If you have a big credit card balance sitting at 18%, 20%, or even more, you might want to take advantage of credit cards that allow you to transfer your balance over to the new card and then give you over a year to pay it off at a 0% interest rate. Some or all of these cards charge you a one-time fee to transfer the balance. None of these cards charges an annual fee.

  • US Bank Visa Platinum – 0% introductory APR* (view terms and conditions) on purchases and balance transfers for 20 billing cycles. After that the APR is variable, currently 14.49%-24.49%(view terms and conditions).

  • Bank of America Customized Cash Rewards – 0% Intro APR for your first 15 billing cycles for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that’s currently 13.99% to 23.99% will apply.
  • Capital One Quicksilver Rewards Card – 0% introductory APR for the first 15 months that your account is open. After that, your APR will be 14.99%, 20.99% or 24.99%, based on your creditworthiness.
  • Capital One SavorOne Rewards Card – 0% intro APR for 18 months on balance transfers; 14.99% – 24.99% variable APR after that.