Long-term 0% introductory rate: The U.S. Bank Visa Platinum card stretches the 0% window on both purchases and balance transfers to 20 billing cycles (thereafter, the variable rate was recently 13.99% to 23.99%). The balance-transfer fee is the greater of $5 or 3% of the transfer amount.
No-fee balance transfers: The American Express EveryDay card -- which is also our silver medalist in the "Flexible Travel Redemptions" rewards category -- charges no balance-transfer fee and has a 0% rate for 15 months (then a variable 12.99% to 23.99%) if you request the transfer within 60 days of opening your account.
Low ongoing rate: The Lake Michigan Credit Union Prime Platinum Visa offers a variable rate that was recently as low as 6.25% and charges no balance-transfer fee. To join the credit union, make a $5 donation to the ALS Foundation and open a savings account.
Lisa has been the editor of Kiplinger Personal Finance since June 2023. Previously, she spent more than a decade reporting and writing for the magazine on a variety of topics, including credit, banking and retirement. She has shared her expertise as a guest on the Today Show, CNN, Fox, NPR, Cheddar and many other media outlets around the nation. Lisa graduated from Ball State University and received the school’s “Graduate of the Last Decade” award in 2014. A military spouse, she has moved around the U.S. and currently lives in the Philadelphia area with her husband and two sons.
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