow only members to use their credit products. Get information on joining the Andigo Credit Union here. National eligibility is available through a $15 donation to ConnectVETS

APPLY HERE for Andigo Credit Card


Evansville Teachers FCU Credit Card

Evansville Teachers FCU Visa CC

Balance Transfer APR: 0% on charges made within 6 months of account opening; 7.25% thereafter

Balance Transfer Fee: 0% all the time

Annual Fee: $0

Benefits type: VISA

Read the fine print of the card’s consumer credit card agreement here.

Credit unions allow only members to use their credit products. Get information on joining the Evansville Teachers FCU here. National eligibility is available through by paying $5 annual dues to Mater Dei Friends & Alumni Association

APPLY HERE for Evansville Teachers FCU Credit Card