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 Rewards+® Card
Intro balance transfer APR
0% for 15 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 15 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 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
- Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
Citi Double Cash® Card
Intro balance transfer APR
0% for 18 MonthsRegular balance transfer APR
18.74% - 28.74%* 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 18 Months
18.74% - 28.74%* 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 $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 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. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
Bank of America® Customized Cash Rewards credit card
Intro balance transfer APR
See Terms*Regular balance transfer APR
18.74% - 28.74% Variable APR on balance transfersBalance transfer fee
3% for 60 days from account opening, then 4%Annual fee
$0
See Terms*
18.74% - 28.74% Variable APR on balance transfers
3% for 60 days from account opening, then 4%
$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.
Citi® Diamond Preferred® Card
Intro balance transfer APR
0% for 21 monthsRegular balance transfer APR
17.74% - 28.49%* VariableBalance transfer fee
5%, Min: $5Annual fee
$0
0% for 21 months
17.74% - 28.49%* 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 17.74% - 28.49%, 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
Bank of America® Travel Rewards credit card
Intro balance transfer APR
See Terms*Regular balance transfer APR
18.74% - 28.74% Variable APR on balance transfersBalance transfer fee
3% for 60 days from account opening, then 4%Annual fee
$0
See Terms*
18.74% - 28.74% Variable APR on balance transfers
3% for 60 days from account opening, then 4%
$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 as long as your account remains open.
- 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.
Bank of America® Customized Cash Rewards credit card for Students
Intro balance transfer APR
See Terms*Regular balance transfer APR
18.74% - 28.74% Variable APR on balance transfersBalance transfer fee
3% for 60 days from account opening, then 4%Annual fee
$0
See Terms*
18.74% - 28.74% Variable APR on balance transfers
3% for 60 days from account opening, then 4%
$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.
Discover it® Chrome
Intro balance transfer APR
0% Intro APR for 18 MonthsRegular balance transfer APR
17.74% - 27.74%* VariableBalance transfer fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*Annual fee
$0
0% Intro APR for 18 Months
17.74% - 27.74%* Variable
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
$0
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
Bank of America® Unlimited Cash Rewards credit card for Students
Intro balance transfer APR
See Terms*Regular balance transfer APR
18.74% - 28.74% Variable APR on balance transfersBalance transfer fee
3% for 60 days from account opening, then 4%Annual fee
$0
See Terms*
18.74% - 28.74% Variable APR on balance transfers
3% for 60 days from account opening, then 4%
$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.
Citi Custom Cash® Card
Intro balance transfer APR
0% for 15 MonthsRegular balance transfer APR
18.74% - 28.74%* VariableBalance transfer fee
5%, Min: $5Annual fee
$0
0% for 15 Months
18.74% - 28.74%* Variable
5%, Min: $5
$0
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
Bank of America® Unlimited Cash Rewards credit card
Intro balance transfer APR
See Terms*Regular balance transfer APR
18.74% - 28.74% Variable APR on balance transfersBalance transfer fee
3% for 60 days from account opening, then 4%Annual fee
$0
See Terms*
18.74% - 28.74% Variable APR on balance transfers
3% for 60 days from account opening, then 4%
$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.