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 Rewards+® Card
Intro balance transfer APR
0% for 15 MonthsRegular balance transfer APR
18.74% - 28.74%* VariableBalance 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
0% for 15 Months
18.74% - 28.74%* Variable
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).
$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
- Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
Citi Simplicity® Card
Intro balance transfer APR
0% for 21 MonthsRegular balance transfer APR
19.24% - 29.99%* VariableBalance 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
0% for 21 Months
19.24% - 29.99%* Variable
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).
$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 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
Citi® Diamond Preferred® Card
Intro balance transfer APR
0% for 21 monthsRegular balance transfer APR
18.24% - 28.99%* VariableBalance transfer fee
5%, Min: $5Annual fee
$0
0% for 21 months
18.24% - 28.99%* Variable
5%, Min: $5
$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 18.24% - 28.99%, 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 APR
0% for 18 MonthsRegular balance transfer APR
19.24% - 29.24%* VariableBalance 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
0% for 18 Months
19.24% - 29.24%* Variable
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).
$0
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 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. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
Upgrade Triple Cash Rewards Visa®
Regular balance transfer APR
14.99% - 29.99%Balance transfer fee
Up to 5%Annual fee
$0
14.99% - 29.99%
Up to 5%
$0
- $400 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- 3% cash back exclusively on purchases in the Home, Auto and Health categories
Upgrade Card
Regular balance transfer APR
14.99% - 29.99%Balance transfer fee
Up to 5%Annual fee
$0
14.99% - 29.99%
Up to 5%
$0
- Earn a $400 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- No annual fee
Citi Custom Cash® Card
Intro balance transfer APR
0% for 15 MonthsRegular balance transfer APR
19.24% - 29.24%* VariableBalance transfer fee
5%, Min: $5Annual fee
$0
0% for 15 Months
19.24% - 29.24%* Variable
5%, Min: $5
$0
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
Upgrade Cash Rewards Visa®
Regular balance transfer APR
14.99% - 29.99%Balance transfer fee
Up to 5%Annual fee
$0
14.99% - 29.99%
Up to 5%
$0
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
Discover it® Chrome
Intro balance transfer APR
0% Intro APR for 18 MonthsRegular balance transfer APR
17.24% - 28.24%* VariableBalance transfer fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*Annual fee
$0
0% Intro APR for 18 Months
17.24% - 28.24%* Variable
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
$0
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – 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. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
Upgrade Life Rewards Visa®
Regular balance transfer APR
14.99% - 29.99%Balance transfer fee
Up to 5%Annual fee
$0
14.99% - 29.99%
Up to 5%
$0
- 3% on Gas, Grocery, Health, Streaming, and Utilities, 1% cash back on payments for everything else (Target and Walmart earn 1%)
- Earn a $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*