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 balance transfers††
Citi Simplicity® Card
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Citi Simplicity® Card

Great for balance transfers††

Citi Simplicity® Card

  • Intro balance transfer APR

    0%
    for 21 Months
  • Regular balance transfer APR

    17.74% - 28.49% 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
Intro balance transfer APR

0% for 21 Months

Regular balance transfer APR

17.74% - 28.49% 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

Great for smaller purchases††
Citi Rewards+® Card
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Citi Rewards+® Card

Great for smaller purchases††

Citi Rewards+® Card

  • Intro balance transfer APR

    0%
    for 15 Months
  • Regular balance transfer APR

    17.24% - 27.24% 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
Intro balance transfer APR

0% for 15 Months

Regular balance transfer APR

17.24% - 27.24% 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

Great for simple cash back††
Capital One Quicksilver Cash Rewards Credit Card
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Capital One Quicksilver Cash Rewards Credit Card

Great for simple cash back††

Capital One Quicksilver Cash Rewards Credit Card

  • Intro balance transfer APR

    0%
    for 15 Months
  • Regular balance transfer APR

    17.99% - 27.99% (Variable)
  • Balance transfer fee

    3%
  • Annual fee

    $0
Intro balance transfer APR

0% for 15 Months

Regular balance transfer APR

17.99% - 27.99% (Variable)

Balance transfer fee

3%

Annual fee

$0

Great for balance transfers††
Citi® Diamond Preferred® Card
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Citi® Diamond Preferred® Card

Great for balance transfers††

Citi® Diamond Preferred® Card

  • Intro balance transfer APR

    0%
    for 21 Months
  • Regular balance transfer APR

    16.74% - 27.49% Variable
  • Balance transfer fee

    5%, Min: $5
  • Annual fee

    $0
Intro balance transfer APR

0% for 21 Months

Regular balance transfer APR

16.74% - 27.49% Variable

Balance transfer fee

5%, Min: $5

Annual fee

$0

Great for high flat-rate cash back††
Citi® Double Cash Card
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Citi® Double Cash Card

Great for high flat-rate cash back††

Citi® Double Cash Card

  • Intro balance transfer APR

    0%
    for 18 Months
  • Regular balance transfer APR

    17.74% - 27.74% 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
Intro balance transfer APR

0% for 18 Months

Regular balance transfer APR

17.74% - 27.74% 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

Great for flexible cash back††
Bank of America® Customized Cash Rewards credit card
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Bank of America® Customized Cash Rewards credit card

Great for flexible cash back††

Bank of America® Customized Cash Rewards credit card

  • Intro balance transfer APR

    0%
    for 18 Billing Cycles*
  • Regular balance transfer APR

    16.99% - 26.99%*
    Variable
  • Balance transfer fee

    3%, Min: $10
  • Annual fee

    $0
Intro balance transfer APR

0% for 18 Billing Cycles*

Regular balance transfer APR

16.99% - 26.99%* Variable

Balance transfer fee

3%, Min: $10

Annual fee

$0

Bank of America® Customized Cash Rewards credit card for Students
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Bank of America® Customized Cash Rewards credit card for Students

Bank of America® Customized Cash Rewards credit card for Students

  • Intro balance transfer APR

    0%
    for 18 Billing Cycles
  • Regular balance transfer APR

    16.99% - 26.99%*
    Variable
  • Balance transfer fee

    Either $10 or 3% of the amount of each transaction, whichever is greater.
  • Annual fee

    $0
Intro balance transfer APR

0% for 18 Billing Cycles

Regular balance transfer APR

16.99% - 26.99%* Variable

Balance transfer fee

Either $10 or 3% of the amount of each transaction, whichever is greater.

Annual fee

$0

Discover it® Balance Transfer
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Discover it® Balance Transfer

Discover it® Balance Transfer

  • Intro balance transfer APR

    0%
    for 18 Months
  • Regular balance transfer APR

    14.99% - 25.99% Variable
  • Balance 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% for 18 Months

Regular balance transfer APR

14.99% - 25.99% Variable

Balance transfer fee

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Annual fee

$0

Wells Fargo Reflect® Card
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Wells Fargo Reflect® Card

Wells Fargo Reflect® Card

  • Intro balance transfer APR

    0%
    for 18 Months*
  • Regular balance transfer APR

    16.74% - 28.74%*
    Variable
  • Balance transfer fee

    3% for 120 days from account opening, then up to 5%; min: $5
  • Annual fee

    $0
Intro balance transfer APR

0% for 18 Months*

Regular balance transfer APR

16.74% - 28.74%* Variable

Balance transfer fee

3% for 120 days from account opening, then up to 5%; min: $5

Annual fee

$0

Bank of America® Unlimited Cash Rewards credit card
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Bank of America® Unlimited Cash Rewards credit card

Bank of America® Unlimited Cash Rewards credit card

  • Intro balance transfer APR

    0%
    for 18 Billing Cycles*
  • Regular balance transfer APR

    16.99% - 26.99%*
    Variable
  • Balance transfer fee

    3%, Min: $10
  • Annual fee

    $0
Intro balance transfer APR

0% for 18 Billing Cycles*

Regular balance transfer APR

16.99% - 26.99%* Variable

Balance transfer fee

3%, Min: $10

Annual fee

$0

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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.