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.
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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.
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’ picks

Great for simple cash back††
Great for simple cash back††

Capital One Quicksilver Cash Rewards Credit Card

  • Intro purchase APR

    0%
    for 15 Months
  • Regular purchase APR

    16.49% - 26.49%*
    Variable
  • Annual fee

    $0
  • Welcome bonus

    $200
Intro purchase APR

0% for 15 Months

Regular purchase APR

16.49% - 26.49%* Variable

Annual fee

$0

Welcome bonus

Earn $200 after spending $500 within the first 3 months.

Great for balance transfers††
Great for balance transfers††

Citi Simplicity® Card

  • Intro purchase APR

    0%
    for 12 Months
  • Regular purchase APR

    16.99% - 26.99% Variable
  • Annual fee

    $0
Intro purchase APR

0% for 12 Months

Regular purchase APR

16.99% - 26.99% Variable

Annual fee

$0

Great for smaller purchases††
Great for smaller purchases††

Citi Rewards+® Card

  • Intro purchase APR

    0%
    for 15 Months
  • Regular purchase APR

    15.74% - 25.74% Variable
  • Annual fee

    $0
  • Welcome bonus

    20,000
    Points
Intro purchase APR

0% for 15 Months

Regular purchase APR

15.74% - 25.74% Variable

Annual fee

$0

Welcome bonus

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

Great for flexible cash back††
Great for flexible cash back††

Bank of America® Customized Cash Rewards credit card

  • Intro purchase APR

    0%
    for 15 Billing Cycles*
  • Regular purchase APR

    16.24% - 26.24%*
    Variable
  • Annual fee

    $0
  • Welcome bonus

    $200
Intro purchase APR

0% for 15 Billing Cycles*

Regular purchase APR

16.24% - 26.24%* Variable

Annual fee

$0

Welcome bonus

Earn a $200 online cash rewards bonus after making at least $1,000 in purchases within the first 90 days of account opening

Great for high flat-rate cash back††
Great for high flat-rate cash back††

Citi® Double Cash Card

  • Intro purchase APR

    N/A
  • Regular purchase APR

    16.24% - 26.24% Variable
  • Annual fee

    $0
Intro purchase APR

N/A

Regular purchase APR

16.24% - 26.24% Variable

Annual fee

$0

Great for balance transfers††
Great for balance transfers††

Citi® Diamond Preferred® Card

  • Intro purchase APR

    0%
    for 12 Months
  • Regular purchase APR

    15.99% - 25.99% Variable
  • Annual fee

    $0
Intro purchase APR

0% for 12 Months

Regular purchase APR

15.99% - 25.99% Variable

Annual fee

$0

Discover it® Balance Transfer

  • Intro purchase APR

    0%
    for 6 Months
  • Regular purchase APR

    13.49% - 24.49% Variable
  • Annual fee

    $0
Intro purchase APR

0% for 6 Months

Regular purchase APR

13.49% - 24.49% Variable

Annual fee

$0

Bank of America® Unlimited Cash Rewards credit card

  • Intro purchase APR

    0%
    for 15 Billing Cycles*
  • Regular purchase APR

    16.24% - 26.24%*
    Variable
  • Annual fee

    $0
  • Welcome bonus

    $200
Intro purchase APR

0% for 15 Billing Cycles*

Regular purchase APR

16.24% - 26.24%* Variable

Annual fee

$0

Welcome bonus

Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Wells Fargo Reflect® Card

  • Intro purchase APR

    0%
    for 18 Months*
  • Regular purchase APR

    15.24% - 27.24%*
    Variable
  • Annual fee

    $0
Intro purchase APR

0% for 18 Months*

Regular purchase APR

15.24% - 27.24%* Variable

Annual fee

$0

Wells Fargo Active Cash® Card

  • Intro purchase APR

    0%
    for 15 Months*
  • Regular purchase APR

    17.24%, 22.24%, or 27.24%*
    Variable
  • Annual fee

    $0
  • Welcome bonus

    $200
Intro purchase APR

0% for 15 Months*

Regular purchase APR

17.24%, 22.24%, or 27.24%* Variable

Annual fee

$0

Welcome bonus

Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

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†† The opinions you read here come from our editorial team. 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.