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13 Best balance transfer cards of June 2024

Updated June 13, 2024

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A balance transfer credit card can help you manage and eliminate debt with introductory APR offers that provide a temporary break from interest charges. The best balance transfer credit cards available from our partners have introductory 0 percent APR offers lasting 15 to 21 months, allowing you to avoid paying interest on a transfer until mid-2025.

Read on to learn more about our picks for the best balance transfer cards of May 2024.

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Best for long balance transfer period

Bankrate score

Rating: 4.3 stars out of 5
4.3
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Wells Fargo's secure site

Balance transfer intro APR

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

Regular APR

18.24%, 24.74%, or 29.99% Variable APR

Rewards rate

Info

N/A

Annual fee

$0

Best for everyday spending

Bankrate score

Rating: 4.6 stars out of 5
4.6
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Balance transfer intro APR

0% on balance transfers for 15 months

APR

19.24% - 29.99% Variable

Rewards rate

Info

1% - 3%

Annual fee

$0

Best for welcome offer

Bankrate score

Rating: 4 stars out of 5
4.0
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Discover's secure site

Balance transfer intro APR

0% for 18 months

Regular APR

18.24% - 28.24% Variable APR

Rewards rate

Info

1% - 2%

Annual fee

$0

Best for long-term value

Bankrate score

Rating: 4.2 stars out of 5
4.2
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Citi's secure site

Balance transfer intro APR

0% intro for 18 months on Balance Transfers

Regular APR

19.24% - 29.24% (Variable)

Rewards rate

Info

1% - 5%

Annual fee

$0

Best for flat-rate cash back

Bankrate score

Rating: 4.3 stars out of 5
4.3
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Wells Fargo's secure site

Balance transfer intro APR

0% intro APR for 15 months from account opening on qualifying balance transfers

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Rewards rate

Info

2%

Annual fee

$0

Best for travel

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
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

19.24% - 29.24% Variable APR on purchases and balance transfers

Rewards rate

Info

1.5X

Annual fee

$0

Best for dining

Bankrate score

Rating: 4.8 stars out of 5
4.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
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

Info

1.5% - 5%

Annual fee

$0

Best for groceries

Bankrate score

Rating: 4.4 stars out of 5
4.4
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Balance transfer intro APR

0% on balance transfers for 12 months

APR

19.24% - 29.99% Variable

Rewards rate

Info

1% - 6%

Annual fee

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

Best for flexibility

Bankrate score

Rating: 4.4 stars out of 5
4.4
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Citi's secure site

Balance transfer intro APR

0% for 15 months on balance transfers

Regular APR

19.24% - 29.24% (Variable)

Rewards rate

Info

1% - 5%

Annual fee

$0

Best for customizable rewards

Bankrate score

Rating: 4.3 stars out of 5
4.3
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
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

19.24% - 29.24% Variable APR on purchases and balance transfers

Rewards rate

Info

1% - 3%

Annual fee

$0

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

Best for late payment fee forgiveness

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
See Terms
Info
Apply now Lock
on TD Bank's secure site

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

Info

N/A

Annual fee

None

Best for low interest

Bankrate score

Rating: 3 stars out of 5
3.0
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on USAA's secure site

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

Info

N/A

Annual fee

$0

Best for simplicity

Bankrate score

Rating: 3.8 stars out of 5
3.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
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

19.24% - 29.24% Variable APR on purchases and balance transfers

Rewards rate

Info

1.5%

Annual fee

$0

awards-badge
2024 Bankrate Awards Winner

Best for no late fees

Image of Citi Simplicity® Card

Citi Simplicity® Card

*

Bankrate score

Rating: 4.5 stars out of 5
4.5
Info
Recommended credit score: 670 - 850
Info

Intro offer

Info

N/A

Rewards Rate

Info

N/A

Annual fee

$0

Regular APR

19.24% - 29.99% (Variable)

Best for no penalty APR

Image of BankAmericard® credit card

BankAmericard® credit card

*

Bankrate score

Rating: 4.8 stars out of 5
4.8
Info
Recommended credit score: 670 - 850
Info

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

16.24% - 26.24% Variable APR on purchases and balance transfers

Rewards rate

Info

N/A

Annual fee

$0