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MasterCard Credit Cards with 0% Balance Transfer

MasterCard® is one of the largest issuers of credit cards. There are a variety of credit cards that carry the logo that will allow you to transfer a balance. Some cards come with fees, but offer high rewards and bonuses. Others have no fees, but may not offer the maximum return in the way of airline miles or cash back.

One thing to consider when you are looking for a credit card with 0% APR to transfer your current balance to is that the promotional period, when you have no interest payment obligations, can apply to new both transferred balances and purchases, so you should think about whether you will be using this card to make new charges.

You should choose the card that is a good fit for you by evaluating what your reward goals and spending patterns are. Do you want to earn miles, hotel points, cash back or gift cards? If you plan to use the card for new purchases, think about what your categories of spending are and look for a card that matches your spending personality and offer bonus points for those categories like groceries and gas.

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Required Credit History: Excellent/Good
Best Credit Cards from
Intro APR
on Bal. Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
0% (up to 21 months)
up to 3%
0% (up to 18 months)
Save up to:  $848  with this card
Show card description
  • Transfer and pay off your debt at 0% Intro APR on Balance Transfers for up to 21 months; ongoing variable APR applies after that.
  • Earn up to 5% cash back or up to 2 point rewards on all purchases.
  • $0 liability on unauthorized purchases. No annual fee.
See More Card Details


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Being a Balance Transfer Master

One of the biggest benefits of transferring a balance to a 0% introductory APR credit card is the money you will save on interest payments. All of your monthly payment goes toward paying down your debt so it will see real results in lowering the debt.

MasterCard offers a wide array of credit cards with 0% balance transfer options that you can apply for. Many of these cards have no annual fee and can save you money with their long promotional 0% APR periods. New offers come out regularly, and the most flexible features are the amount of time you will not be charged interest. Offers can have a year and a half or even two years to avoid interest payments. There is usually a 3% or 4% balance transfer fee, but that is usually well worth it when you look at how much interest you are paying on your current credit card accounts.

Once the card is issued it is important to always make payments on time because you can lose your 0% APR introductory rate if you don't meet your obligations. Set up automatic payments to assure you don't miss making at least the minimum due.