Top three balance transfer credit cards right now

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The holiday season is notorious for helping folks put a few more pounds on their waistline as well as adding a few pounds to your credit card debt.

But it's not too late to make a new year's resolution for your credit health, and a top balance transfer credit card can help you do that. Transfer your existing credit card balance to one of these cards featuring a 0 percent introductory period for balance transfers and save yourself interest while you work to pay off that balance. 

Here are some top no-annual-fee balance transfer credit card choices to consider:

BankAmericard® credit card

Why we like it: Having a full year-and-a-half (18 billing cycles, officially) to pay off your balance transfer interest-free is certainly a perk that could save you substantial money. In addition, your new purchases are interest-free for the first 18 billing cycles as well.

0 percent offer details: Take advantage of 18 billing cycles of 0 interest on your purchases and on balance transfers made within the first 60 days (after the intro period, the APR goes to 15.24% - 25.24% Variable APR on balance transfers and 15.24% - 25.24% Variable APR on purchases).

Balance transfer fee: Either $10 or 3% of the amount of each transaction, whichever is greater.

Annual fee: $0

Capital One® Quicksilver® Cash Rewards Credit Card

Why we like it: Sure, we're talking about a balance transfer card here, but the opportunity to earn rewards really sets this card apart.

0 percent offer details: Enjoy an intro offer of 0 percent APR on purchases and balance transfers for the first 15 months (then, 16.24% - 26.24% (Variable))

Balance transfer fee: 3%

Bonus: Earn a one-time $150 cash bonus after you spend $500 in purchases on the card in the first three months.

Rewards: Earn a flat and unlimited 1.5 percent cash back on all your purchases.

Annual fee: $0

Wells Fargo Platinum Visa card

(This card is not currently available on CardRatings)

Why we like it: This card has a solid introductory balance transfer 0 percent APR period, but also offers you cellular phone protection against covered damage and theft as long as you pay your bill on your card (deductible and terms apply).

0 percent offer details: Take advantage of 18 months no interest on purchases and balance transfers (then, 13.74%-27.24% Variable).

Balance transfer fee: 3% for 120 days, then 5%

Annual fee: $0


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