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Top 10 0% Intro APR Balance Transfer Credit Cards

0% Intro APR Balance Transfer Credit Cards offer a promotional period during which no interest is charged on transferred balances. This allows cardholders to pay down existing debt without accruing additional interest, making it an attractive option for those looking to manage and reduce their debt more effectively.

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During the promotional period, which typically ranges from 6 to 21 months, cardholders can transfer balances from high-interest credit cards to the new card and focus on paying off the principal amount. This can result in significant savings on interest payments. However, it’s important to be aware of potential balance transfer fees, which usually range from 3% to 5% of the transferred amount. Additionally, after the introductory period ends, the APR will revert to the card’s standard rate, which could be high. Therefore, it’s crucial to have a plan to pay off the transferred balance within the promotional period. Reading the terms and conditions carefully can help avoid unexpected costs and make the most of the introductory offer.

  • Chase Freedom Unlimited®
    Chase Freedom Unlimited®

    Chase Freedom Unlimited® - Cash-back credit card with no annual fee.

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  • Citi® Double Cash Card
    Citi® Double Cash Card

    Citi® Double Cash Card - Citi Double Cash Card: 2% cash back on all purchases.

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  • Wells Fargo Reflect® Card
    Wells Fargo Reflect® Card

    Wells Fargo Reflect® Card - Wells Fargo Reflect® Card: Low intro APR, extended interest-free period.

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  • BankAmericard® credit card
    BankAmericard® credit card

    BankAmericard® credit card - Early credit card, now known as Visa.

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  • Discover it® Balance Transfer
    Discover it® Balance Transfer

    Discover it® Balance Transfer - 0% intro APR on balance transfers for 18 months.

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  • U.S. Bank Visa® Platinum Card
    U.S. Bank Visa® Platinum Card

    U.S. Bank Visa® Platinum Card - U.S. Bank Visa® Platinum Card: Low APR, no annual fee.

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  • American Express Cash Magnet® Card
    American Express Cash Magnet® Card

    American Express Cash Magnet® Card - Unlimited 1.5% cash back, no annual fee.

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  • HSBC Gold Mastercard® credit card
    HSBC Gold Mastercard® credit card

    HSBC Gold Mastercard® credit card - No annual fee, global acceptance, rewards program.

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  • Citi Simplicity® Card
    Citi Simplicity® Card

    Citi Simplicity® Card - No late fees, no penalty rate, simple terms.

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Top 10 0% Intro APR Balance Transfer Credit Cards

1.

Chase Freedom Unlimited®

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The Chase Freedom Unlimited® is a versatile cash back credit card that offers unlimited 1.5% cash back on all purchases. Additionally, it provides 5% cash back on travel booked through Chase Ultimate Rewards®, 3% on dining and drugstore purchases, and 1.5% on everything else. There’s no annual fee, and new cardholders can benefit from an attractive sign-up bonus and a 0% introductory APR on purchases and balance transfers for the first 15 months.

Pros

  • pros 5% cash back on all purchases
  • pros No annual fee
  • pros Introductory 0% APR
  • pros Flexible redemption options
  • pros Purchase protection

Cons

  • consForeign transaction fees Requires good credit Limited travel benefits Balance transfer fee High APR after intro period
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2.

Citi® Double Cash Card

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The Citi® Double Cash Card is a versatile cash-back credit card offering 2% cash back on all purchases: 1% when you buy and an additional 1% when you pay off the balance. It features no annual fee and a 0% introductory APR on balance transfers for 18 months, followed by a variable APR. The card also includes benefits like Citi Entertainment access and protection features, making it a solid choice for straightforward cash-back rewards and financial flexibility.

Pros

  • pros 2% cash back on all purchases
  • pros no annual fee
  • pros flexible redemption options
  • pros long intro APR on balance transfers
  • pros easy to track rewards.

Cons

  • consNo intro APR on purchases
  • cons foreign transaction fee
  • cons balance transfer fee
  • cons cash back can expire
  • cons limited additional benefits.
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3.

Wells Fargo Reflect® Card

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The Wells Fargo Reflect® Card is a versatile credit card offering an introductory 0% APR on purchases and qualifying balance transfers for up to 21 months, making it ideal for managing large expenses or consolidating debt. It features no annual fee and provides tools for budgeting and tracking expenses. Additionally, cardholders can access 24/7 customer service and account management through the Wells Fargo mobile app. Note that standard APR applies after the introductory period.

Pros

  • pros 0% intro APR
  • pros long intro period
  • pros no annual fee
  • pros cell phone protection
  • pros flexible rewards.

Cons

  • consHigh regular APR
  • cons foreign transaction fee
  • cons limited rewards categories
  • cons requires good credit
  • cons no sign-up bonus.
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4.

BankAmericard® credit card

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The BankAmericard® credit card is a straightforward, no-frills card ideal for those seeking to manage debt with ease. It offers an introductory 0% APR on purchases and balance transfers for a specified period, followed by a competitive variable APR. With no annual fee and access to basic cardholder benefits, it is designed for individuals looking to minimize interest payments and maintain financial simplicity. Additionally, it features standard security measures and convenient access to credit management tools.

Pros

  • pros No annual fee
  • pros Fraud protection
  • pros Intro APR offers
  • pros Online and mobile banking
  • pros Wide acceptance.

Cons

  • consHigh regular APR
  • cons Limited rewards
  • cons Foreign transaction fees
  • cons Strict approval requirements
  • cons Minimal benefits.
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5.

Discover it® Balance Transfer

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The Discover it® Balance Transfer card is ideal for those looking to consolidate high-interest debt. It offers an introductory 0% APR on balance transfers for 18 months and on purchases for six months, then a variable APR of 17.24% - 28.24%. Cardholders earn 5% cash back on rotating quarterly categories and 1% on all other purchases. Additionally, Discover matches all cash back earned in the first year, providing significant savings and rewards.

Pros

  • pros 0% APR for 18 months on balance transfers
  • pros Cashback rewards
  • pros No annual fee
  • pros Cashback match first year
  • pros Flexible redemption options.

Cons

  • consHigh balance transfer fee
  • cons High regular APR after intro period
  • cons Limited international acceptance
  • cons Requires good credit
  • cons Cashback categories capped.
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6.

U.S. Bank Visa® Platinum Card

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The U.S. Bank Visa® Platinum Card is a credit card offering a lengthy 0% introductory APR on purchases and balance transfers, making it ideal for those looking to manage debt or finance large purchases. It features no annual fee, providing an affordable option for consumers. Additionally, the card includes benefits like fraud protection, mobile payment compatibility, and free access to your TransUnion credit score, catering to both convenience and security needs.

Pros

  • pros 0% intro APR on purchases
  • pros 0% intro APR on balance transfers
  • pros No annual fee
  • pros Cell phone protection
  • pros Free credit score access.

Cons

  • consNo rewards program
  • cons Balance transfer fee
  • cons High regular APR
  • cons Foreign transaction fees
  • cons Limited benefits compared to competitors.
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7.

American Express Cash Magnet® Card

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The American Express Cash Magnet® Card offers a straightforward cash back experience, providing 1.5% unlimited cash back on all purchases. With no annual fee, it features a welcome bonus for new cardholders who meet a minimum spending requirement within the first few months. Additional perks include purchase protection, car rental loss and damage insurance, and access to Amex Offers for discounts and deals. Ideal for those seeking a simple, no-fuss rewards card.

Pros

  • pros No annual fee
  • pros Unlimited 1.5% cash back
  • pros Intro APR on purchases
  • pros Purchase protection
  • pros Extended warranty.

Cons

  • consForeign transaction fees
  • cons Higher APR after intro period
  • cons Limited reward redemption options
  • cons No bonus categories
  • cons Requires good credit.
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8.

HSBC Gold Mastercard® credit card

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The HSBC Gold Mastercard® credit card offers a competitive combination of benefits and features, including no annual fee, a low introductory APR on purchases and balance transfers, and no foreign transaction fees. Ideal for budget-conscious consumers, it also provides purchase protection, extended warranty coverage, and access to HSBC's suite of personal finance tools. Cardholders can enjoy these perks while managing their finances with ease and flexibility, making it a practical choice for everyday spending.

Pros

  • pros No annual fee
  • pros 0% intro APR on balance transfers
  • pros travel benefits
  • pros purchase protection
  • pros fraud protection.

Cons

  • consForeign transaction fee
  • cons high regular APR
  • cons limited rewards
  • cons no sign-up bonus
  • cons limited acceptance.
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9.

Citi Simplicity® Card

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The Citi Simplicity® Card is a no-annual-fee credit card designed for simplicity and ease of use. It offers an extended 0% introductory APR on balance transfers and purchases for a specified period, making it ideal for consolidating debt or managing large expenses. The card features no late fees, no penalty rates, and no annual fees, making it a straightforward choice for those seeking to minimize extra costs and manage their finances more effectively.

Pros

  • pros 0% intro APR
  • pros No late fees
  • pros No annual fee
  • pros Long intro APR period
  • pros Flexible payment options.

Cons

  • cons High regular APR
  • cons No rewards program
  • cons Limited benefits
  • cons Balance transfer fee
  • cons Foreign transaction fee.
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