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15 Best balance transfer cards of June 2024

Updated May 15, 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 balance transfer beginners

Bankrate score

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

Balance transfer intro APR

Regular APR

Rewards rate

Info

N/A

Annual fee

Info

Best for everyday spending

Bankrate score

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

Balance transfer intro APR

APR

Rewards rate

Info

1% - 3%

Annual fee

Best for low fees

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

Regular APR

Rewards rate

Info

1% - 2%

Annual fee

Info

Best for good credit

Bankrate score

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

Balance transfer intro APR

Regular APR

Rewards rate

Info

1% - 5%

Annual fee

Info

Best for 2 percent cash rewards

Bankrate score

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

Balance transfer intro APR

Regular APR

Rewards rate

Info

2%

Annual fee

Best travel and balance transfer card

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

Regular APR

Rewards rate

Info

1.5X

Annual fee

Info

Best for groceries

Bankrate score

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

Balance transfer intro APR

APR

Rewards rate

Info

1% - 6%

Annual fee

Info

Best for customizable rewards

Bankrate score

Rating: 4.3 stars out of 5
4.3
Info
Recommended credit score: 670 - 850
Info
chance of approval
Info
Apply now Lock
on Bank of America's secure site

Balance transfer intro APR

Regular APR

Rewards rate

Info

1% - 3%

Annual fee

Best for low ongoing interest rate

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

Regular APR

Rewards rate

Info

N/A

Annual fee

Best for dining and drugstores

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

Regular APR

Rewards rate

Info

1.5% - 5%

Annual fee

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

Best for late fee refunds

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
N/A
Apply now Lock
on TD Bank's secure site

Balance transfer intro APR

Regular APR

Rewards rate

Info

N/A

Annual fee

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

Best cash back card with low balance transfer fee

Bankrate score

Rating: 4 stars out of 5
4.0
Info
N/A
Apply now Lock
on TD Bank's secure site

Balance transfer intro APR

Regular APR

Rewards rate

Info

2% Cash Back

Annual fee

Info

Best for automatic bonus category

Bankrate score

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

Balance transfer intro APR

Regular APR

Rewards rate