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15 Best balance transfer cards of July 2024

Updated July 08, 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 July 2024.

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Best overall

Bankrate score

Rating: 4.5 stars out of 5
4.5
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Citi's secure site

Balance transfer intro APR

0% for 21 months on Balance Transfers

Regular APR

19.24% - 29.99% (Variable)

Rewards rate

Info

N/A

Annual fee

$0

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

Why you’ll like this card: It offers one of the longest intro APR periods you can get on both balance transfers and purchases, giving you a ton of flexibility.

Best for excellent credit

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Citi's secure site

Balance transfer intro APR

0% for 21 months on Balance Transfers

Regular APR

18.24% - 28.99% (Variable)

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

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

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

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

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

Why you’ll like this card: It boasts one of the longest intro APR offers you can get on a cash back card and its rewards give it better long-term value than most balance transfer cards.

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

Why you’ll like this card: It offers flexibility with both its intro APR and its streamlined rewards program, which can help you earn on most purchases.

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

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

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

Why you’ll like this card: If you eat out often, its rewards can be a great tool for everyday rewards alongside its intro APR offer.

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.

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

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

Why you’ll like this card: You won’t have to worry about maximizing bonus categories while saving on interest.

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

Why you’ll like this card: With its easy-to-earn bonus, lengthy intro APR offer and customizable rewards, it offers flexibility and value in both the short and long term.
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

Why you’ll like this card: 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 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

Why you’ll like this card: 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

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

Why you’ll like this card: 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.