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15 Best balance transfer cards of October 2024

Updated October 04, 2024

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.

15 Best balance transfer cards of October 2024

Updated October 04, 2024

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.

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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)
Apply nowLock
on Citi's secure site
See Rates & Fees

Balance transfer intro APR

0% for 21 months on Balance Transfers

Regular APR

18.74% - 29.49% (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 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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on Wells Fargo's secure site
See Rates & Fees

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

Best for long-term value

Citi Double Cash® Card

Bankrate score

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4.1
Bankrate review
Recommended credit score:(670 - 850)
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on Citi's secure site
See Rates & Fees

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.

Best for welcome offer

Discover it® Chrome

Bankrate score

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4.0
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Discover's secure site
See Rates & Fees

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.

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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on Citi's secure site
See Rates & Fees

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

Blue Cash Everyday® Card from American Express

Bankrate score

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4.6
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on American Express's secure site
See Rates & Fees, Terms Apply

Balance 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.

Best for dining

Chase Freedom Unlimited®

Bankrate score

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

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.

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)
Apply nowLock
on American Express's secure site
See Rates & Fees, Terms Apply

Balance 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.

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)
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

18.74% - 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.

Best for late payment fee forgiveness

TD FlexPay Credit Card

Bankrate score

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4.1
Bankrate review
See Terms
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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.

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.

Best for flexibility

Citi Custom Cash® Card

Bankrate score

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4.4
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Citi's secure site
See Rates & Fees

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.

Best for flat-rate cash rewards

Wells Fargo Active Cash® Card

Bankrate score

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4.3
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Wells Fargo's secure site
See Rates & Fees

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

Best for customizable rewards

Bank of America® Customized Cash Rewards credit card

Bankrate score

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4.1
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

18.74% - 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.

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
See Rates & Fees

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

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

18.74% - 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.

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

15.74% - 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.

Best credit union balance transfer card

Gold Visa® Card

Gold Visa® Card

Bankrate score

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star iconstar iconstar iconstar iconstar icon
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 card.

compare
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
Intro Offer: N/A
Regular APR: 18.74% - 29.49% (Variable)

4.5 / 5

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(Read card review)
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on Citi's secure site

Long balance transfer period

21 months 0% intro APR for 21 months from account opening on qualifying balance transfers
Intro Offer: N/A
Regular APR: 17.74%, 24.24%, or 29.49% Variable APR

4.3 / 5

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(Read card review)
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on Wells Fargo's secure site

Long-term value

18 months 0% intro for 18 months on Balance Transfers
Intro Offer: $200 cash back
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Regular APR: 18.74% - 28.74% (Variable)

4.1 / 5

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on Citi's secure site

Welcome offer

18 months 0% for 18 months
Intro Offer: Cashback Match
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Regular APR: 17.74% - 27.74% Variable APR

4.0 / 5

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(Read card review)
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on Discover's secure site

Excellent credit

21 months 0% for 21 months on Balance Transfers
Intro Offer: N/A
Regular APR: 17.74% - 28.49% (Variable)

4.1 / 5

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(Read card review)
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Everyday spending

15 months 0% on balance transfers for 15 months
Intro Offer: Earn $200
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Regular APR: 18.74%-29.74% Variable

4.6 / 5

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(Read card review)
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on American Express's secure site
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Dining

15 months 0% Intro APR on Balance Transfers for 15 months
Intro Offer: Up to $300 cash back
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Regular APR: 20.49% - 29.24% Variable

4.8 / 5

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(Read card review)
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on Chase's secure site

Groceries

12 months 0% on balance transfers for 12 months
Intro Offer: Earn $250
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Regular APR: 18.74%-29.74% Variable

4.4 / 5

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(Read card review)
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on American Express's secure site
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Travel 

15 billing cycles 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.
Intro Offer: 25,000 points
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Regular APR: 18.74% - 28.74% Variable APR on purchases and balance transfers

4.2 / 5

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(Read card review)
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on Bank of America's secure site

Late fee forgiveness

18 billing cycles 0% introductory APR balance transfers for first 18 billing cycles after account opening.
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

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(Read card review)
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on TD Bank's secure site

Flexibility

15 months 0% for 15 months on balance transfers
Intro Offer: $200
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Regular APR: 18.74% - 28.74% (Variable)

4.4 / 5

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Flat-rate cash back

12 months 0% intro APR for 12 months from account opening on qualifying balance transfers
Intro Offer: $200 cash rewards
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Regular APR: 19.74%, 24.74%, or 29.74% Variable APR

4.3 / 5

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(Read card review)
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on Wells Fargo's secure site

Customizable rewards

15 billing cycles 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.
Intro Offer: $200
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Regular APR: 18.74% - 28.74% Variable APR on purchases and balance transfers

4.1 / 5

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(Read card review)
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on Bank of America's secure site