Balance transfer credit cards
We think you'll love these cards from our partners.
CK Editors’ Tips††: Balance transfer credit cards allow you to move your existing credit card debt to a new card, where you can pay it off with a lower interest rate. If you develop a plan for repayment, these cards can be a great way to manage debt.Read more
What to consider when choosing a balance transfer credit card
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.
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.
How we picked the best balance transfer credit cards
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.
Jump to editors’ picksTo 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.
Great for a long balance transfer offer††
Great for a long balance transfer offer††
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
Intro balance transfer APR
0% for 21 Months
Regular balance transfer APR
18.24% - 28.99%* Variable
Balance 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
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers and for 12 months on purchases; 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.
Great for high flat-rate cash back††
Great for high flat-rate cash back††
Wells Fargo Active Cash® Card
Intro balance transfer APR
0% intro APR for the first 12 months from account opening on qualifying balance transfersRegular balance transfer APR
19.24%, 24.24%, or 29.24% Variable APRBalance transfer fee
3% for 120 days from account opening, then up to 5%, min: $5Annual fee
$0
Intro balance transfer APR
0% intro APR for the first 12 months from account opening on qualifying balance transfers
Regular balance transfer APR
19.24%, 24.24%, or 29.24% Variable APR
Balance transfer fee
3% for 120 days from account opening, then up to 5%, min: $5
Annual fee
$0
- Approval odds are statements made by Credit Karma and may not reflect Wells Fargo’s underwriting criteria
- Select "Continue" to take advantage of this offer and learn more about product features, terms and conditions.
Great for long intro APR periods††
Great for long intro APR periods††
Wells Fargo Reflect® Card
Intro balance transfer APR
0% intro APR for 21 months from account opening on qualifying balance transfersRegular balance transfer APR
17.24%, 23.74%, or 28.99% Variable APRBalance transfer fee
5%, Min: $5Annual fee
$0
Intro balance transfer APR
0% intro APR for 21 months from account opening on qualifying balance transfers
Regular balance transfer APR
17.24%, 23.74%, or 28.99% Variable APR
Balance transfer fee
5%, Min: $5
Annual fee
$0
- Approval odds are statements made by Credit Karma and may not reflect Wells Fargo's underwriting criteria.
- Select "Continue" to take advantage of this offer and learn more about product features, terms and conditions.
Great for a long balance transfer offer††
Great for a long balance transfer offer††
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
Intro balance transfer APR
0% for 21 months
Regular balance transfer APR
17.24% - 27.99%* Variable
Balance transfer fee
5%, Min: $5
Annual fee
$0
- 0% Intro APR for 21 months on balance transfers and for 12 months on purchases; 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
Great for high flat-rate cash back††
Great for high flat-rate cash back††
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
Intro balance transfer APR
0% for 18 Months
Regular balance transfer APR
18.24% - 28.24%* Variable
Balance 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
- 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.
Great for choosing your top category††
Great for choosing your top category††
Bank of America® Customized Cash Rewards credit card
Intro balance transfer APR
See Terms*Regular balance transfer APR
18.24% - 28.24% Variable APR on balance transfersBalance transfer fee
3% for 60 days from account opening, then 4%Annual fee
$0
Intro balance transfer APR
See Terms*
Regular balance transfer APR
18.24% - 28.24% Variable APR on balance transfers
Balance transfer fee
3% for 60 days from account opening, then 4%
Annual fee
$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.
Great for students who fly††
Great for students who fly††
Bank of America® Travel Rewards credit card for Students
Intro balance transfer APR
See Terms*Regular balance transfer APR
18.24% - 28.24% Variable APR on balance transfersBalance transfer fee
3% for 60 days from account opening, then 4%Annual fee
$0
Intro balance transfer APR
See Terms*
Regular balance transfer APR
18.24% - 28.24% Variable APR on balance transfers
Balance transfer fee
3% for 60 days from account opening, then 4%
Annual fee
$0
- 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.
- 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.
Great for choosing your top category††
Great for choosing your top category††
Bank of America® Customized Cash Rewards credit card for Students
Intro balance transfer APR
See Terms*Regular balance transfer APR
18.24% - 28.24% Variable APR on balance transfersBalance transfer fee
3% for 60 days from account opening, then 4%Annual fee
$0
Intro balance transfer APR
See Terms*
Regular balance transfer APR
18.24% - 28.24% Variable APR on balance transfers
Balance transfer fee
3% for 60 days from account opening, then 4%
Annual fee
$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.
Great for gas and restaurants††
Great for gas and restaurants††
Discover it® Chrome
Intro balance transfer APR
0% Intro APR for 18 MonthsRegular balance transfer APR
18.24% - 27.24% Variable APRBalance transfer fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*Annual fee
$0
Intro balance transfer APR
0% Intro APR for 18 Months
Regular balance transfer APR
18.24% - 27.24% Variable APR
Balance transfer fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual fee
$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.
- 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.
$250 WELCOME BONUS
Great for maximizing cash back††
Great for maximizing cash back††
Chase Freedom Unlimited®
Intro balance transfer APR
0% Intro APR on Balance Transfers for 15 monthsRegular balance transfer APR
18.99% - 28.49%* VariableBalance transfer fee
Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. 5%, Min: $5 thereafter.Annual fee
$0
Intro balance transfer APR
0% Intro APR on Balance Transfers for 15 months
Regular balance transfer APR
18.99% - 28.49%* Variable
Balance transfer fee
Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. 5%, Min: $5 thereafter.
Annual fee
$0
- Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
More cards by category
Shop all cardsMore ways to browse cards
†† The opinions you read here come from our editorial team. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.