Instant Approval 0% Balance Transfer Credit Cards

Need to transfer a balance at zero percent in a hurry? These instant approval cards could help:

  • bankamericard-smallBankAmericard MasterCard – Offers you a 0% rate on balance transfers for 18 months, but there is a transfer fee of 3% of the amount of the balance. For new purchases with the card, you may be approved at an interest rate of anywhere from 11.74% to 21.74% depending on your credit history. Promises you will get a response to your application “in as little as 60 seconds.”
  • Barclaycard CashForward MasterCard – Get an “instant response” to your application and a balance transfer offer that lets you park a transferred balance at a 0% rate for 15 months. (3% balance transfer fee.) On the rewards front, you’ll get 1.5% cash back on all your card purchases and a 5% bonus on your earnings each time you redeem.
  • nfl-visa-smallNFL Extra Points Credit Card – Offers a 0% rate for 15 months on balances transferred within the first 45 days. There is a balance transfer fee of 3% of the amount transferred. Promises an “instant response” to your application. This card offers various National Football League rewards from your favorite team.
  • U.S. Bank Visa Platinum – U.S. Bank says “Many of our checking accounts and credit cards offer instant approval.” Assuming this card does, it offers a 0% balance transfer rate for 15 billing cycles.
  • choice-priv-cardChoice Privileges Visa – This loyalty credit card of the Choice Hotels chain (Comfort Inn, EconoLodge, etc.) offers a 0% interest rate on balance transfers for 15 months and an “instant response” to your application. There is a fee of 3% of the amount transferred.
  • bofa-cash-smallBank of America Cash Rewards Visa – Rewards credit card offers approval “in as little as 60 seconds” and a 0% balance transfer rate for 12 billing cycles. Note, however, that there is a one-time transfer fee of 3% of the amount transferred. Earn 1% cash back on most purchases, but up to 3% cash back on others.
  • bluecasheveryday110Blue Cash Everyday from American Express – Offers a 0% balance transfer rate for the first 12 months you have the card, but note the 3% balance transfer fee. Offers 3% cash back on supermarket purchases, 2% on gas and department store purchases, and 1% on everything else. “Get a decision in as little as 60 seconds.”
  • Amex EveryDay Credit Card – Offers a 0% balance transfer rate for the first 12 months you have the card, but 3% balance transfer fee applies. Rewards include 2 points per dollar at supermarkets and 1 point per dollar everywhere else, plus a 20% boost in points in any month that you use the card at least 20 times. Like all Amex cards, this one says you’ll “Get a decision in as little as 60 seconds” on approval.
  • chase-freedom-unlimitedChase Freedom Unlimited – While this card has a nice 0% rate on balance transfers for 15 months, the 5% balance transfer fee you’ll pay is much higher than the 3% fee most other cards charge. Not advertised as instant approval, but we know of good credit customers approved immediately.
  • Capital One Quicksilver Rewards – Offers a 0% rate on balance transfers for 9 months. You’ll also get a nice reward of 1.5% cash back on all your card purchases. Capital One says it will attempt to give you an instant decision on your application in 60 seconds.

Other instant approval categories: Credit Cards You Can Use Today, Store Credit Cards, Business Credit Cards