Balance transfer credit cards
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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 smaller purchases††
Great for smaller purchases††
Citi Rewards+® Card
Intro purchase APR
0% for 15 MonthsRegular purchase APR
18.74% - 28.74%* VariableAnnual fee
$0Welcome bonus
20,000Points
Intro purchase APR
0% for 15 Months
Regular purchase APR
18.74% - 28.74%* Variable
Annual fee
$0
Welcome bonus
20,000 Points
- 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.
Great for a long balance transfer offer††
Great for a long balance transfer offer††
Citi Simplicity® Card
Intro purchase APR
0% for 12 MonthsRegular purchase APR
19.24% - 29.99%* VariableAnnual fee
$0
Intro purchase APR
0% for 12 Months
Regular purchase APR
19.24% - 29.99%* Variable
Annual fee
$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 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
Great for travel rewards with no annual fee††
Great for travel rewards with no annual fee††
Bank of America® Travel Rewards credit card
Intro purchase APR
0% Intro APR for 15 billing cycles for purchases*Regular purchase APR
18.24% - 28.24%* VariableAnnual fee
$0Welcome bonus
25,000Points
Intro purchase APR
0% Intro APR for 15 billing cycles for purchases*
Regular purchase APR
18.24% - 28.24%* Variable
Annual fee
$0
Welcome bonus
25,000 Points
- 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.
Great for a long balance transfer offer††
Great for a long balance transfer offer††
Citi® Diamond Preferred® Card
Intro purchase APR
0% for 12 monthsRegular purchase APR
18.24% - 28.99%* VariableAnnual fee
$0
Intro purchase APR
0% for 12 months
Regular purchase APR
18.24% - 28.99%* Variable
Annual fee
$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 18.24% - 28.99%, 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 purchase APR
N/ARegular purchase APR
19.24% - 29.24%* VariableAnnual fee
$0Welcome bonus
$200
Intro purchase APR
N/A
Regular purchase APR
19.24% - 29.24%* Variable
Annual fee
$0
Welcome bonus
$200
- 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, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
Great for choosing your top category††
Great for choosing your top category††
Bank of America® Customized Cash Rewards credit card
Intro purchase APR
0% Intro APR for 15 billing cycles for purchases*Regular purchase APR
18.24% - 28.24%* VariableAnnual fee
$0Welcome bonus
$200
Intro purchase APR
0% Intro APR for 15 billing cycles for purchases*
Regular purchase APR
18.24% - 28.24%* Variable
Annual fee
$0
Welcome bonus
$200
- $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 paying off major expenses††
Great for paying off major expenses††
Upgrade Triple Cash Rewards Visa®
Intro purchase APR
N/ARegular purchase APR
14.99% - 29.99%Annual fee
$0Welcome bonus
$400
Intro purchase APR
N/A
Regular purchase APR
14.99% - 29.99%
Annual fee
$0
Welcome bonus
$400
- $400 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- 3% cash back exclusively on purchases in the Home, Auto and Health categories
Great for simple cash back††
Great for simple cash back††
Bank of America® Unlimited Cash Rewards credit card
Intro purchase APR
0% Intro APR for 15 billing cycles for purchases*Regular purchase APR
18.24% - 28.24%* VariableAnnual fee
$0Welcome bonus
$200
Intro purchase APR
0% Intro APR for 15 billing cycles for purchases*
Regular purchase APR
18.24% - 28.24%* Variable
Annual fee
$0
Welcome bonus
$200
- $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.
Great for transferring existing debt††
Great for transferring existing debt††
Discover it® Balance Transfer
Intro purchase APR
0% Intro APR for 6 MonthsRegular purchase APR
17.24% - 28.24%* VariableAnnual fee
$0
Intro purchase APR
0% Intro APR for 6 Months
Regular purchase APR
17.24% - 28.24%* Variable
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. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
Great for choosing your top category††
Great for choosing your top category††
Bank of America® Customized Cash Rewards credit card for Students
Intro purchase APR
0% Intro APR for 15 billing cycles for purchases*Regular purchase APR
18.24% - 28.24%* VariableAnnual fee
$0Welcome bonus
$200
Intro purchase APR
0% Intro APR for 15 billing cycles for purchases*
Regular purchase APR
18.24% - 28.24%* Variable
Annual fee
$0
Welcome bonus
$200
- $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.
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†† 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.