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.

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

Great for: Balance Transfers and Bonus Categories

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Securely with Discover

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • View Rates and Fees
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  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • View Rates and Fees
Close

Annual Fee

$0

Intro APR

0% on Purchases for 6 months and 0% 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

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VIEW RATES AND FEES

[object Object] card art

on Bank of America's website, or call (800) 322-7707

Great for: Cost-Effective Balance Transfer

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Securely with Bank of America

  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.49% - 24.49% 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
See card details

  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.49% - 24.49% 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% on Purchases for 18 billing cycles and 0% on Balance Transfers for 18 billing cycles for balance transfers made in the first 60 days

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 Citibank's application

Great for: Longest 0% APR Period

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Securely with Citibank

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges.
See card details

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
See card details

Annual Fee

$0

Intro APR

0% on Purchases for 12 months and 0% on Balance Transfers for 21 months

Balance Transfer Fee

5% of each balance transfer; $5 minimum.

Recommended Credit Score

690 - 850

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

on HSBC's website

Great for: Long 0% Intro APR Period

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Securely with HSBC

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 14.49% - 24.49% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • View Rates and Fees
See card details

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 14.49% - 24.49% will apply.
  • No Penalty APR.
See card details

Annual Fee

$0

Intro APR

0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.

Balance Transfer Fee

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons

VIEW RATES AND FEES

[object Object] card art

on US Bank's website

Great for: Long 0% Intro APR period

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Securely with US Bank

  • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 15.49% - 25.49%
  • Great offer from U.S. Bank, a 2019 World's Most Ethical Company® - Ethisphere Institute, February 2019
  • 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 18 billing cycles. After that, a variable APR currently 15.49% - 25.49%
  • Great offer from U.S. Bank, a 2019 World's Most Ethical Company® - Ethisphere Institute, February 2019
See card details

Annual Fee

$0

Intro APR

0%* on purchases and balance transfers for 18 billing cycles*

Balance Transfer Fee

3%

Recommended Credit Score

690 - 719

Good - Good
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.