2023’s Top Balance Transfer Cards With 0% APRs

If you are struggling with high-interest credit card debt, a balance transfer credit card may be a helpful tool in getting back on track. These cards allow you to transfer your existing credit card debt to a new card with a lower interest rate or a 0% introductory rate, which can save you a significant amount of money on interest charges. Here are some of the top balance transfer cards with 0% APRs for 2023:

Citi Simplicity

The Citi Simplicity card offers a 0% introductory APR on balance transfers for 18 months, which is one of the longest introductory periods available. There is no annual fee, no late fees, and no penalty APR, which makes it a great option for those who may occasionally miss a payment. After the introductory period, the APR ranges from 14.74% to 24.74%, depending on your creditworthiness.

Discover it

The Discover it card offers a 0% introductory APR on balance transfers for 14 months, which is a shorter introductory period than some other cards, but it also offers a rewards program that allows you to earn cashback on your purchases. Discover will also match all the cashback you earn during your first year, which can be a significant amount of money. After the introductory period, the APR ranges from 11.99% to 22.99%, depending on your creditworthiness.

Chase Freedom Unlimited

The Chase Freedom Unlimited card offers a 0% introductory APR on balance transfers for 15 months, which is a middle-of-the-road introductory period. However, it also offers a rewards program that allows you to earn cashback on your purchases, which can be a nice bonus. After the introductory period, the APR ranges from 14.99% to 23.74%, depending on your creditworthiness.

BankAmericard Credit Card

The BankAmericard Credit Card offers a 0% introductory APR on balance transfers for 18 billing cycles, which is one of the longest introductory periods available. There is no balance transfer fee if you transfer your balance within the first 60 days of account opening. There is no annual fee, and you can receive overdraft protection for your Bank of America checking account. After the introductory period, the APR ranges from 14.49% to 24.49%, depending on your creditworthiness.

Wells Fargo Platinum Visa Card

The Wells Fargo Platinum Visa Card offers a 0% introductory APR on balance transfers for 18 months, which is one of the longest introductory periods available. There is no annual fee, and the card also offers cell phone protection when you pay your monthly bill with the card. After the introductory period, the APR ranges from 16.49% to 24.49%, depending on your creditworthiness.

When choosing a balance transfer card with a 0% APR, it is important to consider the length of the introductory period and any fees associated with the transfer. Look for cards with longer introductory periods, as this will give you more time to pay off your balances without accruing interest charges. Additionally, consider any balance transfer fees, as these can add up quickly, especially if you have a large balance to transfer.

It is also important to consider the ongoing APR after the introductory period ends. Look for cards with a low ongoing APR, especially if you plan to carry a balance after the introductory period. Keep in mind that your creditworthiness will play a role in the APR you receive, so make sure to check your credit score before applying for a new credit card.

In addition to the introductory APR, consider any rewards programs or other benefits that the card may offer. Some balance transfer cards offer cashback or points on your purchases, which can do even more favors for your pocket.