Best 0% APR Balance Transfer Offers of 2018 (Up to 21 Months)

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0aprInterest rates are rising, which applies to credit card APRs as well. Don’t worry about which card earns the most points or airline miles when you are paying a whopping 20%+ interest in your balances. One strategy to get out of debt is to first transfer your balance to another issuer via a 0% APR balance transfer offer. Below are the best 0% APR balance transfer offers as of October 2018.

You’ll want the best combination of the longest 0% APR period and the lowest balance transfer fees. For example, if you are paying 20% APR, that’s like paying 1.66% on your balance every month. If you get a 0% APR off for 21 months with a 5% fee, that’s works out to the same cost as paying another 3 months of your previous 20% APR interest, and then the remaining 18 months at 0% interest. Meanwhile, you can spread out your payments over the full 21 months. Alternatively, if you are sure you can get it all paid off faster, you should look for a shorter offer with no balance transfer fee.

CitiSimplicityCard (1) 1) Citi Simplicity® Card – 0% Introductory APR on balance transfers for 21 months. From our partner Citi, this 0% intro period lasts 1.75 years. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% – 25.99%, based on your creditworthiness. There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater. However, consider that paying a 5% fee is like paying 3 months of interest at 20% APR, while this 0% intro offer lasts a full 21 months.  Additional unique features on this card include no late payment fees and no penalty rate.  No annual fee.


2) Amex EveryDay Card from American Express0% intro APR on purchases and balance transfers for 15 months. After that, the variable APR will be 14.99% – 25.99%, based on your creditworthiness. No balance transfer fee for the first 60 days of opening the account. No annual fee.

3) BankAmericard® Credit Card0% Introductory APR on both balance transfers and purchases for 15 billing cycles. After that, the variable APR will be 14.99% – 24.99%, based on your creditworthiness. No balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10). No annual fee.

Slate from Chase Card Art 4) Chase Slate Card0% Introductory APR on both balance transfers and purchases for 15 months. After that, the variable APR will be 16.74% – 25.49%, based on your creditworthiness. No balance transfer fee for the first 60 days of opening the account. After that, the fee for future balance transfers is 5% of the amount transferred ($5 min). No annual fee.

5) First Tech Fed Choice Rewards Card – 0% Introductory APR on both balance transfers for 12 months on balances transferred during the first 90 days after account opening. After that, the variable APR will be 11.74% – 18.00%, based on your creditworthiness. No balance transfer fee. You must be an First Tech Federal Credit Union member to obtain this card, but membership is open to everyone who joins a partner organization for a small fee. No annual fee.

6) Citi® Double Cash Card – 0% Introductory APR on balance transfers for 18 months. After that, the APR will be 15.49% – 25.49% variable based upon your creditworthiness. There is a balance transfer fee of either $5 or 3% of the amount of each transfer. However, consider that paying a 5% fee is like paying 3 months of interest at 20% APR, while this 0% intro offer lasts a full 18 months. This card also earns 2% cash back on purchases. No annual fee.

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.”