Best Balance Transfer Credit Cards

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 17.74% - 28.49% (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 17.74% - 28.49% (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: 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 19.74%, 24.74%, or 29.74% 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 19.74%, 24.74%, or 29.74% 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: This credit card has an intro APR of 0% intro APR for 18 months on Balance Transfers, then 18.74% - 28.74% (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: The Citi Custom Cash^® Card is one of the most innovative cards on the market, offering a rewards program that tailors itself to your spending habits and over a year of 0% intro APR on purchases and balance transfers. It all starts with the incredible suite of cash back rewards. Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026. Unlike many cards that require you to go in and manually select a top cash back category, this card automatically determines the category where you’ve spent the most and applies the highest rate of cash back return, ensuring you’ll always be maximizing your earning potential. And it only gets better for new customers. Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

The Citi Custom Cash^® Card also makes for a great everyday card if you have a large purchase on the horizon or are looking to transfer high interest credit card debt. You’ll get 0% intro APR for 15 months on Purchases, then 18.74% - 28.74% (Variable) APR based on creditworthiness. It's the same for balance transfers: 0% intro APR for 15 months on Balance Transfers, then 18.74% - 28.74% (Variable) APR after that intro period is up. Even better, this card also sports a $0 annual fee.

The Bottom Line: This card really surprised us with its unique and innovative rewards program, and its extensive suite of other features make it one you shouldn’t miss. If don’t want to bother with remembering to enable your rotating cash back categories, this is the ideal card for you.

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 17.74%, 24.24%, or 29.49% 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: Take advantage of 0% intro APR for 15 months on Purchases then 18.24% - 28.24% (variable) APR after the intro period. You also get 0% intro APR for 15 months on Balance Transfers,and then 18.24% - 28.24% (variable) APR after that. 

Earn more points on every purchase (even the little ones). The Citi Rewards+^® Card is the only card that automatically rounds up every purchase to the nearest 10 points. That means when you buy a $2 coffee, you’d earn 10 points back. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025. There is a low spending requirement to earn the sign-up bonus. Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com.

The Bottom Line: This attractive new rewards card from Citi includes long zero intro interest on both purchases and balance transfers, a nice sign-up bonus all with $0 annual fee. This is a great everyday rewards card with an attractive balance transfer offer.

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 19.99% - 28.74% Variable APR. Plus, you get flexibility with 0% Intro APR on Purchases for 15 months, with 19.99% - 28.74% 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: 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 18.74% - 27.74% Variable APR after the intro period. And on top of the appealing 0% intro APR offer, there's a valuable end-of-year bonus 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. Just a dollar-for-dollar match..

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: Imagine getting almost two years with 0% intro interest on a balance transfer. Reshape your financial picture with this industry-leading low-interest card from Citi.

For people who want to kick high-interest credit card debt to the curb, this is one of the best get-out-of-debt cards available. Transfer your high interest debt to this card with an intro APR of 0% intro APR for 21 months on Balance Transfers; after that, an APR of 18.74% - 29.49% (Variable) applies. Your payments will go directly to paying down your balance for nearly two years. That could save you hundreds of dollars in interest. Plus, you will get generous intro APR of 0% intro APR for 12 months on Purchases, then 18.74% - 29.49% (Variable) APR after that. Citi keeps it simple. It’s the only card with no late fees, no penalty rate, and $0 annual fee. If you’re one to forget about a payment or two, this card is perfect for you.

Bottom Line: With its long-term 0% intro APR you could save hundreds in interest charges and pay off your debt faster. If you forget a payment, this card can save you money with $0 late fees, most credit cards charge around $35 for a late payment fees. Citi Simplicity^® Card has one of the longest intro APR periods available and is one of the easiest credit cards to use.

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 18.49%-29.49% 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: Finding a balance transfer card that also earns travel rewards points can be a tall order, but this card makes it happen. You get 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, and then 18.74% - 28.74% Variable APR on balance transfers after the intro period. Wondering where the travel rewards come in? You get 1.5 points per $1 spent on all purchases. Unlike other cards in this category though, this one lets you use your points to cover a wide range of travel purchases. You can redeem points for a statement credit to pay for travel or dining purchases, including flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.

The Bottom Line: If you want to pay down debt now with a balance transfer, but you also want a card that lets you earn rewards for a vacation in the future, this is your card. Plus, who doesn’t love a high-value card with a $0 annual fee.

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 and then 18.74% - 28.74% 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 18.74% - 28.74% Variable APR on balance transfers after that intro period is up.

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: 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 18.49%-29.49% 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 18.49%-29.49% 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.