Balance Transfer Calculator

Use our balance transfer calculator to find the card that will save you the most money, estimate the total interest & fees you'll pay and how long it will take to pay off your balance, based on your finances.*
Find the Perfect Card for You

NextAdvisor's

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 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 we've reviewed below, and click "Apply Now" to connect with any of our partners. You can also use our free Balance Transfer Calculator to see our estimate of the interest and fees you'd pay for all of the cards we've reviewed.

Updated 11-16-2018

Balance Transfer Credit Cards Comparison Chart

Name & CardBalance Transfer APRAnnual FeePurchase APRCredit NeededFeaturesOur 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.
Discover it® Balance Transfer
0% for 18 months, then 13.99% - 24.99% Variable$00% for first 6 months, then 13.99% - 24.99% 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
Wells Fargo Platinum Visa® Card
0% intro APR 18 months, then 13.49%-26.99% (Variable)$00% intro APR for 18 months, then 13.49%-26.99% (variable)Excellent / Good0% intro APR on balance transfers and purchases
Our Rating:
0% intro APR for 18 months on purchases and balance transfers, mobile phone protection
BankAmericard® credit card
0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days, then 14.99% - 24.99% Variable APR on balance transfers$00% Introductory APR on purchases for 18 billing cycles, then 14.99% - 24.99% Variable APR on purchasesExcellent/Good0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days, then 14.99% - 24.99% Variable APR on balance transfers.
Our Rating:
0% Introductory APR for 18 billing cycles on purchases and qualifying balance transfers
Citi® Double Cash Card
0% for 18 months, then 15.49% - 25.49%* (Variable)$0*15.49% - 25.49%* (Variable)Excellent, GoodEarn 2% cash back on all purchases (1% when you make a purchase, plus another 1% when you ​pay for the purchase)
Our Rating:
Earn 2% cash back on all purchases, the highest standard cash back rate of all the cards we review; 18-month 0% intro APR on balance transfers*
Name & CardBalance Transfer APRAnnual FeePurchase APRCredit NeededFeaturesOur 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.
Citi Simplicity® Card - No Late Fees Ever
0%* for 21 months, then 15.99% - 25.99%* (Variable)$0*0%* for 12 months, then 15.99% - 25.99%* (Variable)Excellent, GoodSave money with a 0% intro APR on purchases and transfers, no late fees
Our Rating:
21-month 0% intro APR on balance transfers; 12-month 0% intro APR on purchases; post-intro APR is also low
Blue Cash Everyday® Card from American Express
0% on balance transfers for 15 months, then 14.99%-25.99% Variable$00% on purchases for 15 months, then 14.99%-25.99% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on balance transfers for 15 months, then 14.99%-25.99% 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: 27.24% Variable
  • Penalty APR: 29.99% Variable
  • Returned Payment Fee: Up to $38
Good, ExcellentEarn 3% cash back at US supermarkets (up to $6K), 2% cash back on US gas & select dept stores, 1% cash back on other purchases. $150 bonus after spending $1K in first 3 mos. Terms apply.
Our Rating:
$150 bonus; 15-month 0% intro APR on both balance transfers and purchases; Solid all-around cash back card. Terms apply.
Citi ThankYou® Preferred Card
0% for 15 months, then 15.49% - 25.49%* (Variable)$0*0% for 15 months, then 15.49% - 25.49%* (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-month 0% intro APR on purchases and balance transfers
HSBC Cash Rewards Mastercard® credit card
0% Introductory APR on balance transfers for the first 15 months from account opening, then Variable APR of 14.99%, 18.99% or 24.99% will apply after the Introductory Period$0Variable APR of 14.99%, 18.99% or 24.99% will be applied
Additional Rates & Fees
Additional Rates & Fees
  • Annual Fee: $0.
  • Purchase APR: Variable APR of 14.99%, 18.99% or 24.99% will be applied.
  • Balance Transfer APR: 0% Introductory APR on balance transfers for the first 15 months from account opening, then Variable APR of 14.99%, 18.99% or 24.99% will apply after the Introductory Period.
  • Balance Transfer Fee: Either $10 or 4%, whichever is greater, will apply on each cash advance transaction.
  • Foreign Transaction Fee: None.
  • Terms and Conditions
Good, Excellent$150 bonus after spending $2,500 in first 3 months. Earn unlimited 1.5% on all purchases
Our Rating:
$150 bonus opportunity; 10% anniversary bonus each year; 15-month 0% intro APR on balance transfers
Name & CardBalance Transfer APRAnnual FeePurchase APRCredit NeededFeaturesOur 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 Freedom®
0% Intro APR on Balance Transfers for 15 months, then 16.99% - 25.74% Variable$00% Intro APR on Purchases for 15 months, then 16.99% - 25.74% 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 16.99% - 25.74% Variable $00% Intro APR on Purchases for 15 months, then 16.99% - 25.74% 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
Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days, then 15.24% - 25.24% Variable APR on balance transfers$00% Introductory APR on purchases for 12 billing cycles, then 15.24% - 25.24% Variable APR on purchasesExcellent/Good$200 online bonus after you spend at least $500 on purchases in the first 90 days of account opening; Earn 3% cash back on gas, 2% back at wholesale clubs & grocery stores up to $2,500 gas/wholesale club/grocery store quarterly purchases, 1% back on other purchases
Our Rating:
$200 online cash rewards bonus offer; 3% on gas, 2% at wholesale clubs and grocery stores; introductory 0% APR offer for 12 billing cycles
Blue Cash Preferred® Card from American Express
0% on balance transfers for 12 months, then 14.99%-25.99% Variable$950% on purchases for 12 months, then 14.99%-25.99% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on balance transfers for 12 months, then 14.99%-25.99% 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: 27.24% Variable
  • Penalty APR: 29.99% Variable
  • Returned Payment Fee: Up to $38
Good, ExcellentEarn 6% cash back at U.S. supermarkets (up to $6,000), 3% back at U.S. gas stations and 1% back on other purchases. $200 intro bonus after spending $1,000 in first 3 months. Terms apply.
Our Rating:
6% cash back at U.S. supermarkets on up to $6,000 in purchases; $200 intro bonus; Terms apply.
Name & CardBalance Transfer APRAnnual FeePurchase APRCredit NeededFeaturesOur 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 Cash Wise Visa® Card
0% intro APR for 12 months, then 15.99%-26.99% (Variable)$0 0% intro APR for 12 months, then 15.99%-26.99% (variable)Excellent / GoodEarn $200 bonus after spending $1,000 on purchases in the first 3 months; earn unlimited 1.5% cash back on purchases
Our Rating:
$200 bonus opportunity; earn 1.5% cash back; 0% intro APR for 12 months on purchases and balance transfers
Wells Fargo Propel American Express® Card
0% intro APR for 12 months, then 14.49%-26.99% (Variable)$00% intro APR for 12 months, then 14.49%-26.99% (variable)Excellent / GoodEarn 30,000 bonus points (redeemable for $300 cash back) after spending $3,000 on purchases in the first 3 months; Earn 3X on travel, eating out and ordering in and gas station purchases — redeemable for cash back & more
Our Rating:
30,000-point bonus opportunity (worth $300 in cash); Earn 3X at gas stations, on travel (including rideshares & transit) purchases, as well as popular streaming services, eating out and ordering in; 12-month 0% intro APR on purchases & balance transfers
U.S. Bank Cash 365 American Express® Card
0%* intro on BTs for 12 months for transfers made in the first 60 days, then 15.99% - 24.99%* (Variable)$0*15.99% - 24.99%* (Variable)
Additional Rates & Fees
Additional Rates & Fees
  • Annual Fee: $0*
  • Purchase APR: 15.99% - 24.99%* (Variable), depending on credit history.
  • Balance Transfer APR:0%* intro on BTs for 12 months for transfers made in the first 60 days, then 15.99% - 24.99%* (Variable)
  • Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
  • *Terms and Conditions
ExcellentEarn $150 bonus after spending $500 on purchases in the first 3 months; earn unlimited 1.5% cash back on purchases
Our Rating:
$150 bonus opportunity, earn 1.5% back on all purchases, 12-month 0% intro APR on balance transfers.
Simmons Visa®
10.25% Variable$010.25% VariableExcellentVery low ongoing APR, No balance transfer fee
Our Rating:
Exceptionally low ongoing APR and no balance transfer fees
Name & CardBalance Transfer APRAnnual FeePurchase APRCredit NeededFeaturesOur 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 Rewards Visa® Signature
12.25% Variable$012.25% VariableExcellent1.25 points per $1 spent on all purchases
Our Rating:
Combines very low ongoing APR and no balance transfer fees with rewards program

Disclaimer: This content is not provided or commissioned by the credit card issuers. Opinions expressed here are author's alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers. This site may be compensated through the affiliate program of the credit card issuers.

*See credit card application page for additional details.


About Us Blog Contact Us Terms & Privacy Policy Site Map
Copyright© 2006 - 2018 NextAdvisor.com - All rights reserved.

Advertiser Disclosure: NextAdvisor is a consumer information site that offers free reviews and ratings of online services. Many of the companies whose services we review provide us compensation when someone who clicks from our site becomes their customer. This is how we make money to support our site. The results of our analyses, calculators, reviews and ratings are based on objective quantitative and qualitative evaluation of all the cards on our site and are not affected by any compensation NextAdvisor may receive. Compensation may impact which products we review and write about and where those products appear. We do not review all products in a given category. All opinions expressed on this site are our own.