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Balance Transfer Credit Cards
Looking for a better way to pay off high-interest credit card debt? A balance transfer might be the secret weapon you’ve been looking for. Compare our recommended balance transfer credit cards from our partners below and start your journey to becoming debt-free.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
- Annual Fee $0
- Regular APR 20.24%-29.24% Variable
-
Rewards Rate1% - 3% cash back
- Earn 3% cash back at U.S. supermarkets, on U.S. online retail purchases, and at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%).
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Credit Needed Good / Excellent
The Bottom Line
The Blue Cash Everyday® Card from American Express is a robust card with no annual fee. There is a great welcome offer, and you get the exceptional service you’d expect with any Amex credit card. To see rates & fees for Blue Cash Everyday® Card from American Express, please click here.
Our Take
The Good
With no annual fee, generous rewards rates, and the welcome offer, this is a great card for any consumer. You'll also receive the legendary American Express perks and customer service.
The Not So Good
Outside of the the special bonus categories, you only earn 1% cash back on purchases.
Card Details
- Click APPLY NOW to apply online.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at Disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Rates & Fees
68,965 users have viewed this card in the last 30 days.
- Annual Fee $0
- Regular APR 18.24% - 28.24% (Variable)
-
Rewards Rate2% - 5% cash back
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$200
-
Est. Monthly Rewards
$127
-
Est. First Year Rewards
$1,723
The Bottom Line
The Citi Double Cash® Card is great for those wanting to earn cash back on all purchases without having to worry about rotating categories and for those who carry a balance.
Our Take
The Good
To start, Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. This card is also great for those wanting to pay no interest on balance transfers for 18 months.
The Not So Good
While the lengthy 0% intro APR period for balance transfers is appealing, there’s no intro APR period for purchases, which many other cards in this category offer.
Card Details
- Click APPLY NOW to apply online.
- 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.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Rates & Fees
- Annual Fee $0
- Regular APR 17.24% - 27.99% (Variable)
-
Rewards RateN/A
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
This card is a great choice for those looking to save by avoiding considerable interest rate expenses on high card balances.
Our Take
The Good
This card offers an industry-leading promotional intro period that could save you hundreds if you're currently stuck under high interest credit card debt.
The Not So Good
If you are interested in cash back or rewards, this card isn't for you.
Card Details
- Click APPLY NOW to apply online.
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 17.24% - 27.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- 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.
- No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
- Rates & Fees
- Annual Fee $0
- Regular APR 19.24% - 29.24% (Variable)
-
Rewards Rate1X - 5X points
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com
- Earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
- Earn 2 ThankYou® Points for each $1 spent at Restaurants
- Earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$300$300
-
Est. Monthly Rewards
$100$100
-
Est. First Year Rewards
$1,502$1,502
The Bottom Line
If you’re looking for a strong top-of-wallet card that earns points quickly, this is a strong choice. And if you plan to book travel using Citi Travel®, the card is even more valuable.
Our Take
The Good
We think the rewards rate for this card is impressive — you can easily rack up ThankYou® Points on a wide range of frequent purchase categories. Plus, the welcome offer is pretty easy to achieve, and you get an intro APR period on both purchases and balance transfers.
The Not So Good
We like that this card offers a self-selected choice category to earn more points, but the categories aren’t wildly expansive.
Card Details
- Click APPLY NOW to apply online.
- For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
- Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
- No Annual Fee
- Rates & Fees
- Annual Fee $0
- Regular APR 17.24%, 23.74%, or 28.99% Variable APR
-
Rewards RateNone
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
If you need as much breathing room as possible, the Wells Fargo Reflect® Card, an industry-leading low interest card, may be right for you.
Our Take
The Good
The Wells Fargo Reflect® Card offers 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then 17.24%, 23.74%, or 28.99% Variable APR– that’s about as good as you’re going to find out on the market today.
The Not So Good
Beyond the (admittedly exceptional) 0% intro APR programs, this card doesn’t have a whole lot else on offer, like a top-shelf rewards program or welcome offer.
Card Details
- Click APPLY NOW to apply online.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
- Rates & Fees
- Annual Fee $0
- Regular APR 18.99% - 28.49% Variable
-
Rewards Rate1.5% - 5% cash back
- 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
- Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
- Earn 1.5% on all other purchases
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$200
-
Est. Monthly Rewards
$98
-
Est. First Year Rewards
$1,378
The Bottom Line
This card earns consistent rewards on every purchase and it also comes with no annual fee and a nice intro APR on purchases.
Our Take
The Good
The sign up bonus for this card can help you seriously boost your cash back rewards in the first year, and you'll also earn a better than average rewards rate on all purchases.
The Not So Good
The ongoing APR is a little higher than normal, so it's best to avoid carrying a balance with this credit card. Also, there is a foreign exchange fee of 3% of each transaction in U.S. dollars, so you may want to refrain from using this card overseas.
Card Details
- Click APPLY NOW to apply online.
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 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.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
- Rates & Fees
- Annual Fee $0
- Regular APR 18.24% - 28.24% Variable APR
-
Rewards Rate1% - 6% cash back
- Earn 6% cash back for the first year in the category of your choice on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn unlimited 1% thereafter.
- Earn 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn unlimited 1% thereafter.
- After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum
- Earn unlimited 1% cash back on all other purchases
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$200
-
Est. Monthly Rewards
$48
-
Est. First Year Rewards
$771
The Bottom Line
The Bank of America® Customized Cash Rewards credit card is a good rewards card that offers a chance to earn fantastic cash rewards rates on your spending.
Our Take
The Good
If earning cash back is your goal, the Bank of America® Customized Cash Rewards credit card is a good option for you. You can earn cash back on everything you buy and receive it in fast, easy, convenient ways and rewards do not expire as long as your account remains open.
The Not So Good
It’s a solid rewards card, but if you like to travel overseas, be aware that transactions made in a foreign currency are subject to a heavy surcharge of 3%.
Card Details
- Click APPLY NOW to apply online.
- New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now
40,797 users have viewed this card in the last 30 days.
- Annual Fee $0
- Regular APR 18.24% - 27.24% Variable APR
-
Rewards Rate1% - 2% cash back
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
N/A
-
Est. Monthly Rewards
N/A
-
Est. First Year Rewards
N/A
The Bottom Line
The Discover it® Chrome credit card has an excellent rewards program, a nice intro APR and very few fees. If you’re trying to earn extra rewards for restaurant and gas purchases, this card is a great choice!
Our Take
The Good
Cardholders won’t have to pay an annual fee and will 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 Cash back doesn't expire and can be redeemed for any amount.
The Not So Good
The top rewards categories cap out at $1,000 in combined purchases per quarter.
Card Details
- Click APPLY NOW to apply online.
- INTRO OFFER: 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.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 18.24% to 27.24% Standard Variable APR applies, based on credit worthiness.
- Redeem cash back for any amount
- No annual fee.
- Terms and conditions apply.
- Rates & Fees
- Annual Fee $0
- Regular APR 11.15% to 25.15% variable
-
Rewards RateN/A
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
Credit cards don't get much simpler than this. There's no fancy rewards program, but cardholders could potentially save a lot of money with the low interest rates offered on this card.
Our Take
The Good
You'll be hard-pressed to find a card with a lower ongoing APR for purchases, balance transfers, and cash advances. Plus there's no annual fee, no foreign transaction fees and no penalty rate.
The Not So Good
If you want to earn rewards on your purchases, this card isn't for you.
Card Details
- Click APPLY NOW to apply online.
- Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
- Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 11.15% to 25.15% will apply to introductory balances.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies. If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.
- No annual fee.
- No foreign transaction fees.
- 11.15% to 25.15% variable regular APR.
- See Rates and Fees for details.
- Rates & Fees
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.