Best Balance Transfer Credit Cards

Benefits: This card just upped its game, extending the intro APR period, making it one of the best balance transfer cards now available.

Take advantage of extra-long intro APR on purchases and balance transfers with this $0 annual fee card. Finance a new purchase with generous 0% Intro APR for 21 billing cycles for purchases then 14.99% - 25.99% Variable APR . That means no monthly interest charges will pile up during the promo period. Plus, stop paying high interest charges with 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days then 14.99% - 25.99% Variable APR on balance transfers.

The Bottom Line: This easy-to-use card gives you tools to regain control over your financial life and puts time on your side to pay down debt faster. Unlike some other cards, there is no penalty APR. That means a late payment won’t automatically raise your interest rate. This card might not have a huge suite of flashy rewards, but if you're looking to save money on interest charges the BankAmericard^® credit card is hard to beat.

Benefits: This credit card has an intro APR of 0% intro APR for 18 months on Balance Transfers, then 18.24% - 28.49% (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 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 17.49% - 26.49% 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. 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: 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 on purchases, followed by an ongoing 17.49%, 23.99%, or 28.24% 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 a super valuable intro APR period on purchases.

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 16.49% - 27.24% (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 16.49% - 27.24% (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 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 18.24% - 27.74% Variable APR. Plus, you get flexibility with 0% Intro APR on Purchases for 15 months, with 18.24% - 27.74% 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 balance 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: 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. You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply. On top of that, your rewards could add up fast when you factor in this card's top-of-the-line rewards program. 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.

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 19.49%-28.49% 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 19.49%-28.49% 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.