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
18.99% - 29.74%* 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 21 Months
18.99% - 29.74%* 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
- 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 18.99% - 29.74%, 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
18.49% - 28.49%* 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
18.49% - 28.49%* 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 25,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com. Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ Portal through June 30, 2024.
- 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 18.49% - 28.49%, 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).
BankAmericard® credit card
Regular balance transfer APR
15.99% - 25.99%* VariableBalance transfer fee
3% of the amount of each transactionAnnual fee
$0
15.99% - 25.99%* Variable
3% of the amount of each transaction
$0
- 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.99% - 25.99% Variable APR will apply. A 3% fee applies to all balance transfers.
- No annual fee.
Bank of America® Customized Cash Rewards credit card
Regular balance transfer APR
17.99% - 27.99%* VariableBalance transfer fee
3% of the amount of each transactionAnnual fee
$0
17.99% - 27.99%* Variable
3% of the amount of each transaction
$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
17.99% - 28.74%* VariableBalance transfer fee
5%, Min: $5Annual fee
$0
0% for 21 Months
17.99% - 28.74%* 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 17.99% - 28.74%, 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
18.99% - 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 18 Months
18.99% - 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
- 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.
Discover it® Balance Transfer
Intro balance transfer APR
0% for 18 MonthsRegular balance transfer APR
16.99% - 27.99%* 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
16.99% - 27.99%* 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.
BankAmericard® credit card for Students
Regular balance transfer APR
15.99% - 25.99%* VariableBalance transfer fee
3% of the amount of each transactionAnnual fee
$0
15.99% - 25.99%* Variable
3% of the amount of each transaction
$0
- 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.99% - 25.99% Variable APR will apply. A 3% fee applies to all balance transfers.
- No annual fee.
Wells Fargo Active Cash® Card
Intro balance transfer APR
0% for 15 Months*Regular balance transfer APR
19.99%, 24.99%, or 29.99%* variableBalance transfer fee
3% for 120 days from account opening, then up to 5%; min: $5Annual fee
$0
0% for 15 Months*
19.99%, 24.99%, or 29.99%* 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 $500 in purchases in the first 3 months
Bank of America® Unlimited Cash Rewards credit card
Regular balance transfer APR
17.99% - 27.99%* VariableBalance transfer fee
3% of the amount of each transactionAnnual fee
$0
17.99% - 27.99%* Variable
3% of the amount of each transaction
$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.