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Need a Long Pause On Interest with Massive Rewards?

We’ve Got You: These Top Cards Offer 0% Intro APR Until 2027 and Massive Bonus Value

Updated on July 27, 2026
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Score relief with the credit card. With and , then an APR of , and a , 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 card's and is one of the best of any card available on the market today, earning up to , , unlimited PLUS a massive – all with no annual fee. We don't know how much longer they'll be offering it. The intro APR is followed by APR. Pay no interest until !

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 in select categories

... Want to earn a

If you were to apply online for the card today, you’d have until before you start getting hit with interest charges + a 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 Up to 5% Cash Back: The credit card earns , , and unlimited .
  • 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 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 , , unlimited PLUS a massive – 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 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.