BEST OF

Best Balance Transfer and 0% APR Credit Cards of November 2019

Get a card with an intro 0% APR offer and pay off your debt faster. Compare these deals, some of which are from our partners, to find the one for you.

[object Object] card art

on Discover's website, or call (800) 347-0264

Great for: Balance Transfers and Bonus Categories

NerdWallet Rating
Securely with Discover

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • View Rates and Fees
Close

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • View Rates and Fees
Close

Annual Fee

$0

Intro APR

0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months

Balance Transfer Fee

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Recommended Credit Score

690 - 850

Good - Excellent

Pros

  • Bonus cash back categories
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers
  • No foreign transaction fee

Cons

  • Slightly less merchant acceptance for Discover in US - acceptance outside of US can be an issue
  • If you value simplicity, a flat rate cash back card may be better

on Discover's website, or call (800) 347-0264

Close

VIEW RATES AND FEES

[object Object] card art

on Bank of America's website

Great for: Cost-Effective Balance Transfer

NerdWallet Rating
Securely with Bank of America

  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
  • Contactless Cards - The security of a chip card, with the convenience of a tap
See card details

  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
See card details

Annual Fee

$0

Intro APR

0% intro APR for 12 billing cycles on purchases and on balance transfers made within 60 days of account opening

Balance Transfer Fee

Either $10 or 3% of the amount of each transaction, whichever is greater.

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
[object Object] card art

on US Bank's website

Great for: Long 0% Intro APR period

NerdWallet Rating
Securely with US Bank

  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% - 24.49%.
  • Great offer from U.S. Bank, a 2020 World's Most Ethical Company® - Ethisphere Institute, February 2021.
  • No Annual Fee*
  • Flexibility to choose a payment due date that fits your schedule.
  • 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 U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
  • View Rates and Fees
See card details

  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% - 24.49%.
  • Great offer from U.S. Bank, a 2020 World's Most Ethical Company® - Ethisphere Institute, February 2021.
See card details

Annual Fee

$0*

Intro APR

0%* intro APR for 20 billing cycles on purchases and balance transfers*

Balance Transfer Fee

Either 3% of the amount of each transfer or $5 minimum, whichever is greater

Recommended Credit Score

720 - 850

Excellent - Excellent
See NerdWallet's pros & cons

VIEW RATES AND FEES

Want to see more card selections? Check out another pick for 2019's best balance transfer card, the Amex Everyday®. The information related to Amex Everyday has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.