Best Balance Transfer Credit Cards

Best for balance transfers

Citi Simplicity® Card

on Citi's secure site

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.

Bankrate review

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4.5 Bankrate review

Bankrate review

Rewards Rate

N/A

Intro offer

N/A

Annual fee

Recommended credit

Good to Excellent (670 – 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

N/A
Additional features

Purchase intro APR

Balance transfer intro APR

Best for Long Intro APRs

Wells Fargo Reflect® Card

chance of approval

Apply now

on Wells Fargo's secure site

Best for Long Intro APRs

Wells Fargo Reflect® Card

chance of approval

Apply now

on Wells Fargo's secure site

4.3 Bankrate review

Bankrate review

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4.3 Bankrate review

Bankrate review

Rewards Rate

N/A

Intro offer

N/A

Annual fee

Good to Excellent (670 – 850)

chance of approval

N/A
Additional features

Purchase intro APR

Balance transfer intro APR

Best for Groceries

Blue Cash Preferred® Card from American Express

chance of approval

Apply now

on American Express's secure site

Best for Groceries

Blue Cash Preferred® Card from American Express

chance of approval

Apply now

on American Express's secure site

4.4 Bankrate review

Bankrate review

See Rates & Fees , Terms Apply

4.4 Bankrate review

Bankrate review

See if you're pre‐qualified for this card with Approval Odds

Rewards Rate

6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% 6% Cash Back on select U.S. streaming subscriptions.
3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
3% 3% Cash Back at U.S. gas stations
1% 1% Cash Back on other purchases

Intro offer

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

Annual fee

APR

Good to Excellent (670 – 850)

chance of approval

- 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% 6% Cash Back on select U.S. streaming subscriptions.
- 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
- 3% 3% Cash Back at U.S. gas stations
- 1% 1% Cash Back on other purchases
Additional features

Purchase intro APR

Balance transfer intro APR

Rich text test

Simple text test

Best for pairing

Chase Freedom Unlimited®

Apply now

on Chase's secure site

Best for pairing

Chase Freedom Unlimited®

Apply now

on Chase's secure site

4.8 Bankrate review

Bankrate review

4.8 Bankrate review

Bankrate review

Rewards Rate

5% Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
1.5% 1.5% cash back on all other purchases.

Intro offer

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.

Annual fee

Recommended credit

Good to Excellent (670 – 850)

- 5% Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
- 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
- 1.5% 1.5% cash back on all other purchases.
Additional features

Purchase intro APR

Balance transfer intro APR

Citi Double Cash® Card

chance of approval

Apply now

on Citi's secure site

Citi Double Cash® Card

chance of approval

Apply now

on Citi's secure site

4.2 Bankrate review

Bankrate review

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4.2 Bankrate review

Bankrate review

Rewards Rate

1% Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
5% Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.

Intro offer

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.

Annual fee

Good to Excellent (670 – 850)

chance of approval

- 1% Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
- 5% Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
Additional features

Purchase intro APR

Balance transfer intro APR

Best for everyday use

Blue Cash Everyday® Card from American Express

chance of approval

Apply now

on American Express's secure site

Best for everyday use

Blue Cash Everyday® Card from American Express

chance of approval

Apply now

on American Express's secure site

4.6 Bankrate review

Bankrate review

See Rates & Fees , Terms Apply

4.6 Bankrate review

Bankrate review

See if you're pre‐qualified for this card with Approval Odds

Rewards Rate

3% 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
1% 1% Cash Back on other purchases.

Intro offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Annual fee

APR

Good to Excellent (670 – 850)

chance of approval

- 3% 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- 1% 1% Cash Back on other purchases.
Additional features

Purchase intro APR

Balance transfer intro APR

Best Balance Transfer Credit Cards

Best for balance transfers

Citi Simplicity® Card

Best for balance transfers

Citi Simplicity® Card

Additional features

Best for Long Intro APRs

Wells Fargo Reflect® Card

Best for Long Intro APRs

Wells Fargo Reflect® Card

Additional features

Best for Groceries

Blue Cash Preferred® Card from American Express

Best for Groceries

Blue Cash Preferred® Card from American Express

Additional features

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Best for pairing

Chase Freedom Unlimited®

Best for pairing

Chase Freedom Unlimited®

Additional features

Citi Double Cash® Card

Citi Double Cash® Card

Additional features

Best for everyday use

Blue Cash Everyday® Card from American Express

Best for everyday use

Blue Cash Everyday® Card from American Express

Additional features