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If you have a large balance to transfer, these cards will help you save some money by reducing your interest rate to zero. While we generally don’t like to maintain a balance for any of our cards, sometimes a large expense could make carrying one of these cards worthwhile.

Chase Slate

• ZERO transfer fees
• $0 introductory balance transfer fee for transfers made during the first 60 days of account opening
• 0% introductory APR for 15 months on purchases and balance transfers
• Monthly FICO® Score and Credit Dashboard for free
• No Penalty APR – Paying late won’t raise your interest rate (APR)
• $0 annual fee

Barclaycard Ring Mastercard

• ZERO transfer fees
• 0% introductory APR for 15 month on balance transfers made within 45 days of account opening
• 0% introductory ARP for 15 months on purchases
• No foreign transaction fees
• Free online access to FICO Credit Score
• $0 annual fee

While we don’t like the fees associates with transferring with the following cards, we do like the length of the introductory 0% APR period – 21 months is a good amount of time to pay off that balance.

Citi Diamond Preferred Card

• 0% introductory APR for 21 months on purchases
• 0% introductory APR for 21 months on balance transfers
• Earn: 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
• $0 annual fee

Citi Simplicity Card

• 0% introductory APR for 21 months on purchases
• 0% introductory APR for 21 months on balance transfers
• No late fees and no penalty rate
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
• $0 annual fee

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