Balance transfer credit cards are designed to help people who are facing with high interest rates in paying their credit card debts. By transferring your debt to the balance transfer credit card, the high interest fees will be waived and you only pay back the principal amount you owe to the credit card company. The following are the top 3 zero percent credit cards in 2017.

1. Citi Simplicity

Citi Simplicity is the best zero percent card with the longest 0% APR intro period that lasts for up to 21 months. The variable APR rate that you will be charged after the 21 months intro period has expired is about 13.49% – 23.49%. It charges a 3% or ($5 minimum) balance transfer fee when you transfer a balance to the card. Citi Simplicity features Citi Price Rewind where you get a refund the difference in the amount you pay if the price of the item is reduced within 60 days after your purchase. Citi Simplicity is ideal for people who need at least 21 months to repay back their credit card debt. It is also good for people who regularly make the repayment promptly and is only behind in payment occasionally.

2. Chase Slate

Chase Slate is one of the top zero percent cards for balance transfer because it is offering a 0% intro that lasts for up to 15 months. It is free to transfer the balance in the first 60 days. The regular interest rate after the 15 months intro period ends is in the range of 13.24% – 23.24%. You should take this opportunity to transfer the balance in the first 60 days of the account opening especially if you have a large amount of credit card debt to transfer. If you did not transfer the balance in 60 days, you will get charged with a 5% balance transfer fee on the amount you transfer. Cardholders will not be charged with any penalty APR if they are late in making the payment. Chase Slate features a chip and signature smart chip that does not charge any annual fee. Cardholders will get access to monthly FICO score for free of charge.

3. Discover it Cashback Match

Discover it 18 months balance transfer is a cash back and balance transfer card that features an 18 months zero percent APR intro period for balance transfer. It does have a cash back rewards program in place where you get to earn a 5% cash back rewards in the bonus categories. It offers 5% cash back rewards for merchandise in the categories that rotate every quarter annually. Examples of the quarterly rotating categories are Amazon, dining and petrol station. The Cashback Match program allows you to get double cash back at the end of the year. Discover it 18 months has $0 annual fee and your cash back reward can be redeemed at anytime as long as your card is active.