Skip to Main Content

15 Best Balance Transfer Cards with 0% intro APR of April 2024

Updated April 18, 2024

The listings that appear on the website are from credit card companies from which Bankrate receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Here's an explanation for

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 April 2024.

Filter by:

Info
Best for balance transfer beginners
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
BEST FOR EVERYDAY SPENDING
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

Best for rotating bonus categories
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
Best for good credit
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

Only Available in 15 East Coast States and D.C.
Best for late fee refunds
Rating: 4.1 stars out of 5
4.1
Info
Apply now Lock
on TD Bank's secure site
See Terms
Info
Recommended Credit

Balance transfer intro APR

Regular APR

N/A

Rewards rate

Info

Annual fee

Best travel and balance transfer 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

Info
Best for 2 percent cash rewards
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

Best for dining and drugstores
Rating: 5 stars out of 5
5.0
Info
Apply now Lock
on Chase's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Balance transfer intro APR

Regular APR

1.5% - 5%

Rewards rate

Info

Annual fee

Info
Best for automatic bonus category
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 CUSTOMIZABLE REWARDS
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
BEST FOR GROCERIES
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

Only Available in 15 East Coast States and D.C.
Best for unlimited 2 percent and 3 percent cash back categories
Rating: 4 stars out of 5
4.0
Info
Apply now Lock
on TD Bank's secure site
See Terms
Info
Recommended Credit

Balance transfer intro APR

Regular APR

Earn 1% Cash Back - Earn 3% and 2% Cash Back

Rewards rate

Info

Annual fee

Info
Best for unlimited 1.5 percent cash back
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

Only Available in 15 East Coast States and D.C.
Best cash back card with low balance transfer fee
Rating: 4 stars out of 5
4.0
Info
Apply now Lock
on TD Bank's secure site
See Terms
Info
Recommended Credit

Balance transfer intro APR

Regular APR

2% Cash Back

Rewards rate

Info

Annual fee

Best for low ongoing interest rate
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

awards-badge
2024 Bankrate Awards Winner
Best for no late fees
Image of Citi Simplicity® Card

Citi Simplicity® Card

*
Rating: 4.5 stars out of 5
4.5
Info
Good to Excellent (670 – 850)
Info
Recommended Credit

N/A

Intro offer

Info

N/A

Rewards Rate

Info

Annual fee

Regular APR

Best for no penalty 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