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Our editors’ take: The best balance transfer credit cards
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 without adding to your card balance, these cards can be a great way to manage debt.
Try to look at options with long 0% intro APR 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.
Our editors’ picks for the top balance transfer cards address a range of needs:
- Best for long 0% intro APR: Wells Fargo Reflect® Card
- Best for people who might forget to pay back in time: Citi Simplicity® Card
- Best for time to transfer your balances: Citi® Diamond Preferred® Card