balance transfers cards badgeThe Best Credit Cards
For Balance Transfers

If you’ve got several high-interest credit card or loan balances that seem to be taking too long to pay off, consider our list of best card to transfer a balance. These are cards that come with either a low fixed APR or 0% intro APR to give you time to pay off the balance without high interest rates getting in the way of your goal. Some charge no balance transfer fees while others offer a lower intro rate for longer. Check out the benefits of each card to find the one that meets your needs.

Barclaycard Ring Mastercard®

Barclaycard Ring MasterCard

apply for the chase slate balance transfer card

  • 0% Introductory APR for the first 15 months on purchases. Plus, you’ll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.99%.
  • No balance transfer fees.
  • No foreign transaction fee.
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad.
  • Free online access to FICO® Credit Score.

Balance Transfer Fee

$0

Intro APR

0% for 15 months on purchases and balance transfers

Ongoing APR

13.99% variable

Annual Fee

$0

Chase Slate®

chase slate card front

apply for the chase slate balance transfer card

  • Chase Slate named “Best Credit Card for Balance Transfers” four years in a row by MONEY Magazine.
  • Pay no balance transfer fee when you transfer a balance during the first 60 days of account opening.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that a variable APR of 15.99% – 24.74% will apply.
  • Free Monthly FICO® Score and Credit Dashboard
  • No Penalty APR– Paying late won’t raise your interest rate (APR). All other account pricing and terms apply.
  • $0 Annual Fee 

Balance Transfer Fee

$0 intro within the first 60 days of account opening

Intro APR

0% on purchases and balance transfers for 15 months

Ongoing APR

15.99% – 24.74% variable

Annual Fee

$0

Citi Diamond Preferred® Card

citi diamond preferred credit card front

apply now for the citi simplicity card

  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 13.49% – 23.49% based upon your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • 24/7 access to Citi® Concierge – specially trained experts to assist with travel, shopping, dining & entertainment needs.
  • 24/7 access to Citi® Price Rewind – receive the difference in price on items you’ve already purchased if that item is found at a lesser price.
  • Citi® Private Pass® – enjoy special access to purchase tickets including presale and VIP packages.
  • Citi® Identity Theft Solutions – assists in getting your life back on track if your identity is ever compromised.
  • $0 liability on unauthorized charges to your account.
  • No annual fee.

Balance Transfer Fee

3% (min $5)

Intro APR

0% on purchases and balance transfers for 21 months

Ongoing APR

13.49%-23.49% variable

Annual Fee

$0

Citi Simplicity® Card

citi simplicity card front

apply now for the citi simplicity card

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee – EVER.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.49% – 24.49% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time, just say “representative” when you call, to enjoy fast personal help.
  • Choose your Payment Date – Enjoy the flexibility of choosing any available due date in the beginning, middle or end of the month.

Balance Transfer Fee

3% (min $5)

Intro APR

0% on purchases and balance transfers for 21 months

Ongoing APR

14.49% – 24.49% variable

Annual Fee

$0

BankAmericard® Credit Card

bank of america bankamericard front

apply now for bankamericard

  • 0% Intro APR for 15 billing cycles for purchases and balance transfers made in the first 60 days of account opening, then a variable APR of 12.99% – 22.99% will apply.
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies.
  • No annual fee
  • No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
  • If you apply for a card over the phone and are approved, our representatives can transfer your balance over the phone

Balance Transfer Fee

3.00% (min $10)

Intro APR

0% on purchases and balance transfers for the first 15 billing cycles

Ongoing APR

12.99%-22.99% variable

Annual Fee

$0

Chase Freedom®

chase freedom card new alternate front

apply now for the amex everyday card from american express

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period.
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 15.99%-24.74%.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
  • Enjoy new 5% categories every 3 months like Gas Stations, Restaurants, and Select Grocery Stores.
  • Unlimited 1% cash back on all other purchases — it’s automatic.
  • Cash Back rewards never expire as long as your account is open.
  • No annual fee.

Balance Transfer Fee

5% (min. $5)

Intro APR

0% on purchases and balance transfers for 15 months

Ongoing APR

15.99%-24.74% variable

Annual Fee

$0

Citi® Double Cash Card

citi double cash credit card image

apply now for the amex everyday card from american express

  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% – 24.49% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • 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 in full or over time.
  • No caps on the amount of cash back you earn and no Category restrictions.
  • No annual fee.
  • Balance Transfers do not earn cash back.

Balance Transfer Fee

3% (min $5)

Intro APR

0% on balance transfers for 18 months

Ongoing APR

14.49% – 24.49% variable

Annual Fee

$0

The Amex EveryDay® Credit Card from American Express

american express everyday card

apply now for the amex everyday card from american express

  • Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 2X points at US supermarkets, on up to $6,000 per year in purchases (then 1X); 1X points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 15.99% to 23.99%, based on your creditworthiness and other factors.
  • Visit our credit card partner’s site in order to learn more and securely apply for The Amex EveryDay® Credit Card from American Express

Balance Transfer Fee

3% (min $5)

Intro APR

0% on purchases and balance transfers for 12 months

Ongoing APR

15.99%-23.99% variable

Annual Fee

$0

* See the online Provider’s credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply” button, you can review the credit card terms and conditions on the provider’s website.