Compare Balance Transfer Credit Cards

Balance transfer credit cards allow you to eliminate or lower interest charged on your credit card debt by offering 0% or reduced APRs on balance transfers. This sort of card makes a lot of sense for those who are planning to carry a balance on their credit card for more than a few months. If you'd like to know what balance transfer card is best for you, use the 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. Or look below at our list of the best balance transfer credit cards from our partners. To learn more about credit cards, see our Credit Card FAQs.

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 12-09-2016

Compare 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.
Chase Slate®
0% Intro APR on Balance Transfers for 15 months, then 13.24%-23.24% Variable$00% Intro APR on Purchases for 15 months, then 13.24%-23.24% variableGood$0 introductory balance transfer fee during first 60 days your account is open; 0% intro APR on purchases and transfers
Our Rating:
Great choice for balance transfers; Only card with $0 intro balance transfer fee, 0% intro APR on purchases & transfers for 15 months
Citi Simplicity® Card - No Late Fees Ever
0%* for 21 months on Balance Transfers*, then 13.24% - 23.24% (Variable)$0*0%* intro on purchases for 21 months on Purchases*, then 13.24% - 23.24% (Variable)Excellent, GoodSave money with a 0% intro APR on purchases and transfers, no late fees
Our Rating:
Citi's 21-month 0% intro purchase and balance transfer APR period is the longest of any card, no late fees
Citi® Diamond Preferred® Card
0%* for 21 months on Balance Transfers*, then 12.24% - 22.24%* (Variable)$0*0%* intro on purchases for first 21 months on Purchases*, then 12.24% - 22.24%* (Variable)Excellent, GoodSave money with a 0% intro APR on purchases and transfers
Our Rating:
Citi's 21-month 0% intro purchase and balance transfer APR period is the longest of any card; post-intro APR is also low
Discover it®- 18 Month Balance Transfer Offer
0% for 18 months, then 11.24% – 23.24% Variable$00% for first 6 months, then 11.24% – 23.24% VariableExcellent, Good, Average5% cash back on purchases within select categories up to the quarterly maximum; 1% on all other purchases
Our Rating:
18-month 0% intro APR on balance transfers; 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.
BankAmericard® Credit Card
0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days,
then 11.24% - 21.24% Variable APR on balance transfers
$0.0011.24% - 21.24% Variable APR on purchasesExcellent/Good0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.24% - 21.24% Variable APR on purchases. Balance transfer fee of 3% ($10 Min) applies.
Our Rating:
Combines a low balance transfer intro APR offer with some of the most competitive ongoing APRs
Citi® Double Cash Card – 18 month BT offer
0%* for 18 months on Balance Transfers*, then 13.24% - 23.24%* (Variable)$0*13.24% - 23.24%* (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
Citi ThankYou® Preferred Card
0%* for 15 months on Balance Transfers, then 13.24% - 23.24%* (Variable)$0*0%* intro on purchases for 15 months on Purchases, then 13.24% - 23.24%* (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
Wells Fargo Propel American Express® Card
0% intro APR for 15 months, then 13.24% - 25.24% (Variable)$0 0% intro APR for 15 months, then 13.24%-25.24% (variable)Excellent / GoodEarn 3 points per $1 spent on gas, 2 points per $1 spent at restaurants and 1 point per $1 spent on all other purchase
Our Rating:
10% ongoing bonus and rewards program makes this a good choice for Wells Fargo customers; 0% intro APR for 15 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 Platinum Visa® Credit Card
0% intro APR for 15 months, then 15.40%-25.24% (Variable)$00% intro APR for 15 months, then 15.40%-25.24% (variable)Excellent / Good0% intro APR on balance transfers and purchases
Our Rating:
0% intro APR for 15 months on purchases and balance transfers
Wells Fargo Rewards Visa® Credit Card
0% intro APR for 12 months, then 12.40%-26.24% (Variable)$0 0% intro APR for 12 months, then 12.40%-26.24% (variable)Excellent / GoodEarn 5 points per $1 spent on gas, groceries and at drugstores for first 6 months; 1 point per $1 spent on all other purchases
Our Rating:
15,000 point bonus after spending $1K in first 3 mos; 0% intro APR for 12 months on purchases and balance transfers
Blue Cash Everyday® Card from American Express
0% on Balance Transfers for 12 months, then 13.24%-23.24% Variable$00% on Purchases for 12 months, then 13.24%-23.24% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on Balance Transfers for 12 months, then 13.24%-23.24% 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: 25.49%
  • Penalty APR: 29.49%
  • Returned Payment Fee: Up to $38.
Excellent, GoodEarn 10% back at Amazon.com in first 6 months (up to $200 back), 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:
10% on Amazon.com purchases made in first 6 mos (up to $200 back); $100 bonus; unlimited cash back; 12-mo 0% APR on purchases and balance transfers. Terms apply.
Blue Cash Preferred® Card from American Express
0% on Balance Transfers for 12 months, then 13.24%-23.24% Variable$950% on Purchases for 12 months, then 13.24%-23.24% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on Balance Transfers for 12 months, then 13.24%-23.24% 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: 25.49%
  • Penalty APR: 29.49%
  • Returned Payment Fee: Up to $38.
Excellent, GoodEarn 10% back on Amazon.com purchases made in first 6 mos (max $200 back), 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:
10% cash back at Amazon for first 6 months (up to $200 back); 6% cash back at U.S. supermarkets on up to $6K in purchases; $150 intro bonus; 0% APR on purchases and balance transfers for 12 months. Terms apply.
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 Cash Rewards™ Credit Card
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days, then 13.24% - 23.24% Variable APR on balance transfers$0.000% Introductory APR on purchases for 12 billing cycles, then 13.24% - 23.24% 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, $100 online bonus after spending at least $500 on purchases in first 90 days.
Our Rating:
2% back at wholesale clubs; introductory APR offer; $100 online cash rewards bonus offer
Susan G. Komen® Credit Card
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days., then 13.24% - 23.24% Variable APR on balance transfers$0.000% Introductory APR on purchases for 12 billing cycles, then 13.24% - 23.24% 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, $100 online bonus after spending at least $500 on purchases in first 90 days.
Our Rating:
2% back at wholesale clubs; cash back rewards card that contributes to breast cancer cause; $100 online cash rewards bonus offer
Wells Fargo Cash Wise Visa® Credit Card
0% intro APR for 12 months, then 13.24%-25.24%(Variable)$0 0% intro APR for 12 months, then 13.24%-25.24% (variable)Excellent / GoodEarn $150 bonus after spending $1,000 on purchases in the first 3 months; earn 1.5% cash back on all net purchases
Our Rating:
Best for Wells Fargo customers who want to earn 1.5% cash back; $150 bonus opportunity; 0% intro APR for 12 months on purchases and balance transfers
Wells Fargo Propel 365 American Express® Card
0% intro APR for 12 months, then 14.24%-22.24% (Variable)$0 the first year, then $450% intro APR for 12 months, then 14.24%-22.24% (variable)Excellent / GoodEarn 3 points per $1 spent on gas, 2 points per $1 spent at restaurants and 1 point per $1 spent on all other purchase
Our Rating:
$200 bonus opportunity; Up to 50% ongoing bonus and rewards program makes this a good choice for Wells Fargo customers; 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.
The Amex EveryDay® Credit Card from American Express
0% on Balance Transfers for 12 months, then 13.24%-23.24% Variable$00% on Purchases for 12 months, then 13.24%-23.24% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on Balance Transfers for 12 months, then 13.24%-23.24% 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: 25.49%
  • Penalty APR: 29.49%
  • Returned Payment Fee: Up to $38.
Excellent, Good10,000 bonus points after spending $1K in first 3 mos, 2 points per $1 spent at U.S. supermarkets (on up to $6K annually, then 1 point), 1 point per $1 spent on eligible purchases. Terms apply.
Our Rating:
Enjoy AmEx benefits without the annual fee; potential to earn 20% more points. Terms apply.
The Amex EveryDay® Preferred Credit Card from American Express
0% on Balance Transfers for 12 months, then 13.24%-23.24% Variable$950% on Purchases for 12 months, then 13.24%-23.24% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on Balance Transfers for 12 months, then 13.24%-23.24% 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: 25.49%
  • Penalty APR: 29.49%
  • Returned Payment Fee: Up to $38.
Excellent, Good15,000 bonus points after spending $1,000 in first 3 mos, 3 points per $1 spent at U.S. supermarkets (on up to $6K annually, then 1 point), 2 points per $1 spent at U.S. gas stations, 1 point per $1 spent on eligible purchases. Terms apply.
Our Rating:
Get Amex benefits previously only given to charge card members, multiple ways to use earned points. Terms apply.
The Plenti® Credit Card from Amex
15.24%-25.24% Variable$00% on Purchases for 12 months, then 15.24%-25.24% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 15.24%-25.24% 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: 25.49%
  • Penalty APR: 29.49%
  • Returned Payment Fee: Up to $38.
Excellent, GoodEarn 3 Plenti points at US supermarkets (on up to $6,000 per year in purchases), 2 points at US restaurants & 1 point on other purchases for each eligible dollar spent. Terms apply.
Our Rating:
Odd mix of store rewards program card and credit card. Best for those who shop at Macy's, Exxon & Rite Aid. Terms apply.
Simmons First Visa® Platinum
7.25% Variable$07.25% 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.
Barclaycard Ring MasterCard®
8.25%* Variable$08.25%* VariableExcellentVery low ongoing APR, No balance transfer fee, users help manage card program and participate in profits
Our Rating:
Combines remarkable low ongoing APR on purchases & balance transfers with no balance transfer fee; No 0% intro APR; includes a unique profit sharing program
Simmons First Visa® Platinum Rewards
9.25% Variable$09.25% 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 14.24%-23.24% Variable$00% Intro APR on Purchases for 15 months, then 14.24%-23.24% 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; 5% back at wholesale clubs until end of year; $150 Bonus opportunity
Chase Freedom Unlimited℠
0% Intro APR on Balance Transfers for 15 months, then 14.24%-23.24% Variable $00% Intro APR on Purchases for 15 months, then 14.24%-23.24% 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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