Get Your Credit Card Debt Under Control and Save Money

Credit card debt can be a stressful situation and can feel impossible to get under control. With these great options, you can consolidate your debt to one card without paying additional fees, reduce your interest rates with ultra-long 0% APR introductory periods, and even earn cash back while paying no interest. All cards featured here have at least 15 months of 0% APR on balance transfers and do not have an annual fee to help you maximize your savings.

  • Chase Slate® - 15 Months of 0% Intro APR. No balance transfer fee.
    ...
    0%
    15
    Months
    $0
    Balance Transfer Intro APR
    Balance Transfer Promo Period
    Balance Transfer Fee
    Credit Required: Excellent / Good
No Balance Transfer Fee

The majority of credit cards that offer 0% introductory APR on balance transfers also charge a 3%-5% balance transfer fee, with the exception of Chase Slate®. There is no fee for transferring your balance within the first 60 days of account opening, no annual fee, and no interest on balances transferred in the first 15 months. All that makes this card a brilliant choice for getting control of your credit card debt, as you can transfer your balance for free, then use the 15-month interest-free grace period to pay down your balance.

Highlights

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers.
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  • BankAmericard®Credit Card
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    0%
    18
    Billing Cycles
    3%
    Balance Transfer Intro APR
    Balance Transfer Promo Period
    Balance Transfer Fee
    Credit Required: Excellent / Good
Ultra-Long 0% Introductory APR Period

With 18 billing cycles of no interest, the BankAmericard® Credit Card has one of the longest 0% APR introductory periods for balance transfers. If you're carrying a balance, and realistically you know you will have to carry that balance for a while, this card is a great choice. There is a 3% balance transfer fee*, but if you’re looking to avoid paying any interest on your credit card balances for as long as possible, the BankAmericard could be your card.

Highlights

  • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.24% - 21.24% Variable APR.
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
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  • Chase Freedom Unlimited
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    0%
    15
    Months
    5%
    Balance Transfer Intro APR
    Balance Transfer Promo Period
    Balance Transfer Fee
    Credit Required: Excellent / Good
Biggest Intro Bonus Offer

Chase Freedom UnlimitedSM offers 15 months of 0% APR on both balance transfers and purchases. The $150 introductory bonus (after you spend $500 on purchases in the first 3 months of account opening) is one of the highest for a card with a long 0% APR introductory offer. You also get unlimited 1.5% cash back on every purchase. Depending on how much you are looking to transfer and how much you are planning to spend, those rewards could offset the cost of the 5% balance transfer fee.

Highlights

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • NEW! Unlimited 1.5% cash back on every purchase – it’s automatic
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
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  • Citi® Double Cash Card - 18 month BT offer
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    0%*
    18*
    Months
    3%*
    Balance Transfer Intro APR
    Balance Transfer Promo Period
    Balance Transfer Fee
    Credit Required: Excellent / Good
Highest On-going Rewards Rate

Yet another card with 0% APR for 18 months on balance transfers. The Citi® Double Cash Card - 18 month BT offer not only has 1% cash back when you buy but also gives you 1% cash back as you pay for those purchases, whether in full or over time.* There is a 3% balance transfer fee but the ability to earn cash back twice on every purchase may offset that fee.

Highlights

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Balance transfer fee: either $5 or 3% of the amount of each transfer, whichever is greater
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