15 Best balance transfer cards of October 2024
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Reviewed by
Edited by
Reviewed by
Advertiser Disclosure: The listings that appear on the website are from credit card companies from which Bankrate receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Here's an explanation for and how we rate our cards.
- Best overall: Citi Simplicity® Card
- Best for long balance transfer intro APR: Wells Fargo Reflect® Card
- Best for long-term value: Citi Double Cash® Card
- Best for welcome offer: Discover it® Chrome
- Best for excellent credit: Citi® Diamond Preferred® Card
- Best for everyday spending: Blue Cash Everyday® Card from American Express Card
- Best for dining: Chase Freedom Unlimited®
- Best for groceries: Blue Cash Preferred® Card from American Express
- Best for travel: Bank of America® Travel Rewards credit card
- Best for late payment fee forgiveness: TD FlexPay Credit Card
- Best for flexibility: Citi Custom Cash® Card
- Best for flat-rate cash back: Wells Fargo Active Cash® Card
- Best for customizable rewards: Bank of America® Customized Cash Rewards credit card
- Best for low interest: USAA Rate Advantage Credit Card
- Best for simplicity: Bank of America® Unlimited Cash Rewards credit card
- Best for low-cost balance transfers: BankAmericard® credit card
- Best credit union card: Gold Visa® Card
15 Best balance transfer cards of October 2024
Edited by
Reviewed by
Edited by
Reviewed by
Advertiser Disclosure: The listings that appear on the website are from credit card companies from which Bankrate receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Here's an explanation for and how we rate our cards.
- Best overall: Citi Simplicity® Card
- Best for long balance transfer intro APR: Wells Fargo Reflect® Card
- Best for long-term value: Citi Double Cash® Card
- Best for welcome offer: Discover it® Chrome
- Best for excellent credit: Citi® Diamond Preferred® Card
- Best for everyday spending: Blue Cash Everyday® Card from American Express Card
- Best for dining: Chase Freedom Unlimited®
- Best for groceries: Blue Cash Preferred® Card from American Express
- Best for travel: Bank of America® Travel Rewards credit card
- Best for late payment fee forgiveness: TD FlexPay Credit Card
- Best for flexibility: Citi Custom Cash® Card
- Best for flat-rate cash back: Wells Fargo Active Cash® Card
- Best for customizable rewards: Bank of America® Customized Cash Rewards credit card
- Best for low interest: USAA Rate Advantage Credit Card
- Best for simplicity: Bank of America® Unlimited Cash Rewards credit card
- Best for low-cost balance transfers: BankAmericard® credit card
- Best credit union card: Gold Visa® Card
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Showing 16 results
Balance transfer intro APR
0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR
17.74%, 24.24%, or 29.49% 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.
Balance transfer intro APR
0% intro for 18 months on Balance Transfers
Regular APR
18.74% - 28.74% (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 a flat rewards rate for exceptionally more long-term value.
Balance transfer intro APR
0% for 18 months
Regular APR
17.74% - 27.74% 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.
Balance transfer intro APR
0% for 21 months on Balance Transfers
Regular APR
17.74% - 28.49% (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 everyday spending
on American Express's secure site
See Rates & Fees, Terms ApplyBalance transfer intro APR
0% on balance transfers for 15 months
APR
18.74%-29.74% 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.
Balance transfer intro APR
0% Intro APR on Balance Transfers for 15 months
Regular APR
20.49% - 29.24% 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.
on American Express's secure site
See Rates & Fees, Terms ApplyBalance transfer intro APR
0% on balance transfers for 12 months
APR
18.74%-29.74% 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.
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
18.74% - 28.74% 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).
Only Available in 15 East Coast States and D.C.
Balance transfer intro APR
0% introductory APR balance transfers for first 18 billing cycles after account opening.
Regular APR
19.24%, 21.24%, 24.24%, 27.24% or 29.24% 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.
Balance transfer intro APR
0% for 15 months on balance transfers
Regular APR
18.74% - 28.74% (Variable)
Rewards rate
1% - 5%
Annual fee
$0
Why you'll like this: You can save on interest without having to adapt your spending for reward categories.
Balance transfer intro APR
0% intro APR for 12 months from account opening on qualifying balance transfers
Regular APR
19.74%, 24.74%, or 29.74% 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, flat-rate rewards and no annual fee.
Best for customizable rewards
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
18.74% - 28.74% 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 flexibility and value in both the short and long term.
Balance transfer intro APR
0% intro APR for 15 months on balance transfers, then 12.15% to 26.15% variable regular APR
Regular APR
12.15% to 26.15% 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
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
18.74% - 28.74% 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.
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
15.74% - 25.74% Variable APR on purchases and balance transfers
Rewards rate
N/A
Annual fee
$0
Why you'll like this: You can enjoy of a solid intro APR on both purchases and balance transfers, a low transfer fee and a chance at lower-than-average ongoing APR.
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 card.
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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 |
|
Intro Offer: N/A
Regular APR: 18.74% - 29.49% (Variable)
|
|
|
Long balance transfer period |
|
Intro Offer: N/A
Regular APR: 17.74%, 24.24%, or 29.49% Variable APR
|
4.3 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Wells Fargo's secure site
|
|
|
Long-term value |
|
Intro Offer: $200 cash back
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.
Regular APR: 18.74% - 28.74% (Variable)
|
4.1 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Citi's secure site
|
|
|
Welcome offer |
|
Intro Offer: Cashback Match
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. Just a dollar-for-dollar match.
Regular APR: 17.74% - 27.74% Variable APR
|
4.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Discover's secure site
|
|
|
Excellent credit |
|
Intro Offer: N/A
Regular APR: 17.74% - 28.49% (Variable)
|
4.1 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Citi's secure site
|
|
|
Everyday spending |
|
Intro Offer: Earn $200
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Regular APR: 18.74%-29.74% Variable
|
4.6 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on American Express's secure site
See Rates & Fees
, Terms Apply
|
|
|
Dining |
|
Intro Offer: Up to $300 cash back
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Regular APR: 20.49% - 29.24% Variable
|
4.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Chase's secure site
|
|
|
Groceries |
|
Intro Offer: Earn $250
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Regular APR: 18.74%-29.74% Variable
|
4.4 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on American Express's secure site
See Rates & Fees
, Terms Apply
|
|
|
Travel |
|
Intro Offer: 25,000 points
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Regular APR: 18.74% - 28.74% Variable APR on purchases and balance transfers
|
4.2 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Bank of America's secure site
|
|
|
Late fee forgiveness |
|
Intro Offer: N/A
Regular APR: 19.24%, 21.24%, 24.24%, 27.24% or 29.24% variable APR based on your creditworthiness.
|
4.1 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on TD Bank's secure site
|
|
|
Flexibility |
|
Intro Offer: $200
Earn $200 in cash back after you spend $1500 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.
Regular APR: 18.74% - 28.74% (Variable)
|
4.4 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Citi's secure site
|
|
|
Flat-rate cash rewards |
|
Intro Offer: $200 cash rewards
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Regular APR: 19.74%, 24.74%, or 29.74% Variable APR
|
4.3 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Wells Fargo's secure site
|
|
|
Customizable rewards |
|
Intro Offer: $200
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Regular APR: 18.74% - 28.74% Variable APR on purchases and balance transfers
|
4.3 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Bank of America's secure site
|
|
|
Low interest |
|
Intro Offer: N/A
Regular APR: 12.15% to 26.15% variable
|
3.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on USAA's secure site
|
|
|
Simplicity |
|
Intro Offer: $200
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Regular APR: 18.74% - 28.74% Variable APR on purchases and balance transfers
|
3.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Bank of America's secure site
|
|
|
No penalty APR |
|
Intro Offer: N/A
Regular APR: 15.74% - 25.74% Variable APR on purchases and balance transfers
|
|
|
Credit union card |
|
Intro Offer: N/A
Regular APR: 17.99% Variable APR
|
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