NextAdvisor's

Best Balance Transfer Credit Cards

Your personalized balance transfer credit card results are shown below, with NextAdvisor.com's estimate* of the card with the least fees and quickest payoff at the top and the card with the highest fees and longest pay off at the bottom. The results are based on the transfer amount, monthly payment and credit level you provided and are not endorsed or approved by the credit card issuers. To change the results, just update the Balance Transfer Calculator on the right.

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 balance transfer cards from our database that will save you the most money, estimating the total interest & fees you'll pay and how long it will take to pay off your balance*.
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Balance Transfer Fee* Total Interest Paid* Annual
Fee
Total Interest & Fees* # Months to Pay Off Card Bottom Line Balance Transfer Estimated APR^
The Amex EveryDay® Credit Card from American Express
$0 + $6 + $0 =$6 17
Apply Now | Review
Our Rating:
Our top-rated card for balance transfers combines a 15-month 0% intro APR on purchases & balance transfers with a $0 intro balance transfer fee; enjoy Amex benefits without the annual fee and the potential to earn 20% more points. Terms apply.
14.49%^
BankAmericard® Credit Card
$0 + $6 + $0 =$6 17
Apply Now | Review
Our Rating:
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 purchases and qualifying balance transfers for 15 billing cycles
13.49%^
Chase Slate®
$0 + $7 + $0 =$7 17
Apply Now | Review
Our Rating:
Great choice for balance transfers; $0 intro balance transfer fee, 0% intro APR on purchases & transfers for 15 months
16.24%^
Balance Transfer Fee* Total Interest Paid* Annual
Fee
Total Interest & Fees* # Months to Pay Off Card Bottom Line Balance Transfer Estimated APR^
Discover it® - 18 Month Balance Transfer Offer
$240 + $0 + $0 =$240 17
Apply Now | Review
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
13.49%^
U.S. Bank Visa® Platinum Card
$240 + $0 + $0 =$240 17
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Our Rating:
18-month 0% intro APR on purchases and balance transfers
11.24%^
Citi® Double Cash Card
$240 + $0 + $0 =$240 17
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Our Rating:
1% cash back when you buy PLUS 1% back when you pay = 2x cash back on all purchases; the highest standard cashback rate of all cards we review; 18-mo 0% APR on balance transfers
14.99%^
Blue Cash Everyday® Card from American Express
$240 + $12 + $0 =$252 17
Apply Now | Review
Our Rating:
$150 bonus; 15-month 0% intro APR on both balance transfers and purchases; Solid all-around cash back card. Terms apply.
14.49%^
Balance Transfer Fee* Total Interest Paid* Annual
Fee
Total Interest & Fees* # Months to Pay Off Card Bottom Line Balance Transfer Estimated APR^
Citi ThankYou® Preferred Card
$240 + $12 + $0 =$252 17
Apply Now | Review
Our Rating:
Earn rewards to spend on cash, travel and more; 15-month 0% intro APR on purchases and balance transfers
14.99%^
Wells Fargo Platinum Visa® Card
$240 + $14 + $0 =$254 17
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Our Rating:
0% intro APR for 15 months on purchases and balance transfers
16.65%^
Bank of America® Cash Rewards Credit Card
$240 + $77 + $0 =$317 17
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Our Rating:
2% back at wholesale clubs; $150 online cash rewards bonus offer; introductory 0% APR offer for 12 billing cycles
14.49%^
Blue Cash Preferred® Card from American Express
$240 + $77 + $0 =$317 17
Apply Now | Review
Our Rating:
6% cash back at U.S. supermarkets on up to $6K in purchases; $200 intro bonus; Terms apply.
14.49%^
Balance Transfer Fee* Total Interest Paid* Annual
Fee
Total Interest & Fees* # Months to Pay Off Card Bottom Line Balance Transfer Estimated APR^
Wells Fargo Cash Wise Visa® Card
$240 + $77 + $0 =$317 17
Apply Now | Review
Our Rating:
$200 bonus opportunity; earn 1.5% cash back; 0% intro APR for 12 months on purchases and balance transfers
14.49%^
U.S. Bank Cash 365  American Express®  Card
$240 + $82 + $0 =$322 17
Apply Now | Review
Our Rating:
$150 bonus opportunity, earn 1.5% back on all purchases, 12-month 0% intro APR on balance transfers.
15.24%^
HSBC Cash Rewards Mastercard® credit card
$320 + $14 + $0 =$334 17
Apply Now | Review
Our Rating:
$150 bonus opportunity; 10% anniversary bonus each year; 15-month 0% intro APR on balance transfers
14.49%^
Citi® Diamond Preferred® Card– 21 Month Balance Transfer Offer
$400 + $0 + $0 =$400 17
Apply Now | Review
Our Rating:
21-month 0% intro APR on balance transfers and purchases; post-intro APR is also low; slightly higher than usual balance transfer fee
14.24%^
Balance Transfer Fee* Total Interest Paid* Annual
Fee
Total Interest & Fees* # Months to Pay Off Card Bottom Line Balance Transfer Estimated APR^
Citi Simplicity® Card - No Late Fees Ever
$400 + $0 + $0 =$400 17
Apply Now | Review
Our Rating:
18-month 0% intro APR on both purchases and balance transfers, no late fees but higher than usual 5% balance transfer fee.
15.24%^
Chase Freedom® - $150 Bonus
$400 + $18 + $0 =$418 17
Apply Now | Review
Our Rating:
Excellent combination of cash back rewards and 0% intro APR; $150 Bonus opportunity
16.24%^
Chase Freedom Unlimited®
$400 + $18 + $0 =$418 17
Apply Now | Review
Our Rating:
Unlimited 1.5% cash back; 0% Intro APR on Purchases and balance transfers for 15 months; $150 Bonus opportunity
16.24%^
Simmons Visa®
$0 + $605 + $0 =$605 18
Review
Our Rating:
Exceptionally low ongoing APR and no balance transfer fees
9.75%^
Balance Transfer Fee* Total Interest Paid* Annual
Fee
Total Interest & Fees* # Months to Pay Off Card Bottom Line Balance Transfer Estimated APR^
Barclaycard Ring™ Mastercard®
$0 + $656 + $0 =$656 18
Apply Now | Review
Our Rating:
No balance transfer fee and low ongoing APR; includes a unique profit sharing program
10.49%^
Simmons Rewards Visa® Signature
$0 + $744 + $0 =$744 18
Review
Our Rating:
Combines very low ongoing APR and no balance transfer fees with rewards program
11.75%^

*Please note that these results are estimates provided by NextAdvisor.com and are not endorsed or approved by the credit card issuers. Your actual APR may vary based on the credit card issuer's determination of your creditworthiness. Due to rounding, the Total Interest & Fees may not always be the sum of the Balance Transfer Fee, Total Interest Paid and Annual Fee. For our interest charge estimates we assumed that all cards use the Average Daily Balance interest charge calculation method. We further assumed 30 days in each period. The formula used was Interest Charges = Avg Daily Balance * APR/360 days * 30 days. The Balance Transfer fees were also estimated based on the terms and conditions indicated by each provider. If there were any introductory Balance Transfer fee terms, we assumed those applied and that the user transferred their balance during this period. We assumed any Annual Fees were billed in the first month of card ownership and every 12 months thereafter. Note that each card has its own terms and conditions for balance transfers and interest change calculations that may differ from what we have here. Check your cardholder agreement as your terms and conditions may differ. In general, cardholders may not transfer more than their approved credit limit for that card.

^Balance Transfer APR rates have been estimated, based on the APR rate information we have for each individual card. Your Balance Transfer APR may differ.


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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.

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