Best No Fee 0% APR Balance Transfer Offers – November 2019

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

0apr

I enjoy my credit card rewards, but carrying a balance at 15%+ interest is much more impactful on your finances! In fact, the WSJ reports that companies are charging higher interest rates because of their generous rewards programs. If you are ready to pay down that debt, consider transferring your balance to another issuer at a lower rate. Shopping around can save you thousands in interest.

You’ll want the best combination of the longest 0% APR period and the lowest balance transfer fees. Having no balance transfer fee is obviously best, but if you need to spread out your payments, it may be better to pick a longer term with a modest balance transfer fee. For example, if you are paying 20% APR, that’s like paying 1.66% on your balance every month. Below are the best 0% APR balance transfer offers from a variety of issuers (since you can’t transfer balances within the same issuer) as of November 2019.

1) Amex EveryDay Card from American Express0% Introductory APR for 15 months on both purchases and balance transfers and no balance transfer fee during the first 60 days after opening the account. After the intro APR offer ends, a variable APR will apply. Plus, earn a bonus 20,000 Membership Rewards points after you use your new Card to make $2,000 in purchases in your first 3 months. No annual fee.

2) BankAmericard Credit Card0% Introductory APR for 15 billing cycles on both balance transfers and purchases and no balance transfer fee during the first 60 days after opening the account. After the intro APR offer ends, a variable APR will apply. No annual fee.

Slate from Chase Card Art 3) Chase Slate Card0% Introductory APR for 15 months on both balance transfers and purchases and no balance transfer fee during the first 60 days after opening the account. After the intro APR offer ends, a variable APR will apply. No annual fee.

4) First Tech Fed Choice Rewards Card0% Introductory APR for 12 months on balance transfers and no balance transfer fee during the first 90 days after account opening. After the intro APR offer ends, a variable APR will apply. 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 as little as $8. No annual fee.

5) Navy Federal Credit Union Platinum Card0% Introductory APR for 12 months on balance transfers and no balance transfer fee during the first 30 days after account opening. After the intro APR offer ends, a variable APR will apply. Membership to Navy Federal Credit Union is limited those with a military relationship, but anyone who is the immediate relative of an active military member or veteran can join. No annual fee.

6) Citi Simplicity Card – 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. 0% Intro APR on purchases for 12 months from date of account opening. After the intro APR offer ends, a variable APR will apply. This card provides a longer term, but note that there is a balance transfer fee of 5% of the amount of each credit card balance transfer or $5, whichever is greater. No annual fee.

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.