Balance transfer credit cards
Balance transfer credit cards can be great for paying off your credit card debt, but they come with lots of potential risks. Try to look at options with long 0% APR intro periods that will give you the best chance to pay off your full balance — and make sure to take a close look at the terms and conditions of your offer before applying.
To find the best balance transfer credit cards, we focused on selecting cards with long 0% intro offers and other rare features that might simplify the process of repaying your debt. Our picks address a number of different needs for balance transfers, from the length of your repayment period to the nuances of the balance transfer process itself. Read more about our methodology for picking the best credit cards.
Citi Simplicity® Card
Intro balance transfer APR
0%for 21 MonthsRegular balance transfer APR
18.24% - 28.99%*VariableBalance transfer fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).Annual fee
$0
0% for 21 Months
18.24% - 28.99%* Variable
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
$0
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
Citi Rewards+® Card
Intro balance transfer APR
0%for 15 MonthsRegular balance transfer APR
17.74% - 27.74%*VariableBalance transfer fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).Annual fee
$0
0% for 15 Months
17.74% - 27.74%* Variable
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
$0
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Citi® Diamond Preferred® Card
Intro balance transfer APR
0%for 21 MonthsRegular balance transfer APR
17.24% - 27.99%*VariableBalance transfer fee
5%, Min: $5Annual fee
$0
0% for 21 Months
17.24% - 27.99%* Variable
5%, Min: $5
$0
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.24% - 27.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
Citi® Double Cash Card
Intro balance transfer APR
0%for 18 MonthsRegular balance transfer APR
18.24% - 28.24%*VariableBalance transfer fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).Annual fee
$0
0% for 18 Months
18.24% - 28.24%* Variable
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
$0
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
Bank of America® Customized Cash Rewards credit card
Regular balance transfer APR
18.24% - 28.24%*VariableBalance transfer fee
3%, Min: $10Annual fee
$0
18.24% - 28.24%* Variable
3%, Min: $10
$0
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Wells Fargo Reflect® Card
Intro balance transfer APR
0%for 18 Months*Regular balance transfer APR
17.24% - 29.24%*VariableBalance transfer fee
3% for 120 days from account opening, then up to 5%; min: $5Annual fee
$0
0% for 18 Months*
17.24% - 29.24%* Variable
3% for 120 days from account opening, then up to 5%; min: $5
$0
- Approval odds are statements made by Credit Karma and may not reflect Wells Fargo's underwriting criteria
- 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 17.24% to 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
Discover it® Balance Transfer
Intro balance transfer APR
0%for 18 MonthsRegular balance transfer APR
16.24% - 27.24%*VariableBalance transfer fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*Annual fee
$0
0% for 18 Months
16.24% - 27.24%* Variable
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
$0
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Bank of America® Travel Rewards credit card for Students
Regular balance transfer APR
18.24% - 28.24%*VariableBalance transfer fee
Either $10 or 3% of the amount of each transaction, whichever is greater.Annual fee
$0
18.24% - 28.24%* Variable
Either $10 or 3% of the amount of each transaction, whichever is greater.
$0
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Wells Fargo Active Cash® Card
Intro balance transfer APR
0%for 15 Months*Regular balance transfer APR
19.24%, 24.24%, and 29.24%*VariableBalance transfer fee
3% for 120 days from account opening, then up to 5%; min: $5Annual fee
$0
0% for 15 Months*
19.24%, 24.24%, and 29.24%* Variable
3% for 120 days from account opening, then up to 5%; min: $5
$0
- Approval odds are statements made by Credit Karma and may not reflect Wells Fargo’s underwriting criteria
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Bank of America® Unlimited Cash Rewards credit card
Regular balance transfer APR
18.24% - 28.24%*VariableBalance transfer fee
3%, Min: $10Annual fee
$0
18.24% - 28.24%* Variable
3%, Min: $10
$0
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.