Sometimes, people get frustrated when they receive numerous emails about various credit card offers. Most credit cards charge a considerable fee every time they make a transfer, which could seriously impact their budget. To solve this issue, one can opt for a 0% APR (Annual Percentage Rate) card that provides a strong credit line and no transfer fees. But one must review the terms and conditions to ensure these cards align with one’s financial needs and goals.

Amex Everyday® Credit Card
This credit card offered by American Express is one of the top 0% APR balance transfer credit cards with the longest 0% intro period and standout perks. The card has an introductory zero percent rate for 15 months on balance transfers and purchases. Additionally, the card also offers rewards for your purchases.

Edward Jones World MasterCard®
An investment advisory company, Edward Jones offers a 0% intro APR for one year and no fees on balance transfers. However, the deals are applicable only until the end of 2018. Hence, if you wish to avail of their card, you will have to make a quick decision.

CHOICE REWARDS® World Elite® MasterCard® Credit Card
This is one of the 0% APR balance transfer credit cards offered by First Tech Federal Credit Union. You may apply for the card without joining the union initially. It offers a 0% percent APR for one year and no transfer fee on balance within the first 90 days of account opening.

La Capitol Prime Plus Visa and Rewards Visa credit cards
This is another credit union where anyone may join and apply for a credit card. It accepts members from across the country and has a 0% introductory rate for one year and zero fees on balance transfers for the first 90 days of account opening.

Premier Privileges Rewards Mastercard®
This credit card is especially good for students. It offers a 0% initial rate for six months on balance transfers, although the variable APR touches 11.5% post the introductory period.

Most credit card companies charge an APR at the end of the introductory period and this is what sets one card apart from the other. When you choose a 0 APR balance transfer card, remember to compare the APR of different cards at the end of the introductory period. Choose the one which offers you the lowest APR and charges minimal fees for the purpose of balance transfer as well. Consider the rewards and cashback offered on the card as well to make a prudent decision.