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13 Best Balance Transfer Cards with 0% intro APR of March 2024

Updated February 28, 2024

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 February 2024.

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2024 Bankrate Awards Winner
Best for no late fee

Citi Simplicity® Card

Rating: 4.5 stars out of 5
4.5
Info
Apply now Lock
on Citi's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Balance transfer intro APR

Regular APR

N/A

Rewards rate

Info

Annual fee

Info
Best for balance transfer beginners

Wells Fargo Reflect® Card

Rating: 4.3 stars out of 5
4.3
Info
Apply now Lock
on Wells Fargo's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Balance transfer intro APR

Regular APR

N/A

Rewards rate

Info

Annual fee

Info
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2024 Bankrate Awards Winner
BEST FOR EVERYDAY SPENDING

Blue Cash Everyday® Card from American Express

Rating: 4.6 stars out of 5
4.6
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Balance transfer intro APR

Regular APR

1% - 3%

Rewards rate

Info

Annual fee

Info
Best for excellent credit

Citi® Diamond Preferred® Card

Rating: 4.1 stars out of 5
4.1
Info
Apply now Lock
on Citi's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Balance transfer intro APR

Regular APR

N/A

Rewards rate

Info

Annual fee

Best for rotating bonus categories

Discover it® Balance Transfer

Rating: 4.6 stars out of 5
4.6
Info
Apply now Lock
on Discover's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Balance transfer intro APR

Regular APR

1% - 5%

Rewards rate

Info

Annual fee

Info
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2024 Bankrate Awards Winner
Best for 2 percent cash rewards

Wells Fargo Active Cash® Card

Rating: 4.3 stars out of 5
4.3
Info
Apply now Lock
on Wells Fargo's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Balance transfer intro APR

Regular APR

2%

Rewards rate

Info

Annual fee

Info
Best for good credit

Citi Double Cash® Card

Rating: 4.2 stars out of 5
4.2
Info
Apply now Lock
on Citi's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Balance transfer intro APR

Regular APR

1% - 5%

Rewards rate

Info

Annual fee

Info
awards-badge
2024 Bankrate Awards Winner
Best for flexible rewards categories

Bank of America® Customized Cash Rewards credit card

Rating: 4.3 stars out of 5
4.3
Info
Apply now Lock
on Bank of America's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Balance transfer intro APR

Regular APR

1% - 3%

Rewards rate

Info

Annual fee

Info
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2024 Bankrate Awards Winner
BEST FOR GROCERIES

Blue Cash Preferred® Card from American Express

Rating: 4.4 stars out of 5
4.4
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Balance transfer intro APR

Regular APR

1% - 6%

Rewards rate

Info

Annual fee

Info
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2024 Bankrate Awards Winner
Best for automatic bonus category

Citi Custom Cash® Card

Rating: 4.4 stars out of 5
4.4
Info
Apply now Lock
on Citi's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Balance transfer intro APR

Regular APR

1% - 5%

Rewards rate

Info

Annual fee

Info
Best for unlimited 1.5 percent cash back

Bank of America® Unlimited Cash Rewards credit card

Rating: 3.8 stars out of 5
3.8
Info
Apply now Lock
on Bank of America's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Balance transfer intro APR

Regular APR

1.5%

Rewards rate

Info

Annual fee

Best for low ongoing interest rate

USAA Rate Advantage Credit Card

Rating: 3 stars out of 5
3.0
Info
Apply now Lock
on USAA's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Balance transfer intro APR

Regular APR

N/A

Rewards rate

Info

Annual fee

Best travel and balance transfer card

Bank of America® Travel Rewards credit card

Rating: 4.1 stars out of 5
4.1
Info
Apply now Lock
on Bank of America's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Balance transfer intro APR

Regular APR

1.5X

Rewards rate

Info

Annual fee

BEST FOR INTRO APR WITH LOW ONGOING APR
Image of BankAmericard® credit card

BankAmericard® credit card
*

Rating: 4.8 stars out of 5
4.8
Info
Good to Excellent (670 – 850)
Info
Recommended Credit

Balance transfer intro APR

Regular APR

N/A

Rewards rate

Info

Annual fee

BEST CREDIT UNION BALANCE TRANSFER CARD
Image of Gold Visa® Card

Gold Visa® Card
*

Good to Excellent (670 – 850)
Info
Recommended Credit

Balance transfer intro APR

Regular APR

N/A

Rewards rate

Info

Annual fee

Compare Bankrate's best 0% balance transfer credit cards

Card Name Bankrate's pick for 0% balance transfer intro APR period Regular APR Bankrate Review Score

No late fee

21 months 0% for 21 months on Balance Transfers
Intro Offer: N/A
Regular APR: 19.24% - 29.99% (Variable)

4.5 / 5

Info
(Read card review)
Apply now Lock
on Citi's secure site

Balance transfer beginners

21 months 0% intro APR for 21 months from account opening on qualifying balance transfers
Intro Offer: N/A
Regular APR: 18.24%, 24.74%, or 29.99% Variable APR

4.3 / 5

Info
(Read card review)
Apply now Lock
on Wells Fargo's secure site

Everyday rewards 

15 months 0% on balance transfers for 15 months
Intro Offer: Earn $200
Info
Regular APR: 19.24% - 29.99% Variable

4.6 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Excellent credit
21 months 0% for 21 months on Balance Transfers
Intro Offer: N/A
Regular APR: 18.24% - 28.99% (Variable)

4.1 / 5

Info
(Read card review)
Apply now Lock
on Citi's secure site
Rotating bonus categories
18 months 0% for 18 months
Intro Offer: Cashback Match
Info
Regular APR: 17.24% - 28.24% Variable APR

4.6 / 5

Info
(Read card review)
Apply now Lock
on Discover's secure site
2% cash rewards
15 months 0% intro APR for 15 months from account opening on qualifying balance transfers
Intro Offer: $200 cash rewards
Info
Regular APR: 20.24%, 25.24%, or 29.99% Variable APR

4.3 / 5

Info
(Read card review)
Apply now Lock
on Wells Fargo's secure site

Good credit

18 months 0% intro for 18 months on Balance Transfers
Intro Offer: $200 cash back
Info
Regular APR: 19.24% - 29.24% (Variable)

4.2 / 5

Info
(Read card review)
Apply now Lock
on Citi's secure site
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
Info
Regular APR: 18.24% - 28.24% Variable APR on purchases and balance transfers

4.3 / 5

Info
(Read card review)
Apply now Lock
on Bank of America's secure site

Groceries

12 months 0% on balance transfers for 12 months
Intro Offer: Earn $250
Info
Regular APR: 19.24% - 29.99% Variable

4.4 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
15 months 0% for 15 months on balance transfers
Intro Offer: $200
Info
Regular APR: 19.24% - 29.24% (Variable)

4.4 / 5

Info
(Read card review)
Apply now Lock
on Citi's secure site
Unlimited 1.5 percent cash back
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
Info
Regular APR: 18.24% - 28.24% Variable APR on purchases and balance transfers

3.8 / 5

Info
(Read card review)
Apply now Lock
on Bank of America's secure site
15 months 0% intro apr for 15 months on balance transfers, then 12.15% to 29.15% variable regular apr
Intro Offer: N/A
Regular APR: 12.15% to 29.15% variable regular APR

3.0 / 5

Info
(Read card review)
Apply now Lock
on USAA's secure site
Travel card
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
Info
Regular APR: 18.24% - 28.24% Variable APR on purchases and balance transfers

4.1 / 5

Info
(Read card review)
Apply now Lock
on Bank of America's secure site
Image of BankAmericard® credit card
BankAmericard® credit card
No penalty APR
18 billing cycles 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.
Intro Offer: N/A
Regular APR: 16.24% - 26.24% Variable APR on purchases and balance transfers
Image of Gold Visa® Card
Gold Visa® Card
Credit union card
15 months 0% introductory APR for 15 months on balance transfers made in the first 90 days after account opening
Intro Offer: N/A
Regular APR: 17.99% Variable APR

A closer look at Bankrate's top 0% balance transfer cards

Image of Citi Simplicity® Card

Citi Simplicity® Card

BEST FOR NO LATE FEE

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The lack of fees already makes this card great but paired with one of the long balance transfer offers available, it becomes one of the best balance transfer cards on the market. While it does still charge a 3 percent balance transfer fee ($5 minimum), it’s still better than other cards that change 5 percent ($10 minimum). After the intro period, your fee will be 5% of each transfer (minimum $5).

Someone who wants a low-cost card option with a long time period to pay off debt from another card.

While great for balance transfers, the overall value of this card can be short-lived. The Citi Double Cash Card is a good option if you want a credit card with long-term value and a long introductory APR period on balance transfers.

Image of Wells Fargo Reflect® Card

Wells Fargo Reflect® Card

Best for balance transfer beginners

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We consider this card a prime pick for people in the market for a balance transfer credit card. Its potentially low regular APR rate and intro APR offer are top-notch and among the longest promotional APR offers currently available.
If you’re new to balance transfers, you’ll appreciate this card’s user-friendly features, including its lengthy introductory APR period and its longer-than-usual window to initiate transfers. 
The Chase Freedom Unlimited® card is ideal for anyone ready to forego a longer introductory APR period on balance transfers in exchange for the opportunity to receive cash back rewards.
Image of Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Best for everyday spending

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It’s a low-cost and low-hassle card that still earns on many everyday expenses.

Anyone who wants a cost-effective card to cover daily expenses with a fairly straightforward rewards structure.

If you want even more flexibility when it comes to earning on your highest spending categories, the Bank of America Customized Cash Rewards credit card is an alternative that could fill the gap.

Image of Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Best for excellent credit

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The Citi Flex Loans feature provides an opportunity to borrow money against your Citi card credit limit at a fixed rate (available for qualifying cardholders). This can be particularly useful if you want to pay off multiple loans or credit card balances, or if you have a big purchase coming up and want to pay for it using your credit card.
Someone interested in a simple but effective method of temporarily avoiding interest on a balance transfer or purchase, as this no-annual-fee card offers a leading intro APR length on balance transfers but a shorter intro APR on purchases.
The Capital One SavorOne Cash Rewards Credit Card is ideal for anybody looking for additional benefits, rewards programs or premium perks, since the Diamond Preferred Card has little long-term value outside of its potentially low ongoing APR.
Image of Discover it® Balance Transfer

Discover it® Balance Transfer

Best for rotating bonus categories

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The card is decidedly well-rounded with competitive rewards. It comes with a generous Cashback Match welcome offer (all cash back earned at the end of the first year will be matched) and a long intro APR offer on balance transfers.
Someone who needs to pay down existing credit card debt in the short term but wants to earn rewards for the long term.
If you’re looking for a low-maintenance rewards program, a flat-rate rewards card such as the Wells Fargo Active Cash® Card could help you better maximize your spending while paying down your balance transfer.
Image of Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card

Best for 2% cash rewards

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It comes with a generous cash back rewards rate and a matching introductory APR offer on both purchases and qualifying balance transfers. Cards that earn unlimited high-rate cash rewards on purchases are rare, but a card that also has an introductory APR offer on both purchases and qualifying balance transfers is rarer still.
Anyone looking for a card with both an intro APR offer for qualifying balance transfers and purchases from account opening, as well as an exceptional cash rewards program.
For people who want to make the length of the introductory offer the top priority, the Wells Fargo Reflect Card would provide a longer intro APR than the Active Cash on purchases and qualifying balance transfers.
Image of Citi Double Cash® Card

Citi Double Cash® Card

Best for good credit

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It delivers an intro APR on balance transfers on par with traditional balance transfer cards, as well as decent flat-rate cash back on all purchases — you’re rewarded when you buy and rewarded when you pay off the purchases.
Anyone who wants a card with lengthy introductory offers on balance transfers plus a cash back program. It's also great for people who want to earn rewards for their spending and not have to worry about spending caps or other restrictions.
The Double Cash currently doesn’t offer an introductory APR offer on new purchases, so shoppers looking for a temporary break from interest on purchases along with balance transfers may find the U.S. Bank Visa Platinum Card to be a better fit.
Image of Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card

Best for flexible rewards categories

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Its traditional balance transfer card-level intro APR length on purchases and balance transfers plus its flexible cash back potential. Not many cards offer the opportunity to choose your preferred rewards category. The Customized Cash Rewards card lets you pick your highest earnings in one of the available categories — travel, gas, dining, online shopping, drug stores or home improvement and furnishings — and your next tier of earnings are on grocery store and wholesale club purchases.
Frequent shoppers who want to match their spending habits with cash back categories without affecting their responsible use of the introductory offer on purchases and qualifying balance transfers.
People who just want to take advantage of an introductory APR offer on balance transfers and have less interest in pursuing rewards may want to consider the Citi Diamond Preferred card instead.
Image of Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Best for groceries

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The top-of-the-line rewards rates on grocery purchases and streaming.

Larger families and people with big grocery and transit budgets. 

If you’re a fan of what the Blue Cash Preferred has to offer, but want to skip the annual fee, the Amex Blue Cash Everyday is a great no-annual-fee alternative.

Image of Citi Custom Cash® Card

Citi Custom Cash® Card

Best for automatic bonus category

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It has a decent intro APR period and the opportunity to maximize rewards. Some rewards cards involve rotating categories that you’re required to activate every quarter, but with this card, your top spending category becomes your bonus category each billing cycle.
Anyone who wants a balance transfer credit card that also earns bonus rate cash back — automatically, in any of 10 eligible categories — based on their spending each billing cycle (up to the maximum spend each billing cycle).
People concerned about paying a high go-to APR may be interested in the BankAmericard credit card, as it notably has one of the longest intro APR periods. 
Image of Bank of America® Unlimited Cash Rewards credit card

Bank of America® Unlimited Cash Rewards credit card

Best for unlimited 1.5% cash back

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The intro APR period on purchases and balance transfers, as well as its potential rewards rate boost, makes this card a no-brainer. Bank of America Preferred Rewards® members earn 25 percent to 75 percent more cash back (based on your enrollment tier), meaning members could reach a maximum of up to 2.62 percent cash back on every purchase.
People who want a balance transfer card with unlimited, uncomplicated cash back that never expires as long as your account remains open.
Cash back maximizers who don’t mind keeping track of a few bonus categories to earn a higher rewards rate while paying down a balance may find more value with the Discover it® Cash Back.
Image of USAA Rate Advantage Credit Card

USAA Rate Advantage Credit Card

Best for low ongoing interest rate

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If you qualify for USAA membership, this card offers a potentially low ongoing interest rate and no penalty APR to help manage debt. 

Eligible military members, veterans and their families who can establish membership with USAA.

The USAA Rate Advantage Credit Card has limited value after the intro offer ends, so it may be worth considering a card that earns rewards like the Citi Double Cash.

Image of Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

Best travel and balance transfer card

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It has flexible reward redemption options, letting cardholders redeem points for travel and dining purchases on their statements in the past 12 months.

Bank of America Preferred Rewards members and casual travelers.

You could earn more and get access to Chase’s travel portal with the Chase Freedom Unlimited®, which also has a competitive intro APR offer for a no-annual-fee travel card.

Additional card offers

Image of BankAmericard® credit card

BankAmericard® credit card

Best for no penalty APR

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In addition to a competitive intro APR offer on balance transfers, the BankAmericard has no annual fee or penalty APR, making it an ideal pick for credit builders hoping to keep costs low.

*The information about the BankAmericard® credit card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

People still learning to manage their credit card payments and who may benefit from the safety net of no penalty APR in case they miss a payment. (Your credit score will still suffer if you miss a payment, so always aim to pay on time).

The Citi Simplicity Card is a similar balance transfer card option that may be the ideal solution for anybody looking to avoid an annual fee, penalty APR and late penalties altogether, unlike the BankAmericard, which has a late payment fee.
Image of Gold Visa® Card

Gold Visa® Card

Best credit union balance transfer card

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It has a competitive intro offer and a relatively low ongoing APR after the balance transfer period ends.

PenFed Credit Union members or people interested in joining a credit union. PedFed is one of the easier credit unions to join — you can apply for a savings account and deposit $5 to become a member.

If you qualify for membership, the USAA Rate Advantage Credit Card is worth considering because it has the same offer length, but a potentially lower ongoing APR.

Read our full Gold Visa Card review.

Image of U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

Best for financing purchases

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It has a competitive intro APR offer on purchases and balance transfers, in addition to not charging a penalty APR for a late or missed payment. 

People who want to finance a large purchase or who need a fairly low-cost card to help pay down a transferred balance.

If you want a shot at earning rewards while still benefiting from an intro APR offer, the Bank of America Customized Cash Rewards offers a similar intro APR offer on balance transfers, while also touting a rewards program that gives you the power to pick your highest-earning spend category. 

Image of Chase Freedom Flex℠

Chase Freedom Flex℠

Best for travel rewards

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This rewards card offers competitive earning rates on popular spending categories, including travel, in addition to a competitive intro APR offer and a generous welcome offer.

Anyone who wants the chance to earn bonus category rewards and have the opportunity to finance a purchase or complete a balance transfer with an intro APR offer.

The Discover it® Balance Transfer offers an even more competitive intro APR offer on balance transfers and a similar rewards program.

How we assess the best balance transfer credit cards

Document
100+
Cards rated
Credit Card Apr
400+
APRs tracked
Search
3000
Data points analyzed
Credit Card Reviews
40+
Perks evaluated

When evaluating the best balance transfer and low-interest cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders. 

This includes users who need to carry a balance long term, need as much time as possible to chip away at debt or are looking for maximum long-term value via rewards.

We analyzed over 100 of the most popular balance transfer and low-interest cards and scored each based on its introductory APR, intro APR period length, ongoing APR, balance transfer fee, perks and more to determine whether it belonged in this month’s roundup

Here are some of the key factors that we considered:

Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.

What is a balance transfer credit card?

A balance transfer credit card is a tool people can use to help pay off debt. Balance transfer cards typically come with an introductory 0 percent APR offer for a set time, and you won’t pay any interest on your transferred balance during that time. This interest-free period allows you to pay off the principal balance without interest charges adding to your debt.

A balance transfer is the process of moving a balance from one credit card to another. In some cases, you can transfer more than just credit card balances to a balance transfer card.

When the intro APR period ends, interest applies to any remaining balance at the end of each billing cycle like a regular credit card. The average intro APR period is 12 to 21 months, with many of the best balance transfer intro periods offering 18 to 21 months.

Balance transfer terms to know

Balance transfer fee
In exchange for letting you transfer a balance, the new card will typically charge a balance transfer fee. This fee is usually 3 percent to 5 percent of the balance you’re transferring, usually with a $5 minimum.
Intro APR offer
This is the time you have to make use of a low- or zero-interest APR on your new credit card. 
Transfer window
Some balance transfer cards require you to transfer a balance within a designated timeframe to qualify for the intro offer. Common transfer windows are 60 to 120 days.
Ongoing APR
This interest rate is what applies to any remaining balance you have after the intro period ends.

Pros and cons of 0% balance transfer credit cards

Plenty of things make a balance transfer card worthwhile, but some of the drawbacks may have you eyeing other options. Consider the following pros and cons when taking a look at a balance transfer credit card. 

Pros

  • Checkmark

    Save money: You could save on interest charges by temporarily pausing interest on transferred debt.

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    Improve credit utilization ratio: Debt reduction can lower your credit utilization ratio over time, which means you’re using less of your available credit and potentially improving your credit score.

  • Checkmark

    Reduce monthly payments: The temporary break from interest on your transferred balance could translate to a lower monthly payment during the intro APR period.

  • Checkmark

    Consolidate debts: If you have multiple cards with high balances, you can simplify your debt payment process by consolidating the debt onto one card.

Cons

  • High credit approval threshold: The best balance transfer cards with the longest 0 percent intro offers tend to be available to people with good or excellent credit.

  • Interest on remaining balance: If you don’t pay off the transfer entirely during the introductory period, the remaining balance will be subject to the new card’s regular APR.

  • Less attractive rewards (if any): The main feature on most balance transfer cards is a lengthy intro APR period, and many intro APR-focused cards don’t earn rewards, though some cards do offer relatively modest cash back rewards.

  • Limits on transfer amounts: Balance transfer cards may limit the amount you’re allowed to transfer and it can be difficult to know these limits until you apply for the card.

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Bankrate Expert Advice

What happens if you reach the end of a balance transfer intro offer and still have a balance? Bankrate's experts break down your options for lingering credit card debt.

How much money could you save with a 0% balance transfer?

A 0 percent intro APR offer could save you several hundred dollars or more if you're paying down a large balance. 

Want to try it out? Use Bankrate’s balance transfer calculator below to quickly estimate how much you can save with the right balance transfer card.

Calculate estimated balance transfer savings

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Expert advice on choosing a 0% balance transfer card

A balance transfer card is an effective tool to help you pay off debt, but you’ll want to consider key details before putting in an application. To help guide you on choosing a balance transfer credit card that fits your unique financial situation, consider the following questions: