Compare Top 0% Balance Transfer Credit Cards
Credit card APRs average over 24%. Stop paying compounding interest. We analyze 30+ leading US credit cards to help you find the longest 0% intro APR windows, lowest transfer fees, and calculate your exact debt-free savings.
Editor’s Top 0% Balance Transfer Picks (2026)
Citi Simplicity® Card
- 0% Intro APR for 21 months on balance transfers
- No late fees, no penalty rate, ever
- 3% or $5 transfer fee within first 4 months
Active Cash® Card
- 0% Intro APR for 15 months on transfers & purchases
- Unlimited 2% cash rewards on every purchase
- $0 annual fee with cell phone protection
Discover it® Balance Transfer
- 0% Intro APR for 18 months on balance transfers
- 5% cash back in quarterly rotating categories
- First year Cashback Match™ for all new cardmembers
12 Free Debt Payoff & Savings Tools
View All 12 Calculators →How a 0% Balance Transfer Works in 3 Steps
Select & Apply for a 0% Card
Choose an offer matching your debt payoff timeline (12 to 21 months). Ensure your FICO credit score meets issuer standards (typically 670+) and that the credit limit will cover your high-interest balance.
Initiate the Balance Transfer
Provide the account details and requested transfer amount from your existing card. The new bank pays off your old account (usually within 5 to 7 days), and a standard 3% to 5% transfer fee is added to your new balance.
Pay Down Principal Interest-Free
Divide your total balance by the promotional months to set a fixed monthly payment. 100% of each dollar reduces your principal debt, allowing you to become debt-free before the regular APR takes effect.
