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®

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®.

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®

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.