Need a Long Pause On Interest with Massive Rewards?
Zero Regrets. Zero Interest for 21 Months.
Zero Regrets. Zero Interest for up to 21 Months.
We’ve Got You: These Top Cards Offer 0% Intro APR Until 2027 and Massive Bonus Value
on Chase's secure site
Bottom Line:
Enjoy 0% Intro APR for 15 months
From account opening on balance transfers and purchases, followed by 18.24% - 27.74% Variable APR. Pay no interest until 2027!
Up to 5% Cash Back
The Chase Freedom Unlimited® credit card earns 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstore purchases, and unlimited 1.5% on everything else.
Score A Welcome Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
No Annual Fee
Spend less with zero annual or upfront fees.
Score relief with the Chase Freedom Unlimited® credit card. With 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then an APR of 18.24% - 27.74% Variable, and a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening, you can keep more money in your pocket and less stress on your shoulders.
Why We Rate This a Top Balance Transfer Card
Balance transfer credit cards are basically measured by a single standard – value. It's all about how much time they give you to pay down debt without interest and all of the rewards you can earn on everyday spending. By that standard, the Chase Freedom Unlimited® card's 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months is one of the best of any card available on the market today, earning up to 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstore purchases, unlimited 1.5% on everything else PLUS a massive $200 Bonus after you spend $500 on purchases in your first 3 months from account opening – all with no annual fee. We don't know how much longer they'll be offering it. The intro APR is followed by 18.24% - 27.74% Variable APR. Pay no interest until 2027!
We recommend this card for people who…
… Want to delay initial interest payments on new purchases
… Have an existing balance they want to transfer
… Need a time window to pay off their balance before they start paying interest
... Want to earn cash back on everyday purchases with up to 5% in select categories
... Want to earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
If you were to apply online for the card today, you’d have until 2027 before you start getting hit with interest charges + a $200 bonus on top. It's like taking a 15-month vacation from paying interest
More than just a balance transfer card
One of the best 0% Intro APR periods on the market is reason enough to say yes to this card. On top of that, Chase offers a few more perks that make this a must-have among Balance Transfer cards:
- No Annual Fee: The card is designed to help you save money. You'll automatically avoid any annual or upfront fees.
- Score A Welcome Bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Earn Up to 5% Cash Back: The Chase Freedom Unlimited® credit card earns 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstore purchases, and unlimited 1.5% on everything else.
- Purchase Protection: Covers your eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item.
Who Should Get This Card
This card is a great fit for those who want plenty of time to pay down debt or finance a large purchase, without being charged interest, and earn a $200 Bonus reward on top.
This is why I've personally chosen this card and recommend it to all my friends. This combination of features – the 15-month vacation from paying interest, earning up to 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstore purchases, unlimited 1.5% on everything else PLUS a massive $200 Bonus after you spend $500 on purchases in your first 3 months from account opening – all with no annual fee – is too good to pass up. We don't know how much longer they'll be offering it.
Remember, for Balance Transfer cards it's all about value. We suggest not wasting any time waiting to apply for this premier balance transfer card. Then take your time to pay down your balance with no additional interest for 15 months.
The Rest of the Best
If the Chase Freedom Unlimited® card doesn’t feel like the right choice for you, that’s ok. While we feel it’s one of the best balance transfer credit cards on the market right now, perhaps you’re looking for something else. If so, here are our favorite alternatives.
on Citibank's secure site
The Citi Strata℠ Card, from our partner Citibank, turns daily spending into serious rewards with elevated earn rates: earn 5x Points on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; 3x Points at Supermarkets; 3x Points on Select Transit purchases and Gas & EV Charging Stations; 3x Points in an eligible Self-Select Category of your choice; 2x Points at Restaurants; 1x Point on all other purchases.
You can also enjoy breathing room on interest with an intro APR of 0% for 15 months on Purchases and balance transfers, 18.49% - 28.49% (Variable) thereafter.
on Citibank's secure site
Unlimited cash back and a low intro APR on balance transfers? Must be the Citi Double Cash® Card from our partner Citibank. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
This is the only card that lets you earn cash back twice while also offering an Intro APR of 0% for 18 months on Balance Transfers, 18.24% - 28.49% (Variable) APR thereafter. It's an excellent choice to pause interest for nearly two years while earning cash back at one of the highest earning rates available.
