Best Balance Transfer Credit Cards

Benefits: If you’ve got a substantial expense looming on the horizon, the Wells Fargo Reflect^® Card has you covered with 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, followed by an ongoing 17.24%, 23.74%, or 28.99% Variable APR after that. 

This $0 annual fee card is an exceptional savings tool because it rewards you for what you should already be doing – promptly paying down your credit card debt – and with such generous windows on interest-free time to make that happen, you could end up saving hundreds of dollars in interest fees alone. If you’re looking to get out of debt without getting buried under a massive pile of fees, this could be just the card for you.

The Bottom Line: We're really excited about the Wells Fargo Reflect^® Card because it's laser-focused on just one thing: saving you money in the long run on interest charges by offering some of the longest periods of 0% intro APR on purchases and balance transfers you’ll find out on the market today.

Benefits: This $0 annual fee card towers above others with one of the longest periods of 0% intro APR on balance transfers available. Take advantage of an ultra-long intro APR of 0% intro APR for 21 months on Balance Transfers, then 17.24% - 27.99% (Variable) APR after that. And if you have a big purchase, event or trip coming up, the Citi^® Diamond Preferred^® Card comes with an amazing intro APR of 0% intro APR for 12 months on Purchases and then 17.24% - 27.99% (Variable) APR after that. Take up to a full year to pay down your balance without worrying about interest piling up. Plus, enjoy extra features that are usually only available on premium high-annual fee cards. Get free access to your FICO® score online. With Citi Entertainment, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.

The Bottom Line: This is a simple, yet very powerful credit card. If you are interested in transferring a balance to a 0% intro APR card, this is our highest rated card for anyone carrying a large balance. The extra interest-free time could allow you to make significantly more headway paying down your balance. With its long-term 0% intro APR you can save hundreds in interest charges.

Benefits: This credit card has an intro APR of 0% intro APR for 18 months on Balance Transfers, then 18.24% - 28.24% (Variable), and no annual fee. That’s not even the best part. This card earns you 1% cash back on everything with no limit, and another 1% when you pay off your bills at the end of the month!

Unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases makes this card one of the best credit cards for balance transfers and cash back rewards. It’s great for transferring high-interest debt, and getting cash back for any purchases without having to worry about rotating categories.

You can save over $800 in interest charges if you transfer $5,000 in interest accruing charges at a 20% APR. On top of that, if you spend $500 each month on common purchases you can earn $5 on purchase and another $5 when you pay it off. That’s $120 in annual rewards!

The Bottom Line: This card is an industry leader for cash back rewards with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. When you add in the intro APR of 0% intro APR for 18 months on Balance Transfers you’re looking at a very powerful card that you can use to save money on high-interest debt, then use as a cash rewards card afterwards. All of this make this card one of our most popular offers.

Benefits: Unlock a super-long 0% intro APR period with this valuable offering from Discover. New cardholders can take advantage of 0% Intro APR for 18 months for balance transfers, and then 18.24% - 27.24% Variable APR after the intro period. And on top of the appealing 0% intro APR offer, there's a valuable welcome offer for new cardholders and an appealing rewards rate. As a cardholder, you can earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically. You’ll also get the famous Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.

The Bottom Line: With a long 0% intro APR period on balance transfers, a powerful rewards rate, and a generous welcome offer, this card is a debt-fighting heavyweight. And did we mention the annual fee is $0?

Benefits: This balance transfer card comes with a generous on-going cash-back rewards. Use that cash-back to help pay down your debt faster. The Chase Freedom Unlimited^® card comes with a long 0% Intro APR on Balance Transfers for 15 months, followed by an ongoing 18.99% - 28.49% Variable APR. Plus, you get flexibility with 0% Intro APR on Purchases for 15 months, with 18.99% - 28.49% Variable APR after that intro period is up. The standout features that set this apart from other low interest offers are the rich cash rewards. With this card, enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases Just think how much faster you can pay down your balance with the big cash back rewards. The balance transfer fee is either $5 or 5% of the amount of each transfer, whichever is greater.

The Bottom Line: This is an enticing balance transfer offer, with a long 0% intro APR period. The cash-back gives you an extra boost and can help you reach your goal faster.

Benefits: The Bank of America^® Customized Cash Rewards credit card starts off with lengthy periods of 0% intro APR on purchases and balance transfers. Enjoy 0% Intro APR for 15 billing cycles for purchases on purchases, and then 18.24% - 28.24% Variable APR after that to help you pay off big ticket items without running up a large interest bill. And if you’re looking to consolidate debt, get 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days and then 18.24% - 28.24% Variable APR on balance transfers after that intro period is up. Balance transfers may not be used to pay any account provided by Bank of America.

But where this card really shines is in its unique three-tiered rewards program. You can earn 3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases. Plus, if you’re a new cardholder, $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. And since this card has no annual fee, you can maximize your rewards without having to worry about extra costs.

Bottom Line: The Bank of America^® Customized Cash Rewards credit card is one of our favorites because of its incredibly robust and flexible cash back program. If you find yourself wanting to switch up your spending frequently, this a card you shouldn’t pass up.

Benefits: The Blue Cash Preferred^® Card from American Express offers a financial one-two punch: a super-valuable rewards rate and a super-long intro APR period. As a new cardholder, you get 0% on balance transfers for 12 months, and then 20.24%-29.24% Variable after the intro period. That’s a full year to pay down your balance without accruing interest. And the rewards rate does not disappoint. You earn massive rewards on everyday purchases like gas, groceries, streaming services, and transit. With regular use, this card makes it easy to earn cash back*. It’s worth noting that there is a $0 intro annual fee for the first year, then $95. We think the fee after year one is pretty reasonable though, especially considering the ongoing value of the rewards rate.

The Bottom Line: The Blue Cash Preferred^® Card from American Express is great for meeting both short-term and long-term financial goals. With a full year of 0% intro APR, this card helps you reach the more immediate goal of paying off debt faster, without accruing more interest. And when you reach the one-year mark, the value doesn’t stop. You can earn massive cash-back rewards on everyday purchases, helping you meet your long-term savings goals.

*To see rates & fees for Blue Cash Preferred^® Card from American Express, please click here.

Benefits: The Wells Fargo Active Cash^® Card is an absolute game-changer in the rewards space with the most impressive unlimited cash rewards rate we’ve ever seen on a card with a $0 annual fee. It all starts with its headline feature: cardholders earn unlimited 2% cash rewards on purchases with no restrictions on categories and no expiration date on rewards. Let that sink in – no other card on the market today offers such a high rate of truly unlimited cash rewards. So if you’re looking for a no-maintenance card that can help you maximize your returns on every purchase you make, this is absolutely it.

But this $0-annual-fee card isn’t just good for rewards – it’s also an excellent way to mitigate the cost of a large expense or get out of debt. The Wells Fargo Active Cash^® Card offers a super-long 0% intro APR period on purchases: 0% intro APR for 12 months from account opening on purchases, then 19.24%, 24.24%, or 29.24% Variable APR after that intro period is up. And if you’re transferring a balance from a high-interest credit card, you can get the same period of 0% intro APR: 0% intro APR for 12 months from account opening on qualifying balance transfers, then 19.24%, 24.24%, or 29.24% Variable APR after that. This gives you incredible flexibility in covering life’s unexpected (and often expensive) developments, and with this card’s already industry-leading rewards program you can feel confident always having this card in your wallet.

The Bottom Line: This card’s high rate of unlimited cash rewards makes it unique among $0 annual fee cards – if you’re looking for the best unlimited cash rewards card on the market, you’ve found it.

Benefits: If you want to earn generous cash back* without an annual fee and you buy groceries and gas every week, this card could be a perfect match for you. Right out of the gate, new cardholders get access to an amazing welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.  On top of that, your rewards could add up fast when you factor in this card's top-of-the-line rewards program. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply.

But this card isn't just about rewards. You can save on interest with an intro purchase APR of 0% on purchases for 15 months then 20.24%-29.24% Variable APR after that - that long 0% APR period means you won't have to worry about interest charges piling up for more than a year. It's the same for balance transfers: 0% on balance transfers for 15 months, then 20.24%-29.24% Variable APR.

The Bottom Line: This is a valuable $0 annual fee cash back card that rewards you for things you buy every day - it's just that easy.

*To see rates & fees for Blue Cash Everyday^® Card from American Express, please click here.