Best Credit Cards

The best 0 % balance transfer card choices

This is an extra post for the week because some of my relatives have asked about cards with a 0 % balance transfer offer. Ideally, this is not something most of my readers would be interested in, but deserves a mention.

I have narrowed it down to cards that provide some perks such as cash back, which would offset the balance transfer fees. This is also a good list for those looking for cards offering  0% on purchases. All the cards on the list pay me commission when you apply through my site.

My top pick is Chase Slate card, which is the best choice for those purely after 0% balance transfer option since it doesn’t charge a fee.   If anyone is aware of a better card out there, please let me know.

Chase Slate card

  • Have holiday balances? Save on holiday balances and new purchases too
  • $0 balance transfer fee – introductory offer!
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • $0 Annual Fee

US Bank FlexPerks Visa

A balance transfer fee of 3% of each transfer amount ($5 minimum) will apply to balances transferred within the first 30 days of account opening. After that, a balance transfer fee of 4% of each transfer amount ($5 minimum) will apply

0 % percent on purchases and balance transfers in the first 12 billing cycles.

  • Get 20,000 Bonus FlexPoints after the first $3,500 in net purchases in the first 150 days
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or redemption fees
  • Earn one FlexPoint for every $1 of eligible net purchases charged to your card
  • Earn two FlexPoints for every $1 spent on gas, grocery or airline purchases – whichever you spend most on each monthly billing cycle – and on most cell phone expenses
  • Earn Triple FlexPoints for your charitable donations
  • $0 Annual Fee* the first year, after that $49*
  • Earn 3,500 bonus FlexPoints each year when you spend $24,000 in Net Purchases. You can redeem these FlexPoints for your annual fee or combine them with other FlexPoints for travel

Chase Freedom  Visa

Balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater.

Get 100 dollars in cash back after 500 dollars in purchases in the first 3 months.

0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99%-22.99%.

  • 5% Cash Back on up to $1,500 spent between January 1 and March 31, 2014 at gas stations, movie theaters and Starbucks® stores
  • You’ll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It’s free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases

Amex Blue Cash Preferred

Balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater.

  • Get 100 Reward Dollars, redeemable for a $100 statement credit, after you make $1,000 in purchases with your new Card in the first three months. You may be able to get an offer of 250 dollars in cash back if you click on “Offers matched for you” in the top left corner.
  • Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period.
  • As an Amazon Prime member, you get unlimited Free Two-Day Shipping on millions of items.
  • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and Restrictions Apply.

 

Bank Americard Cash Rewards card

Balance transfer fee is either $10 or 3% of the amount of each transaction, whichever is greater.

  • Get $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on purchases everywhere, every time
  • 2% at grocery stores and 3% on gas for the first $1500 in combined grocery store and gas purchases each quarter.
  • Get a 10% customer bonus when you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% – 22.99% variable APR
  • No annual fee
  • No changing categories and your rewards do not expire

Barclaycard Rewards Mastercard

Balance transfer fee is either $10 or 4% of the amount of each transfer, whichever is greater. (During the first twelve billing cycles after account opening, either $10 or 3% of each transfer, whichever is greater).

  • 0% Introductory APR for 12 months on purchases and balance transfers
  • 10,000 Bonus Points after spending $1,000 on qualifying transactions in the first 90 days of account opening – enough for up to $100 cash back
  • Earn 2 points per $1 on gas, grocery, and utility purchases
  • Earn 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you’ve made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
  • This offer is for customers with Excellent Credit

Author: Leana

Leana is the owner and founder of Miles For Family. She enjoys beach vacations and visiting her family in Europe. Originally from Belarus, Leana resides in central Florida with her husband and two children.

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