Our Favorite Zero Interest Balance Transfer Credit Cards

Zero Interest Balance Transfer Credit Cards

Lasso your debt with these zero interest balance transfer credit cards!


Debt Free Guys has partnered with CardRatings for our coverage of credit card products. Debt Free Guys and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed or approved by any of these entities

Our favorite 0% cards as of February 2021.

Below are several credit cards that we believe offer the best options for 0% on balance transfers. 

There are a variety of benefits and offers change regularly, so please click through for a complete list of benefits. 


U.S. Bank Visa® Platinum Card

Why this card?

U.S. Bank Visa® Platinum Card is a great card to use for the Debt Lasso method for several reasons.

First, the card has one of the longest 0% APR introductory offers available right now at a whopping 20 months! The longer the time you have at 0%, the more you will be paying towards your actual balance and less towards interest.

Second, the card has the fairly standard 3% balance transfer fee, which is less than some other reward cards.

Third, this card does not have an annual fee, again a plus allowing you to pay more towards the amount owed.

Fourth, and an awesome one, you get to choose your payment date, which is awesome if you’re trying use the Credit Card Pay Off Plan’s strategy to balance your payments out throughout the month.

  • Balance Transfer Offer: 0% APR for the the first 20 months
  • Balance transfer fee: $5 or 3% which ever is larger
  • No annual fee
  • You choose your payment date



Navy Federal Credit Union Platinum Card

Why this card?

The Navy Federal Credit Union Platinum Card is a winner winner chicken dinner for the Debt Lasso method for several reasons.

First, this card has zero transfer fee for balance transfers! That is unheard of and a killer deal for your first or second balance transfer card.

Second, the card has the fairly standard zero interest for 12 month balance transfer offer.

Third, this card does not have an annual fee, again a plus allowing you to pay more towards the amount owed.

Fourth, the ongoing interest rate for purchases this card is lower than most, so it could be a wise card after you’ve paid off your debt.

  • Balance Transfer Offer: 0% APR for the the first 12 months
  • Zero balance transfer fee
  • No annual fee



Citi® Double Cash Card – 18 month BT offer

Why this card?

The Citi® Double Cash Card is a great card to use for the Debt Lasso method for several reasons.

First, the card has one of the longest 0% APR introductory offers available right now. The longer the time you have at 0%, the more you will be paying towards your actual balance and less towards interest.

Second, the card has the fairly standard 3% balance transfer fee, which is less than some other reward cards.

Third, this card does not have an annual fee, again a plus allowing you to pay more towards the amount owed.

Finally, since it is a cash back reward card, once you have paid off the balance, it can be a good card to keep if you plan on using a cash back card to help reduce your expenses. (Please keep in mind that this card does charge interest on purchases if you do not pay off the full balance, including balances transfer to the card, at the end of each month.)

  • Balance Transfer Offer: 0% APR for the the first 18 months
  • Unlimited 2% cash back
    • 1% on all purchase
    • 1% on all payments
  • Balance transfer fee: $5 or 3% which ever is larger
  • No annual fee



Wells Fargo Cash Wise Visa® Card

Why this card?

The Wells Fargo Cash Wise Visa® Card is a great card to use for the Debt Lasso method for several reasons.

First, the card offers an above average 15 months at 0% APR introductory offer available right now. The longer the time you have at 0%, the more you will be paying towards your actual balance and less towards interest.

Second, the card has the fairly standard 3% balance transfer fee, on balance transfers in the first 120 days, which is less than some other reward cards.

Third, this card does not have an annual fee, again a plus allowing you to pay more towards the amount owed.

Finally, since it is a cash back reward card, once you have paid off the balance, it can be a good card to keep if you plan on using a cash back card to help reduce your expenses. (Please keep in mind that this card does charge interest on purchases if you do not pay off the full balance, including balances transfer to the card, at the end of each month.)

  • Balance Transfer Offer: 0% APR for the the first 15 months (on transfers in the first 120 days)
  • Unlimited 1.5% cash back
  • Balance transfer fee: $5 or 3% which ever is larger
  • No annual fee



Citi® Diamond Preferred® Card

Why this card?

Citi® Diamond Preferred® Card is another nice card to use for the Debt Lasso method.

Similar to the other Citi card above, it also has one of the longest 0% APR introductory offers available right now. This extra time (3-6 months longer than many) allows you to pay towards your balance and less to interest.

The 3% balance transfer fee, which is pretty standard, but less than some with this length of introductory offer, keeps your Debt Lasso Method costs lower.

Yeah to no annual fee. We try to find these cards as often as we can when applying since they won’t have to be immediately closed after 12 months.

Finally, since it is a cash back reward card, once you have paid off the balance, it can be a good card to keep if you plan on using a cash back card to help reduce your expenses. (Please keep in mind that this card does charge interest on purchases if you do not pay off the full balance, including balances transfer to the card, at the end of each month.)

  • Balance Transfer Offer: 0% APR for the the first 18 months after the balance transfer is completed
    • Transfers must take place in the first 4 months of card opening
  • Balance transfer fee: $5 or 3% which ever is larger
  • No annual fee



Citi® Rewards+® Card

Why this card?

Citi® Diamond Preferred® Card is another nice card to use for the Debt Lasso method.

Similar to the other Citi card above, it also has a longer 0% APR introductory offers available right now at 15 months. This extra time (3 months longer than many) allows you to pay towards your balance and less to interest.

The 3% balance transfer fee, which is pretty standard, but less than some with this length of introductory offer, keeps your Debt Lasso Method costs lower.

Again no annual fee. We try to find these cards as often as we can when applying since they won’t have to be immediately closed after 12 months.

Finally, since it is a reward card, once you have paid off the balance, it can be a good card to keep if you plan on racking up those reward points. (Please keep in mind that this card does charge interest on purchases if you do not pay off the full balance, including balances transfer to the card, at the end of each month.)

  • Balance Transfer Offer: 0% APR for the the first 15 months after the balance transfer is completed
  • Balance transfer fee: $5 or 3% which ever is larger
  • No annual fee



Wells Fargo Platinum Card

Why this card?

The Wells Fargo Platinum Card is another great card for the Debt Lasso method.

This card has a well above average 0% APR introductory offers at 18 months.

The 3% balance transfer fee (for transfers in the first 120 days), which is pretty standard, but less than some with this length of an introductory offer, keeps your Debt Lasso Method costs lower.

Again, no annual fee, so the card doesn’t need to be closed after 18 months to avoid the fee.

One last reason we like this card is the 18 months of zero interest. This seems to be the upper end for most card offers, which means less transfers and more time to pay it off without incurring fees.

  • Balance Transfer Offer: 0% APR for the the first 12 months after the balance transfer is completed
  • Balance transfer fee: 3% (for transfers in the first 120 days)
  • No annual fee



PenFed Gold Visa® Card

Why this card?

PenFed Gold Visa® Card is another nice card to use for the Debt Lasso method.

This card has an above average 0% APR introductory offers at 12 months which is fairly standard.

The $5 or 3% balance transfer fee (whichever is larger), which is pretty standard, but less than some with this length of an introductory offer, keeps your Debt Lasso Method costs lower.

Again, no annual fee, so the card doesn’t need to be closed after 12 months to avoid the fee.

One last reason we like this card is due to the lower than average APR once the initial balance transfer offer period expires. This means at if you’re close to having your debt completely paid, and don’t want to go through the lasso process again, you’re going to have a lower rate than many other cards.

  • Balance Transfer Offer: 0% APR for the the first 12 months after the balance transfer is completed
  • Balance transfer fee: $5 or 3% which ever is larger
  • No annual fee




Debt Free Guys has partnered with CardRatings for our coverage of credit card products. Debt Free Guys and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed or approved by any of these entities