Best Balance Transfer Credit Card Offers with 0% APR and No Balance Transfer Fee

Credit card debt appears in no time but it takes a long time to pay it off. Carrying a balance leads to accruing interest which may become a substantial part of your minimum monthly payments. The higher your APR, the more interest you pay, and the longer it takes to pay off your debt.

The first solution to consider is to transfer your debt to another credit card with lower interest rates. To help you avoid accruing interest and repay your debt easier, we’ve picked three balance transfer credit cards with a 0% introductory balance transfer APR along with zero annual and balance transfer fee.

Chase Slate® photo Chase Slate® Apply Now on Chase’s secure website.
Intro period:
15mo
Balance Transfer Intro APR:
0%

0% Intro APR for the first 15 billing cycles that your Account is open. After that, 15.49% to 24.24%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.

Transfer Fee:
5%

$0 Intro fee on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.

Annual Fee:
$0

Chase Slate®

Chase offers low-cost debt relief opportunity to those struggling with their credit card debt. The card is available to new cardmembers with a good to excellent credit score.

The Chase Slate® is geared for balance transfers. Its 0% introductory APR for 15 months and $0 annual fee allow you to save on high interest payments and accompanying fees while paying down your debt. Transfer your balance within 60 days of account opening and avoid even a standard balance transfer fee.

  • No annual fee,
  • No fee on balance transfers if made within 60 days of account opening,
  • Intro APR of 0% on balance transfers for 15 months,
  • Intro APR of 0% on purchases for 15 months.
  • No rewards program.

If you want to reduce expenses while paying down your existing credit card debt, use this balance transfer opportunity. Save and pay off your debt faster with the Chase Slate® credit card.

Barclaycard Ring™ Platinum MasterCard® photo Barclaycard Ring™ Platinum MasterCard® Apply Now on Barclaycard’s secure website.
Intro period:
15mo
Balance Transfer Intro APR:
0%

0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.

Transfer Fee:
0%
Annual Fee:
$0

Barclaycard Ring™ Platinum MasterCard®

If your credit score is excellent and you’re looking for better rates for your credit card debt, the Barclaycard Ring™ Platinum MasterCard® is a great finding.

The card has a 15-month introductory period for balance transfers. This offer includes a 0% APR and no balance transfer fee. To benefit from this offer, you should transfer balance within the first 45 days of account opening. After the introductory period ends, APR on balance transfers will become 13.99% which is much lower than average as compared to other credit cards.

  • No annual fee,
  • No fee on balance transfers if made within 45 days of account opening,
  • No foreign transaction fee,
  • Intro APR of 0% on balance transfers for 15 months,
  • Regular APR of 13.99% on purchases, balance transfers and cash advances,
  • Profit sharing feature is available to all the cardmembers.
  • Comparatively high approval requirements.

Pay down your credit card debt at a lower cost with the Barclaycard Ring™ Platinum MasterCard®.

First Tennessee Platinum Premier® Visa® photo First Tennessee Platinum Premier® Visa® Apply Now on First Tennessee’s secure website.
Intro period:
12mo
Balance Transfer Intro APR:
0%

0% introductory APR for the first 12 months after account opening.

Transfer Fee:
4%

4% of each new Balance Transfer, but the fee will not be less than $10 per transaction.

Annual Fee:
$0

First Tennessee Platinum Premier Visa®

Those with a high credit score and credit card debt may turn to a debt relief solution from First Tennessee.

The First Tennessee Platinum Premier Visa® is designed to make balance transfers more affordable and reduce cost of your credit card debt for you. It has no balance transfer fee for new cardmembers, a one-year introductory period with 0% balance transfer APR and a grace period for balance transfers after the introductory period.

  • No annual fee,
  • No balance transfer fee,
  • Intro APR of 0% on balance transfers for 12 months,
  • Grace period for balance transfers after the introductory period,
  • Cash back rewards program.
  • First Tennessee is a regional bank,
  • Short introductory period of 12 months.

If you are struggling to pay down your credit card debt faster, transfer it to your First Tennessee Platinum Premier Visa® account and save on an annual fee and accruing interest.

How we choose our best cards

For this rating we have picked only credit cards allowing you to transfer balances with no additional expenses. Our favorite cards have no annual fees, intro period with no balance transfer fee and 0% introductory APR on balance transfers.