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15 Best balance transfer cards of December 2024

Updated December 11, 2024

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Showing 17 results

Best overall

Citi Simplicity® Card

Bankrate score

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4.5
Bankrate review
Recommended credit score:(670 - 850)
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on Citi's secure site

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Balance transfer intro APR

0% for 21 months on Balance Transfers

Regular APR

18.49% - 29.24% (Variable)

Rewards rate

N/A

Annual fee

$0

Why you'll like this: It comes with one of the longest balance transfer offers on the market, and it’s one of the only cards that doesn’t charge late fees.

Best for long balance transfer intro APR

Wells Fargo Reflect® Card

Bankrate score

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4.3
Bankrate review
Recommended credit score:(670 - 850)
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Balance transfer intro APR

0% intro APR for 21 months from account opening on qualifying balance transfers

Regular APR

17.49%, 23.99%, or 29.24% Variable APR

Rewards rate

N/A

Annual fee

$0

Why you'll like this: It pairs one of the longest intro APR offers on the market with a lower-than-average ongoing interest rate.

Best for dining

Chase Freedom Unlimited®

Bankrate score

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4.8
Bankrate review
Recommended credit score:(670 - 850)
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on Chase's secure site

Balance transfer intro APR

0% Intro APR on Balance Transfers for 15 months

Regular APR

19.74% - 28.49% Variable

Rewards rate

1.5% - 5%

Annual fee

$0

Why you'll like this: Its exceptionally comprehensive reward categories can be a great tool for everyday spending alongside its intro APR offer.

Best for excellent credit

Citi® Diamond Preferred® Card

Bankrate score

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4.1
Bankrate review
Recommended credit score:(670 - 850)
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Balance transfer intro APR

0% for 21 months on Balance Transfers

Regular APR

17.49% - 28.24% (Variable)

Rewards rate

N/A

Annual fee

$0

Why you'll like this: Its balance transfer intro APR is one of the longest if you want a streamlined card with features that benefit from an excellent credit score.

Best for encouraging payments

Citi Double Cash® Card

Bankrate score

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4.2
Bankrate review
Recommended credit score:(670 - 850)
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Balance transfer intro APR

0% intro for 18 months on Balance Transfers

Regular APR

18.49% - 28.49% (Variable)

Rewards rate

1% - 5%

Annual fee

$0

Why you'll like this: It boasts an intro APR on par with several top balance transfer cards, plus it rewards your purchases with 1 percent when you buy and another 1 percent when you pay.

Best for welcome offer

Discover it® Chrome

Bankrate score

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4.0
Bankrate review
Recommended credit score:(670 - 850)
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on Discover's secure site

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Balance transfer intro APR

0% for 18 months

Regular APR

18.49% - 27.49% Variable APR

Rewards rate

1% - 2%

Annual fee

$0

Why you'll like this: It offers great short- and long-term value thanks to its combo of a welcome offer, ongoing rewards and an intro APR.

Best for groceries

Blue Cash Preferred® Card from American Express

Bankrate score

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4.4
Bankrate review
Recommended credit score:(670 - 850)
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on American Express's secure site

See Rates & Fees, Terms Apply

Balance transfer intro APR

0% on balance transfers for 12 months

APR

18.49%-29.49% Variable

Rewards rate

1% - 6%

Annual fee

$0 intro annual fee for the first year, then $95.

Why you'll like this: You can enjoy a best-in-class rewards rate on groceries as you pay off debt with its intro APR.

Best for everyday spending

Blue Cash Everyday® Card from American Express

Bankrate score

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4.6
Bankrate review
Recommended credit score:(670 - 850)
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on American Express's secure site

See Rates & Fees, Terms Apply

Balance transfer intro APR

0% on balance transfers for 15 months

APR

18.49%-29.49% Variable

Rewards rate

1% - 3%

Annual fee

$0

Why you'll like this: It gives you a chance to pay off debt while making the most of your everyday purchases.

Best for travel

Bank of America® Travel Rewards credit card

Bankrate score

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4.2
Bankrate review
Recommended credit score:(670 - 850)
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on Bank of America's secure site

Balance transfer intro APR

0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.

Regular APR

18.49% - 28.49% Variable APR on purchases and balance transfers

Rewards rate

1.5X

Annual fee

$0

Why you'll like this: It’s one of the only travel cards that helps you minimize interest and earn points on bookings (at a top flat rate via Preferred Rewards members).

Best for automatic bonus categories

Citi Custom Cash® Card

Bankrate score

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4.4
Bankrate review
Recommended credit score:(670 - 850)
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on Citi's secure site

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Balance transfer intro APR

0% for 15 months on balance transfers

Regular APR

18.49% - 28.49% (Variable)

Rewards rate

1% - 5%

Annual fee

$0

Why you'll like this: You can save on interest and earn cash back as this card automatically rewards your highest eligible spending category.

Only Available in 15 East Coast States and D.C.

Best for late payment fee forgiveness

TD FlexPay Credit Card

Bankrate score

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4.1
Bankrate review
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on TD Bank's secure site

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Balance transfer intro APR

0% introductory APR balance transfers for first 18 billing cycles after account opening. After that 18.74% - 28.74% variable APR based on your creditworthiness.

Regular APR

18.74%, 20.74%, 23.74%, 26.74% or 28.74% variable APR based on your creditworthiness.

Rewards rate

N/A

Annual fee

None

Why you'll like this: Your first late fee is refunded every 12 billing cycles, so it’s a safer choice if you’re worried about keeping up with payments.

Best for unlimited cash rewards

Wells Fargo Active Cash® Card

Bankrate score

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4.3
Bankrate review
Recommended credit score:(670 - 850)
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on Wells Fargo's secure site

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Balance transfer intro APR

0% intro APR for 12 months from account opening on qualifying balance transfers

Regular APR

19.49%, 24.49%, or 29.49% Variable APR

Rewards rate

2%

Annual fee

$0

Why you'll like this: This is a well-rounded starter card with a decent intro APR offer, unlimited flat-rate rewards and no annual fee.

Best for customizable rewards

Bank of America® Customized Cash Rewards credit card

Bankrate score

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4.3
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Bank of America's secure site

Balance transfer intro APR

0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.

Regular APR

18.49% - 28.49% Variable APR on purchases and balance transfers

Rewards rate

1% - 3%

Annual fee

$0

Why you'll like this: With its easy-to-earn bonus, solid intro APR offers and customizable rewards, it offers short- and long-term flexibility and value.

Best for low interest

USAA Rate Advantage Credit Card

Bankrate score

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3.0
Bankrate review
Recommended credit score:(670 - 850)
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on USAA's secure site

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Balance transfer intro APR

0% intro APR for 15 months on balance transfers, then 11.40% to 25.40% variable regular APR

Regular APR

11.40% to 25.40% variable

Rewards rate

N/A

Annual fee

$0

Why you'll like this: You have a chance at a lower-than-average ongoing APR, which could help you save on interest even after your intro APR period ends.

Best for simplicity

Bank of America® Unlimited Cash Rewards credit card

Bankrate score

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3.8
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Bank of America's secure site

Balance transfer intro APR

0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.

Regular APR

18.49% - 28.49% Variable APR on purchases and balance transfers

Rewards rate

1.5%

Annual fee

$0

Why you'll like this: You can save on interest with its intro APR and enjoy long-term value thanks to its $0 annual fee and solid flat rewards rate.

Best for low-cost balance transfers

BankAmericard® credit card

BankAmericard® credit card

Bankrate score

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4.8
Bankrate review
Recommended credit score:(670 - 850)

Balance transfer intro APR

0% Intro APR for 18 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.

Regular APR

15.49% – 25.49% Variable APR on purchases and balance transfers

Rewards rate

N/A

Annual fee

$0

Why you'll like this: You can enjoy a solid intro APR on both purchases and balance transfers, a low transfer fee and a chance at lower-than-average ongoing APR.

Best credit union balance transfer card

Gold Visa® Card

Gold Visa® Card

Bankrate score

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3.6
Bankrate review
Recommended credit score:(670 - 850)

Balance transfer intro APR

0% Balance Transfers Promo APR for 15 months

Regular APR

17.99% Variable APR

Rewards rate

N/A

Annual fee

$0

Why you'll like this: You can take advantage of one of the lowest ongoing APRs if you’re not sure you’ll qualify for the minimum rate of other balance transfer cards.

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Compare

Compare Bankrate's best 0% balance transfer credit cards

Card Name Bankrate's pick for
0% balance transfer intro APR period
Card highlights
Bankrate Review Score

No late fee + Best overall

21 months 0% for 21 months on Balance Transfers
Regular APR: 18.49% - 29.24% (Variable)

4.5 / 5

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Long balance transfer intro APR

21 months 0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR: 17.49%, 23.99%, or 29.24% Variable APR

4.3 / 5

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Dining

15 months 0% Intro APR on Balance Transfers for 15 months
Regular APR: 19.74% - 28.49% Variable

4.8 / 5

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