Best Balance Transfer Credit Cards

Sick of paying an arm and a leg in credit card interest? One of the best balance transfer credit cards that we've reviewed may be the perfect solution for you. By transferring your credit card balance to one of these cards that offer a long 0% intro APR or a reduced APR on balance transfers, you can get plenty of time to pay off your balance with much lower interest rates — if any at all. View our list of the best balance transfer credit cards that we've reviewed below, or use our free Balance Transfer Calculator on the right side of this page to see our estimate of the interest and fees you'd pay for all of the cards we've reviewed.

Balance Transfer Calculator

Just enter the amount you plan to transfer, how much you'll be paying towards this balance each month and your current credit level. We'll display the best balance transfer credit cards for you, estimating the total interest & fees you'll pay and how long it will take to pay off your balance*.
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Updated 07-20-2017

Best Balance Transfer Credit Cards Comparison Chart

Name & CardBalance Transfer APRAnnual
Fee
Purchase
APR
Credit
Needed
FeaturesOur Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
BankAmericard® Credit Card
0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR on balance transfers $0.000% Introductory APR on purchases for 15 billing cycles, then 12.99% - 22.99% Variable APR on purchases Excellent/Good$0 Intro balance transfer fee for the first 60 days your account is open, then 3% (min $10). 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR on balance transfers.
Our Rating:
Our top-rated card for balance transfers combines a $0 intro balance transfer fee during the first 60 days account is open (then 3%, min $10) with a 0% intro APR on balance transfers and purchases for 15 billing cycles
Citi Simplicity® Card - No Late Fees Ever
0%* for 21 months on Balance Transfers*, then 14.49% - 24.49% (Variable)$0*0%* for 21 months on Purchases*, then 14.49% - 24.49% (Variable)Excellent, GoodSave money with a 0% intro APR on purchases and transfers, no late fees
Our Rating:
21-month 0% intro APR on both purchases and balance transfers, no late fees
Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases
0%* for 21 months on Balance Transfers*, then 13.49% - 23.49%* (Variable)$0*0%* for 21 months on Purchases*, then 13.49% - 23.49%* (Variable)Excellent, GoodSave money with a 0% intro APR on purchases and transfers
Our Rating:
21-month 0% intro APR on both purchases and balance transfers; post-intro APR is also low
Discover it® - 18 Month Balance Transfer Offer
0% for 18 months, then 11.99% – 23.99% Variable$00% for first 6 months, then 11.99% – 23.99% VariableExcellent, Good, Average5% cash back on purchases within select categories up to the quarterly maximum (signup required); unlimited 1% on all other purchases
Our Rating:
Combines an 18-month 0% intro APR on balance transfers with cash back rewards; Double your cash back at end of 1st year
Name & CardBalance Transfer APRAnnual
Fee
Purchase
APR
Credit
Needed
FeaturesOur Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Barclaycard Ring™ Mastercard®
0% intro APR for 15 months (on balance transfers made within 45 days of account opening), then 13.99% Variable$00% intro APR for 15 months, then 13.99% VariableExcellentNo balance transfer fees, 0% intro APR on purchases and transfers, users help manage card program and participate in profits
Our Rating:
Combines 15-month 0% intro APR purchases & balance transfers with no balance transfer fee; includes a unique profit sharing program
Citi® Double Cash Card – 18 month BT offer
0%* for 18 months on Balance Transfers*, then 14.49% - 24.49%* (Variable)$0*14.49% - 24.49%* (Variable)Excellent, Good1% cash back on all purchases plus another 1% cash back as you pay for those purchases, whether you pay in full or over time
Our Rating:
1% cash back when you buy PLUS 1% back when you pay = 2x cash back on all purchases; 18-mo 0% APR on balance transfers
Wells Fargo Platinum Visa® Card
0% intro APR for 18 months, then 16.15%-25.99% (Variable)$00% intro APR for 18 months, then 16.15%-25.99% (variable)Excellent / Good0% intro APR on balance transfers and purchases
Our Rating:
0% intro APR for 18 months on purchases and balance transfers
Barclaycard CashForward™ World Mastercard®
0% for 15 months (on balance transfers made within 45 days of account opening), then 15.99%, 20.99% or 25.99% Variable$00% for 15 months, then 15.99%, 20.99% or 25.99% VariableExcellent1.5% cash back on all purchases, $200 bonus after spending $1,000 in first 90 days
Our Rating:
1.5% on all purchases; $200 bonus; unlimited cash back; 15-mo 0% APR on balance transfers and purchases.
Name & CardBalance Transfer APRAnnual
Fee
Purchase
APR
Credit
Needed
FeaturesOur Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
HSBC Platinum Mastercard® credit card
0% intro for 18 months, then 13.99%, 17.99% or 23.99%$00% intro for 18 months, then 13.99%, 17.99% or 23.99%Good/Excellent0% intro APR on balance transfers and purchases
Our Rating:
18-month 0% intro APR on both purchases and balance transfers
Citi ThankYou® Preferred Card
0%* for 12 months on Balance Transfers, then 14.49% - 24.49%* (Variable)$0*0%* intro on purchases for 12 months on Purchases, then 14.49% - 24.49%* (Variable)Excellent2 points per $1 spent on dining and entertainment; 1 point per $1 spent on all other purchases
Our Rating:
Earn rewards to spend on cash, travel and more; 15,000 bonus point opportunity.
BankAmericard Cash Rewards™ Credit Card
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days, then 13.99% - 23.99% Variable APR on balance transfers$0.000% Introductory APR on purchases for 12 billing cycles, then 13.99% - 23.99% Variable APR on purchasesExcellent/GoodEarn 3% cash back on gas, 2% back at wholesale clubs & grocery stores up to $2,500 gas/wholesale club/grocery store quarterly spend, 1% back on other purchases, $150 online bonus after spending at least $500 on purchases in first 90 days.
Our Rating:
2% back at wholesale clubs; $150 online cash rewards bonus offer; introductory 0% APR offer for 12 billing cycles
Wells Fargo Cash Wise Visa® Card
0% intro APR for 12 months, then 13.99%-25.99% (Variable)$0 0% intro APR for 12 months, then 13.99%-25.99% (variable)Excellent / GoodEarn $200 bonus after spending $1,000 on purchases in the first 3 months; earn 1.5% cash back on virtually every purchase
Our Rating:
$200 bonus opportunity; earn 1.5% cash back; 0% intro APR for 12 months on purchases and balance transfers
Name & CardBalance Transfer APRAnnual
Fee
Purchase
APR
Credit
Needed
FeaturesOur Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Wells Fargo Propel American Express® Card
0% intro APR for 12 months, then 13.99%-25.99% (Variable)$00% intro APR for 12 months, then 13.99%-25.99% (variable)Excellent / GoodEarn 20,000 bonus points (redeemable for $200 cash back) after spending $1K in first 3 months; Earn 3x on gas, 2x at restaurants, and 1x on all other purchases - redeemable for cash back & more
Our Rating:
$200 bonus opportunity; flexible reward redemption options including cash back; 10% ongoing bonus and rewards program makes this an especially good choice for Wells Fargo customers
Blue Cash Preferred® Card from American Express
0% on Balance Transfers for 12 months, then 13.99%-24.99% Variable$950% on Purchases for 12 months, then 13.99%-24.99% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on Balance Transfers for 12 months, then 13.99%-24.99% Variable, based on creditworthiness.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Late Payment Fee: Up to $38
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 26.24%
  • Penalty APR: 29.99%
  • Returned Payment Fee: Up to $38.
Excellent, GoodEarn 6% cash back at US supermarkets (up to $6K), 3% back on US gas & select US dept stores; 1% back on other purchases. $150 intro bonus after spending $1K in first 3 mos. Terms apply.
Our Rating:
6% cash back at U.S. supermarkets on up to $6K in purchases; $150 intro bonus; Terms apply.
Blue Cash Everyday® Card from American Express
0% on Balance Transfers for 12 months, then 13.99%-24.99% Variable$00% on Purchases for 12 months, then 13.99%-24.99% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on Balance Transfers for 12 months, then 13.99%-24.99% Variable, based on creditworthiness.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Late Payment Fee: Up to $38
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 26.24%
  • Penalty APR: 29.99%
  • Returned Payment Fee: Up to $38.
Excellent, GoodEarn 3% cash back at US supermarkets (up to $6K), 2% cash back on US gas & select dept stores, 1% cash back on other purchases. $100 bonus after spending $1K in first 3 mos. Terms apply.
Our Rating:
$100 bonus; Solid all-around cash back card. Terms apply.
Simmons First Visa® Platinum
8.00% Variable$08.00% VariableExcellentVery low ongoing APR, No balance transfer fee
Our Rating:
Exceptionally low ongoing APR and no balance transfer fees
Name & CardBalance Transfer APRAnnual
Fee
Purchase
APR
Credit
Needed
FeaturesOur Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Simmons First Visa® Platinum Rewards
10.00% Variable$010.00% VariableExcellent1 point per $1 spent
Our Rating:
Combines very low ongoing APR and no balance transfer fees with travel rewards program
Chase Freedom® - $150 Bonus
0% Intro APR on Balance Transfers for 15 months, then 15.99% - 24.74% Variable$00% Intro APR on Purchases for 15 months, then 15.99% - 24.74% variableGoodEarn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Unlimited 1% cash back on all other purchases.
Our Rating:
Excellent combination of cash back rewards and 0% intro APR; $150 Bonus opportunity
Chase Freedom Unlimited℠
0% Intro APR on Balance Transfers for 15 months, then 15.99% - 24.74% Variable $00% Intro APR on Purchases for 15 months, then 15.99% - 24.74% variableGoodEarn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening, Unlimited 1.5% cash back
Our Rating:
Unlimited 1.5% cash back; 0% Intro APR on Purchases and balance transfers for 15 months; $150 Bonus opportunity

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