15 Best balance transfer cards of December 2024
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- Best overall: Citi Simplicity® Card
- Best for long balance transfer intro APR: Wells Fargo Reflect® Card
- Best for dining: Chase Freedom Unlimited®
- Best for excellent credit: Citi® Diamond Preferred® Card
- Best for encouraging payments: Citi Double Cash® Card
- Best for welcome offer: Discover it® Chrome
- Best for groceries: Blue Cash Preferred® Card from American Express
- Best for everyday spending: Blue Cash Everyday® Card from American Express Card
- Best for travel: Bank of America® Travel Rewards credit card
- Best for automatic bonus categories: Citi Custom Cash® Card
- Best for late payment fee forgiveness: TD FlexPay Credit Card
- Best for unlimited cash rewards: 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 17 results
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.
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.
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.
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.
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.
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.
on American Express's secure site
See Rates & Fees, Terms ApplyBalance 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
on American Express's secure site
See Rates & Fees, Terms ApplyBalance 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.
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).
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.
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.
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
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.
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
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.
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.
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 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
|
|---|---|---|---|---|
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No late fee + Best overall |
|
Regular APR: 18.49% - 29.24% (Variable)
|
4.5 / 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
|
|
|
Long balance transfer intro APR |
|
Regular APR: 17.49%, 23.99%, or 29.24% 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
|
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Dining |
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Regular APR: 19.74% - 28.49% 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
|
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