The Best Balance Transfer Credit Card Offers of 2021

Find deals on 0% interest credit cards for transferring high-interest balances. We review the best companies offering great promotions in 2021, our initial focus will be on card promotions that fit the average consumer with good to great credit scores, who may benefit by securing a zero percent interest rate or credit card promotion in 2020!

balance transfer cards for 2021

New Balance Transfer Credit Cards, Which One is for Borrowers With Only Average Credit Scores

Many credit card companies are now approving balance transfer credit cards for people with average credit scores that range from 679 – 600. You may not qualify for the best deals but you will still get approved for the zero interest balance transfer credit cards which can help you to save thousands of dollars in interests. The following are 6 zero interest credit cards for people with average credit scores.

1. Chase Slate
Chase Slate is offering a 0% introductory period for 15 months for balance transfers as well as purchases. They waive the balance transfer fee for the first 60 days. They do not incur any penalty APR if you are late in making the repayment. Chase Slate also does not charge any annual fee. The average credit score they accept for getting approved is 625 – 727.

Top Promotional Credit Cards in 2021 Lock in a 0% Deal For 12 to 18 months

2. Blue Cash Everyday Card
Blue Cash Everyday Card from American Express offers 0% APR for balance transfers and purchases for 1-year introductory period. You can enjoy up to $6,000 of cash back from selected supermarkets, gas stations and department stores in the USA. There is no annual fee. The average approved score is 662 – 789.

3. Amex Everyday Card

Amex Everyday Card from American Express is not charging any interest on balance transfers and purchases for an introductory period of up to 15 months. You can collect up to 10,000 reward points when you spend $1,000 or above in the first 3 months. This card does not charge any balance transfer fee during the introductory period. The annual fee is also waived. The range of the average credit score they accept is 749 – 630.

4. Chase Freedom
Chase Freedom is offering a 0% APR for balance transfers and purchases for an introductory duration of up to 15 months. You can qualify for a 5% cash back when you spend $1,500 in the bonus categories. You will automatically receive 1% cash back other categories of purchases. They charge a balance transfer fee of 5%.

5. Citi Simplicity Card

Citi Simplicity Card is currently offering a promotional offer of 0% interest rate for up to 21 months. The balance transfer credit card does not charge late fee or annual fee. For balance transfer, it charges a fee of $5 or 3%. The average credit score they approve ranges from 776 – 655.


In conclusion, above are some of the balance transfer cards that can help you to save money while paying off your debt. Before applying for any card, make sure you check the terms and how much fees they are charging for the balance transfer. is committed to helping borrowers find great savings opportunities on credit cards for small business, cash back, travel, rewards and promotional savings in 2021. Our team of writers is constantly searching for top rated card offers to help find great cards to share to our audience on a daily basis.

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