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Best Balance Transfer Credit Cards

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by Eric Rosenberg | Updated Mar. 28, 2017
We maintain strict editorial integrity in our writing and assessments.

Best Balance Transfer Credit Cards Overview

Advertiser Disclosure

The main draw for balance transfer credit cards is an obvious one: get out of paying interest on your credit card (and sometimes even loan) balances for a pre-defined period of time. On the top end, balance transfer cards can let pay no interest for up to 21 months and even waive the balance transfer fees! It's important not to misuse this opportunity to rack up more debt however-- better to think of balance transfers as a way to be debt-free quicker. To find out the best balance credit card offers out there, we used our credit card model to project how much the average credit card user in the U.S. could save in interest payments by transferring balances. This is often a combination of factors including the introductory balance transfer APR offer, the length of time the intro rate applies, and all applicable balance transfer fees.

Best All-Around Credit Card for Balance Transfers

More Details

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

Annual Fee

$0

Purchase Intro APR

0% APR for 15 Months

Balance Transfer Intro APR

0% APR for 15 Months

Regular APR

15.49% - 24.24% Variable

Best Balance Transfer Credit Card with Cash Back

More Details

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

0% APR for 18 Months

Regular APR

13.99% - 23.99% Variable

Best Balance Transfer Credit Card with Long 0% APR Period

More Details

  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.99%-22.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO® Scores*

Annual Fee

$0

Purchase Intro APR

0% APR for 21 Months

Balance Transfer Intro APR

0% APR for 21 Months

Regular APR

12.99% - 22.99% Variable

Best Balance Transfer Credit Card for Military Members

More Details

  • No annual fee, no foreign transaction fees, and no balance transfer fee
  • Auto rental insurance
  • Free Verified by Visa fraud protection
  • $0 fraud liability
  • Visa Checkout available for fast, secure online shopping
  • 24-hour travel & emergency assistance
  • Extended warranty program
  • Credit limits available up to $30,000

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

10.40% - 17.99% Variable

Honorable Mentions

BankAmericard® Credit Card

Why this card?

With the BankAmericard® Credit Card, you receive 0 intro APR on balance transfers for the first 18 billing cycles, followed by a 11.49% - 21.49% Variable APR on purchases and balance transfers APR once the 0 rate expires. While the BankAmericard® Credit Card does not come with any frills or rewards program, it is perfect for those who want a balance transfer card that they can use long-term. If you choose to transfer balances, you will pay 3% of the total amount you transfer as a fee. That means before you do anything, it’s a good idea to figure out if a balance transfer is right for you. If you feel the balance you currently have can be paid off in a couple months, then a balance transfer might not be the best option.

Annual Fee
$0
Pros
  • 0 intro APR on balance transfers for 18 billing cycles
  • No annual fee
Cons
  • No rewards program
  • 3% balance transfer fee
Qualifying Credit Score

More Details

  • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.49% - 21.49% Variable APR.
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
  • No annual fee
  • Saves you more on interest when you transfer balances from higher rate credit cards
  • $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • Access your FICO® Score for free within Online and Mobile Banking

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days

Regular APR

11.49% - 21.49% Variable APR on purchases and balance transfers

Our Methodology

SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing balance transfer credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

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Data provided by Informa Research Services and CJ Affiliate.
Advertiser Disclosure: The card offers that appear on this site are from companies from which SmartAsset receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SmartAsset does not include all card companies or all card offers available in the marketplace.
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