Top Balance Transfer Card Offers for 2021

Zero Percent Interest Balance Transfer Deals Until 2022

Learn more about how a Balance Transfer Card Can Improve Your Finances

Most consumers carry a heavy burden when it comes to credit card debt, with the average amount owed exceeding $6,300 heading into 2021. That’s a lot of interest to be paid and if you’re stuck with a high rate, the cycle of debt seems endless. That’s why finding a way to transfer to a card that allows you to breathe a little more can be so important.

Review the Top Balance Transfer Zero APR (0%) and No Free Transfer Card Offers On Chase, Barclaycard, Wells Fargo, Citigroup, Capital One and American Express Cards in 2021 To Get The Best Deals

best balance transfer cards for 2021

Why Choose a Balance Transfer Card?

When you transfer your balance from one card to another, the owed money then becomes subject to new and better terms. For example, paying 12 percent interest on a few thousand dollars of debt is much more appealing than paying 19 percent. In order to transfer your credit card debt to a card with more favorable figures, you must qualify for the new one. This process can obviously save you a lot of money, particularly if you do it right, and do it at opportune times. You don’t even have to be dissatisfied entirely with your current terms either. Should something better come along or be found, there’s no reason not to transfer your balance and start saving on your payments immediately. Certainly, if you feel trapped by your current card and are paying exorbitant fees or interest, it’s definitely time to seek an alternative.

Which One Is Right For You?

Finding the top balance transfer credit card offers can be tricky, and will require a bit of homework on your part. If you’ve received an intriguing offer in your mailbox, look into it further. If you are searching from scratch, go through online review sites and compare terms, conditions and customer feedback. You want to make sure you qualify for an offer, the transfer fee is negligible to zero, the length of your new introductory rate is significant and that the rate there after is easy to live with. There will be plenty of fine print and red tape to sort through, so finding a reliable method of calculating savings should be sought, as well as a trusted source of information.

How Do You Organize Future Finances?

After you have successfully transferred your debt from one credit card to another, it’s important to take advantage of the new terms. The money you will be saving in lower interest should be put to work for you, either in terms of paying down debt or increasing your savings potential. Work the figures, maximize the benefits and increase your overall financial strength exponentially. So long as you keep your credit profile in good shape, you will be in a good position to repeat this process the next time an offer that’s too good to refuse comes along.

Debt is a serious concern for most people and if you can find a way to lower yours, go for it. There’s no sense in not taking advantage of a top balance transfer credit card offer when you see one.

Top Rated Balance Transfer Cards For 2021

chaseslateChase Slate
This card has set the pace for balance transfer promotional cards over the past two years. The main attraction to this card is the opportunity to lock in a zero fee and zero percent interest rate for up to fifteen months if you apply for a balance transfer during the first sixty days. Locking in at 0% for fifteen months, with no fee is a huge opportunity to save some money. This card offers borrowers zero percent interest for all of 2021!


citibank diamond Citi Diamond Preferred Card Citigroup has two card promotions that are offering applicants a zero percent interest rate well into 2022. The opportunity to lock in a zero percent rate for 18 months is a great way to pay off previous card balances and increase cash flow. This card has no annual fee and offers free enrollment into the Citi Easy Deals concierge program.

BlueCashEveryday American Express Blue Cash
This card offers an impressive zero percent interest rate for fifteen months. That gives you the peace of mind of paying no interest for all of 2021! In addition this card offers some great tiered cash back perks and all of this comes with no annual fee! American Express is offering some limited time sign up bonus offers, learn more about this card and lock in a balance transfer today!

bankofamerica Cash Rewards
Consumers love credit cards for a variety of reasons. They are loaded with perks and cash back offers. Most cards come with a signup bonus offer. is also offering additional cash back and perks to Preferred Rewards clients and checking/savings account members. This balance transfer promotion card offers zero percent interest for up to 12 months!.

Additional cards offering 0% APR worth considering

Capital One Platinum Prestige
Citi Simplicity Card
Better Balance Rewards Card
Capital One Quicksilver Cash Rewards Card
The Carnival Mastercard
American Express Blue Sky
US Bank Visa Platinum Card
Chase Freedom
Citi Thank You Preferred Card
Citi Dividend Platinum Select Card