Updated: July 1, 2019

If you’re carrying credit card debt, you know how challenging it can be to pay down. While you can tighten up your finances, adjust your budget and make larger monthly payments, doing so will still cost you an arm and a leg in interest. That’s why the best option for those working to pay off debt is a balance transfer credit card. These cards offer long 0% intro APRs that allow you to pay off your balance completely interest free! Although you usually have to pay a balance transfer fee of 3% to 5% of the transfer, depending on the card, this one-time fee is nothing when it’s compared to your current credit card interest, meaning you’ll still come out money-ahead. What’s more, all of the cards detailed below have no annual fee! Keep reading to see our list of the best balance transfer credit cards.


Best long term for good to excellent credit: Chase Freedom Unlimited

  • 15-month 0% intro APR on balance transfers
  • 3% balance transfer fee or $5, whichever is greater
  • 15-month 0% intro APR on purchases
  • 3% cash back on all purchases made in the first year (up to $20,000 spent)
  • After that, earn an unlimited 1.5% cash back on all purchases
  • Get a free credit score that’s updated weekly with Credit Journey
  • Comes with zero liability protection, purchase protection and extended warranty

Credit required: Good to excellent credit (usually considered a credit score of 700 or higher)

Why we like it: The Chase Freedom Unlimited card earns 3% cash back on all purchases made in the first year (up to $20,000 spent) — this means you can earn up to $600 back in the first year! After that, you’ll earn an unlimited 1.5% cash back on all purchases, which means it’s a card you’ll want to keep in your wallet long after the 0% intro APR expires. This card also comes with no annual fee and a long 0% intro APR on purchases and balance transfers. Click “Show Details” to see what else Chase Freedom Unlimited offers.


Best long term for straightforward rewards: Capital One Quicksilver Cash Rewards Credit Card

  • 15-month 0% intro APR on balance transfers
  • 3% balance transfer fee
  • 15-month 0% intro APR on purchases
  • $150 bonus after you spend $500 on purchases within 3 months of account opening
  • Unlimited 1.5% cash back on every purchase
  • No annual fee and no foreign transaction fees

Credit required: Good to excellent credit (usually considered a credit score of 700 or higher)

Why we like it: The Capital One Quicksilver Cash Rewards Credit Card, which has no annual fee, offers a 15-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee). It also earns straightforward cash back rewards — you’ll earn a $150 bonus after you spend $500 on purchases within the first 3 months of account opening and an unlimited 1.5% cash back on all purchases. As if that isn’t enough, the Capital One Quicksilver Cash Rewards Credit Card has no foreign transaction fees, which makes it the perfect overseas travel companion.


Best for everyday rewards value: Citi Rewards+ Card

  • 15-month 0% intro APR on balance transfers
  • 3% balance transfer fee or $5, whichever is greater
  • 15-month 0% intro APR on purchases
  • Automatically rounds up to the nearest 10 points on every purchase, with no cap
  • Earn 2X ThankYou Points at supermarkets and gas stations for the first $6,000 per year, then 1X
  • Earn 15,000 bonus points when you spend $1,000 in the first 3 months of account opening

Credit required: Good to excellent credit (usually considered a credit score of 700 or higher)

Why we like it: The Citi Rewards+ Card earns 2X ThankYou Points on spending at supermarkets and gas stations for the first $6,000 a year (1X points thereafter) and 1X points on all other purchases. The biggest selling point of this card is the unique round-up feature that automatically rounds up every purchase to the nearest 10 points. That really boosts the return on your daily latte or lunch purchase. For example, if you pay $2.95 for a cup of coffee, which at 1X point per $1 spent would earn 2.95 points, the bonus will round your points to the nearest 10 points and you’ll earn 10 points on that $2.95 purchase. On top of that, the card has an intro bonus offer of 15,000 ThankYou Points after you make $1,000 in purchases in the first 3 months you open the account, that’s worth $150 in gift cards at thankyou.com. Better still, you’re rewarded further on redemption with 10% points back when you redeem your first 100,000 points per year, and the card has no annual fee. Anyone looking for a great balance transfer card that also allows you to earn maximum value on your everyday small purchases, you should really consider this card.


Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.