Once The Intro Rate Has Expired

More than a few people have asked about some good 0% APR Balance Transfer offers, and the ability to save tons of interest with no fee offers or even many low fee offers. I’ve looked at hundreds of cards online, actually read the “Terms & Conditions” fine print, and the listed ones below are the best that I’ve found with the longest 0% APR periods and the lowest fees.

It’s been harder to avoid all fees these days, but remember that stretched across a longer time period, the overall effective APR can still be very low even with a small fee. Also listed are other perks and features that help make each card useful. Citi Double Cash Card - 18 month BT offer - Get 0% Intro APR on Balance Transfers for 18 months. 5 or 3% of the amount of each transfer.

From our partner Citi, this is an exceptionally long 0% intro terms of 18 months. The added balance transfer time can save hundreds of dollars in interest if you aren’t able to take advantage of the fee free options and pay the full balances off in time. The Citi Double Cash Card earns 2% cash back on purchases: 1% when you buy plus 1% as you pay.

That’s “double” the 1% cash back competition. Chase Slate - 0% Introductory APR on both balance transfers and purchases for 15 months. No balance transfer fee for the first 60 days of opening the account. Once the intro rate has expired, there is a 16.49%-25.24% variable APR. Cardholders will also receive a free FICO score updated monthly. Alliant Credit Union Visa Platinum Card - 0% Introductory APR on both balance transfers and purchases for 12 months.

No balance transfer fees. After that, a variable rate applies ranging from 10.74%-22.74% APR. A small catch is that you must be an Alliant CU member to obtain this card, but their membership requirements are relatively open. Discover it Card - 0% intro APR for 14 months from date of account opening.

After the intro APR expires, your APR will be 13.49% to 24.49%, based on your creditworthiness. Balance transfer fee is 3%. Rewards program offers 5% cash back on rotating categories throughout the year (like gas, groceries and restaurants) and 1% cash back on all other purchases. As an added bonus, for the first year, all new cardholders will receive double cashback through their Cashback Match program.

Citi Simplicity Card - 0% Introductory APR on both balance transfers and purchases for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness. 5 or 5% of the amount of each transfer, whichever is greater. Additional unique features on this card include no over-limit fees or late payment fees. “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.

Of those double-whammy cards with the best of both, the vast majority are offered by credit unions, small banks, and private firms. That said, you do have a couple of mainstream options for fee-free balance transfers, both from giants in the industry — and both without annual fees, to boot.

0 Intro Balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply. See application, terms and details. The BankAmericard Credit Card doesn’t offer cash back or other rewards, but it does have a solid introductory 0% APR offer and won’t charge a fee on balances transferred within the first 60 days.

Balances transferred after that will be charged a 3% fee, so transfer early if you intend to take advantage of the offer. The Chase Slate Credit Card doesn’t offer a lot of fancy perks, such as cash back rewards, but it does have a comprehensive introductory 0% APR offer. Additionally, you won’t be charged a fee on balance transfers made within the first 60 days. When considering your options, remember that you can’t transfer a balance from one Chase card to another.

Offered by financial services company, Edward Jones, the Edward Jones World MasterCard is available to existing Edward Jones customers. Cardholders can earn Loyalty Rewards redeemable for cash back, travel, charitable donations, or deposits into your Edward Jones accounts. For a limited time, enjoy an introductory 0% APR offer and pay no balance transfer fee on balances transferred within the first 60 days. If you have your heart set on a fee-free balance transfer card from a credit union, be prepared to jump through a few hoops.