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 APR0%for 21 Months
- Regular balance transfer APR16.24% - 26.24% Variable
- Balance transfer fee5%, Min: $5
- Annual fee$0
Intro balance transfer APR
0% for 21 Months
Regular balance transfer APR
16.24% - 26.24% Variable
Balance transfer fee
5%, Min: $5
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 16.24% - 26.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
Citi Rewards+® Card
- Intro balance transfer APR0%for 15 Months
- Regular balance transfer APR14.99% - 24.99% Variable
- Balance transfer feeIntro 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
14.99% - 24.99% 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
- 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
- For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.
Citi® Diamond Preferred® Card
- Intro balance transfer APR0%for 21 Months
- Regular balance transfer APR15.24% - 25.24% Variable
- Balance transfer fee5%, Min: $5
- Annual fee$0
Intro balance transfer APR
0% for 21 Months
Regular balance transfer APR
15.24% - 25.24% Variable
Balance transfer fee
5%, Min: $5
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 15.24% - 25.24%, 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 APR0%for 18 Months
- Regular balance transfer APR15.49% - 25.49% Variable
- Balance transfer feeIntro 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
15.49% - 25.49% 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
- 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.
Bank of America® Customized Cash Rewards credit card
- Regular balance transfer APRSee Terms*
- Balance transfer fee3%, Min: $10
- Annual fee$0
Regular balance transfer APR
See Terms*
Balance transfer fee
3%, Min: $10
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.
Discover it® Balance Transfer
- Intro balance transfer APR0%for 18 Months
- Regular balance transfer APR13.49% - 24.49% Variable
- Balance transfer fee3% 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
13.49% - 24.49% Variable
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 – 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, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Wells Fargo Active Cash® Card
- Intro balance transfer APR0%for 15 Months*
- Regular balance transfer APR16.49%, 21.49%, or 26.49%*Variable
- Balance transfer feeUp to 5%, Min: $5
- Annual fee$0
Intro balance transfer APR
0% for 15 Months*
Regular balance transfer APR
16.49%, 21.49%, or 26.49%* Variable
Balance transfer fee
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
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Wells Fargo Reflect℠ Card
- Intro balance transfer APR0%for 18 Months*
- Regular balance transfer APR14.49% - 26.49%*Variable
- Balance transfer feeUp to 5%, Min: $5
- Annual fee$0
Intro balance transfer APR
0% for 18 Months*
Regular balance transfer APR
14.49% - 26.49%* Variable
Balance transfer fee
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
- 0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers, consisting of 0% intro APR for 18 months from account opening and an intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 14.49% to 26.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5
Bank of America® Unlimited Cash Rewards credit card
- Regular balance transfer APRSee Terms*
- Balance transfer fee3%, Min: $10
- Annual fee$0
Regular balance transfer APR
See Terms*
Balance transfer fee
3%, Min: $10
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 unlimited 1.5% cash back on all purchases.