3 Best Bank of America Balance Transfer Offers

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Here are our picks for the best Bank of America balance transfer cards.

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

BankAmericard® credit card

From our partner

Offer Terms
Annual Fee	Intro Purchase APR	Intro Balance Transfer APR	Regular Purchase APR	Regular Balance Transfer APR
$0	0% Intro APR for 21 billing cycles for purchases	0% for 21 Billing Cycles for qualifying balance transfers	14.99% – 25.99% Variable APR on purchases	14.99% – 25.99% Variable APR on balance transfers

Offer Terms
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 21 billing cycles for purchases
Intro Balance Transfer APR
0% for 21 Billing Cycles for qualifying balance transfers
Regular Purchase APR
14.99% – 25.99% Variable APR on purchases
Regular Balance Transfer APR
14.99% – 25.99% Variable APR on balance transfers

Additional Rates and Fees

Cash Advance Rate	See Terms*
Cash Advance Fee	See Terms*
Late Fee	See Terms*
Penalty APR	None
Balance Transfer Fee	5% of the amount of each transaction
Foreign Transaction Fee	3%
Return Payment Fee	See Terms*

New! 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 14.99% – 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
No annual fee.
No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

^*See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

See details, rates & fees

Here’s why: The BankAmericard® credit card offers an intro 0% APR for 21 billing cycles on purchases and balance transfers. But there are a few things you should know.

You have to transfer your balance within the first 60 days of your account opening to qualify for the intro APR offer.
After the 21 billing cycles are up, there will be a variable APR on purchases and balance transfers of 14.99% - 25.99%.
There’s a balance transfer fee of 5% of the amount of each transaction.

It also charges a $0 annual fee.

Learn more about the BankAmericard® credit card to take a closer look.

BankAmericard® credit card for Students

From our partner

Offer Terms
Annual Fee	Intro Purchase APR	Intro Balance Transfer APR	Regular Purchase APR	Regular Balance Transfer APR
$0	0% Intro APR for 21 billing cycles for purchases	0% for 21 Billing Cycles for qualifying balance transfers	14.99% – 25.99% Variable APR on purchases	14.99% – 25.99% Variable APR on balance transfers

Offer Terms
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 21 billing cycles for purchases
Intro Balance Transfer APR
0% for 21 Billing Cycles for qualifying balance transfers
Regular Purchase APR
14.99% – 25.99% Variable APR on purchases
Regular Balance Transfer APR
14.99% – 25.99% Variable APR on balance transfers

Additional Rates and Fees

Cash Advance Rate	See Terms*
Cash Advance Fee	See Terms*
Late Fee	See Terms*
Penalty APR	None
Balance Transfer Fee	5% of the amount of each transaction
Foreign Transaction Fee	3%
Return Payment Fee	See Terms*

New! 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 14.99% – 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
No annual fee.
No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

See details, rates & fees

Here’s why: If you’re a student focused on paying down debt while also learning how to build good credit habits, the BankAmericard® credit card for Students could be the card for you.

The card comes with an intro 0% APR on purchases and balance transfers for the first 21 billing cycles — as long as you transfer your balance in the first 60 days your account is open. But you’ll pay a balance transfer fee of 5% of the amount of each transaction. After the intro 0% APR period, there’s a variable APR on purchases and balance transfers of 14.99% - 25.99%.

For students who have some credit card debt to pay down and are trying to build credit history, these features could help.

Bank of America® Customized Cash Rewards credit card

From our partner

Offer Terms
Annual Fee	Intro Purchase APR	Intro Balance Transfer APR	Regular Purchase APR	Regular Balance Transfer APR
$0	0% Intro APR for 15 billing cycles for purchases	0% for 15 Billing Cycles for qualifying balance transfers	17.49% – 27.49% Variable APR on purchases	17.49% – 27.49% Variable APR on balance transfers

Offer Terms
Annual Fee
$0
Intro Purchase APR
0% Intro APR for 15 billing cycles for purchases
Intro Balance Transfer APR
0% for 15 Billing Cycles for qualifying balance transfers
Regular Purchase APR
17.49% – 27.49% Variable APR on purchases
Regular Balance Transfer APR
17.49% – 27.49% Variable APR on balance transfers

Additional Rates and Fees

Cash Advance Rate	See Terms*
Cash Advance Fee	See Terms*
Late Fee	See Terms*
Penalty APR	Up to 29.99% APR
Balance Transfer Fee	3% for 60 days from account opening, then 5%
Foreign Transaction Fee	3%
Return Payment Fee	See Terms*

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
No annual fee and cash rewards don’t expire as long as your account remains open.
Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% – 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

See details, rates & fees

Here’s why: The Bank of America® Customized Cash Rewards credit card comes with rewards that could provide long-term benefits once your balance is paid down.

The Bank of America® Customized Cash Rewards credit card also offers a $0 annual fee and an intro 0% APR on purchases and on qualifying balance transfers. This introductory APR lasts for 15 billing cycles for purchases and for qualifying balance transfers made in the first 60 days from account opening. After the intro period is up, there will be a variable APR of 17.49% - 27.49% on both balance transfers and purchases. The card charges a balance transfer fee of 3% for 60 days from account opening, then 5%.

If you think you can pay off your balance during the intro period and want a card with rewards, the perks could make this card worthwhile — this card offers decent cash back rewards.

Learn more about what Bank of America® Customized Cash Rewards credit card offers.

How to make the most of balance transfer cards

No matter which Bank of America card you might choose, know that regular interest rates kick in after the intro APR expires.

Make sure you pay off any balance transfers and purchases before the rates go up to avoid paying interest.

The 3 best Bank of America balance transfer offers

Christy Rakoczy Bieber

Advertiser Disclosure

BankAmericard® credit card

BankAmericard® credit card

BankAmericard® credit card

BankAmericard® credit card for Students

BankAmericard® credit card for Students

BankAmericard® credit card for Students

Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card

How to make the most of balance transfer cards