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BEST Balance Transfer Credit Cards - Top 10 Cards for 0% Interest on Transferred Balances0% Intro APR for 21 months on balance transfers from date of first transfer; after that, the variable APR will be % - % based on your creditworthiness. Our top 10 balance transfer credit cards � 0% interest on balance transfers for 29 months from the date you open your account (% fee applies). � Earn up to. The 0% introductory rate is typically for balance transfers only, not purchases. If you want to use your card for spending, look for a 0% balance transfer.