Balance transfer credit cards with interest-free introductory offers can save you money while you work to pay off your credit card debt.

If you have high credit card balances and are paying high interest rates, you may want to consider transferring your balances over to a credit card with a 0% introductory rate on balance transfers.

We have compiled a list of balance transfer credit cards, and all of them have 2 features in common.

All of these balance transfer cards have No Annual Fee, and they offer 0% APR Introductory Offers on Balance Transfers.

It’s important that your balance transfer card has no annual fee, because the idea of transferring your balances is to save money, so any additional fees should be avoided if possible. The balance transfer cards in the list we have provided do not have annual fees.

Read more about How Annual Fees Affect Interest Rates.

You’ll also want a balance transfer credit card with a 0% introductory offer, so that you can avoid paying interest as long as possible, which means that all of your credit card payments will go directly towards your principal balance.

All of the balance transfer cards in this list also offer 0% APR introductory rates, so you’ll pay absolutely no interest during the introductory period for up to 15 months.

However, if you think it may take you longer than the interest-free introductory period to pay off your balance transfers, then you may want to consider Fixed APR for Life Balance Transfer Credit Cards, which offer a low fixed APR on your balance transfers for the life of the loan. Otherwise, you may end up paying a high interest rate on your remaining balance after the introductory offer expires.

Another way to save money is to choose a balance transfer card that has no balance transfer fees. Balance transfer fees can cost you up to around $100, depending on the amount of money you want to transfer and the specific fees of that credit card, so it’s best to choose a balance transfer card with no balance transfer fees.

We have divided our list of balance transfer cards into 2 main categories, balance transfer cards with no balance transfer fees and balance transfer cards that have balance transfer fees. These main categories are then further divided into general consumer cards, student cards and business cards.

If you have to settle for a balance transfer card with a balance transfer fee, you’ll still save money over the long term, considering the amount of interest you would otherwise pay on your current card during the interest-free introductory period of your new balance transfer card, but you will have to pay the one-time balance transfer fee, which is usually around 3% of the balance with a $5 to $10 minimum fee and a maximum fee anywhere between $50 and $100.

However, the best option is to choose a balance transfer card with no balance transfer fees.

After you make your balance transfer, remember not to make any purchases on your new card, since card issuers will credit any subsequent payments towards the portion of your total balance that has the lowest interest rate first. This means that any purchases made at high interest rates will continue generating interest while you’re paying off your interest-free balance transfer.

This can be avoided if the credit card also offers a 0% introductory rate on purchases for the same amount of time, but if you really want to concentrate on paying off your credit card debt, you should just use your balance transfer card to carry your balance interest-free while you pay off as much as you can.

0% APR Introductory Rate Balance Transfer Credit Cards with No Balance Transfer Fees

ESPN Total Access Visa Card
0% APR for the first 6 billing cycles on balance transfers and purchases with no balance transfer fees on balances transferred within the first 90 days of opening the account.
ESPN Total Access Card Review
ESPN Total Access Visa® Card

IberiaBank Visa Platinum Rewards Card
0% APR for 6 months on balance transfers and no balance transfer fees with this offer.
IberiaBank Credit Card Tips
IberiaBank Visa® Platinum Rewards Card

IberiaBank MasterCard Gold Cash Back Rewards Card
0% APR for 6 months on balance transfers and no balance transfer fees with this offer.
IberiaBank Credit Card Tips
IberiaBank MasterCard® Gold Cash Back Rewards Card

IberiaBank Visa Gold Cash Back Rewards Card
0% APR for 6 months on balance transfers and no balance transfer fees with this offer.
IberiaBank Credit Card Tips
IberiaBank Visa® Gold Cash Back Rewards Card

IberiaBank Visa Classic
0% APR for 6 months on balance transfers and no balance transfer fees with this offer.
IberiaBank Credit Card Tips
IberiaBank Visa® Classic

IberiaBank MasterCard
0% APR for 6 months on balance transfers and no balance transfer fees with this offer.
IberiaBank Credit Card Tips
IberiaBank MasterCard®

0% APR Introductory Rate Balance Transfer Credit Cards

BP Visa Rewards Card
0% APR for 12 months on balance transfers.
BP Credit Card Tips
Chase BP Visa® Rewards Card

Chase Flexible Rewards Platinum Visa Card
0% interest on purchases and balance transfers for 12 months.
Chase Flexible Rewards Platinum Visa® Card

Chase Free Cash Rewards Visa Card
0% APR on purchases and balance transfers for 12 months.
Chase Free Cash Credit Card Tips
Chase Free Cash Rewards^SM Visa® Card

Chase PerfectCard MasterCard
0% APR on purchases and balance transfers for 6 months.
Chase PerfectCard Credit Card Tips
Chase PerfectCard™ MasterCard®

Chase Platinum MasterCard
No interest on purchases and balance transfers for 12 months.
Chase Platinum MasterCard®

Chase Platinum Visa Card
0% interest on balance transfers and purchases for 12 months.
Chase Visa® Platinum Card

Discover More Card
0% introductory APR for 12 months on purchases and balance transfers.
Discover More Credit Card Tips
Discover® More^SM Card

Discover More Card - American Flag
0% APR on balance transfers for 12 months and 0% APR on purchases for 6 months.
Discover More Credit Card Tips
Discover® More^SM Card - American Flag

Discover More Card – Clear
0% APR on balance transfers for 12 months and 0% APR on purchases for 6 months.
Discover More Credit Card Tips
Discover® More^SM Card - Clear

Discover More Card – Monogram
0% APR on balance transfers for 12 months and 0% APR on purchases for 6 months.
Discover More Credit Card Tips
Discover® More^SM Card - Monogram

Discover More Card – Sealife Collection
0% APR on balance transfers for 12 months and 0% APR on purchases for 6 months.
Discover More Credit Card Tips
Discover® More^SM Card - Sealife Collection

Discover More Card – Wildlife Collection
0% APR on balance transfers for 12 months and 0% APR on purchases for 6 months.
Discover More Credit Card Tips
Discover® More^SM Card - Wildlife Collection

Discover Open Road Card
0% APR on balance transfers for 12 months and 0% APR on purchases for 6 months.
Discover Open Road Credit Card Tips
Discover® Open Road^SM Card

Miles by Discover Card
0% APR for 6 months on purchases and balance transfers.
Miles by Discover® Card

Pulaski Bank Gold Visa Card
No interest on balance transfers for 6 months.
Pulaski Bank Visa Gold

American DreamCard Platinum MasterCard
0% APR on purchases and balance transfers for 5 months.
Balance Transfer Credit Card Review

0% APR Balance Transfer Business Credit Cards

Chase Business Cash Rewards Card
No interest on purchases and balance transfers for 12 months.
Chase Business Cash Rewards Card

Chase Business Rebate Card
0% APR for up to 15 months on balance transfers with a fixed 7.99% APR thereafter.
The Chase Business Rebate Card

Advanta Platinum BusinessCard
0% interest for 12 months on purchases and balance transfers.
Advanta Credit Card Tips
Advanta Platinum BusinessCard

Advanta Platinum BusinessCard with Rewards
No interest on balance transfers for 15 months.
Advanta Credit Card Tips
Advanta Platinum BusinessCard with Rewards

Chase Platinum Business Card
No interest on balance transfers and purchases for 12 months.
Chase Platinum Visa® Business Card

Read more Tricks to Balance Transfers to find out how to make the most of your balance transfer credit card.

Take advantage of these interest-free balance transfer credit cards to start saving money while you work to pay off your credit card debt.

Thanks and enjoy maximizing money.