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Balance transfer credit card offers

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Save money on interest and earn rewards on purchases.

If your debt is accruing a high interest, a balance transfer credit card could help you lower your interest payments. Depending on the balance transfer card, you could even earn rewards on purchases.

Best balance transfer offers

There are many different types of balance transfer cards out there. Calculate your debt and assess your needs to choose a card that’s right for you.

Flat cash back

American Express Cash Magnet® Card

American Express Cash Magnet® Card

  • 0% intro APR on balance transfers for the first 15 months, then 15.24% to 26.24% variable.

Longest intro

Citi Simplicity® Card

Citi Simplicity® Card

  • 0% intro APR on balance transfers for the first 21 months, then 16.24% to 26.24% variable.

Intro APR and no balance transfer fee

Amex EveryDay® Credit Card

Amex EveryDay® Credit Card

  • 0% intro APR on balance transfers for the first 15 months, then 15.24% to 26.24% variable.

Low revert APR

HSBC Gold Mastercard® credit card

HSBC Gold Mastercard® credit card

  • 0% intro APR on balance transfers for the first 15 months, then 14.24%, 20.24% or 25.24% variable.

0% intro on balance transfers and purchases

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

  • 0% intro APR on balance transfers for the first 20 billing cycles, then 14.74% to 25.74% variable.

High limit

Chase Freedom®

Chase Freedom®

  • 0% intro APR on balance transfers for the first 15 months, then 17.24% to 25.99% variable.

Rewards

Citi® Double Cash Card

Citi® Double Cash Card

  • 0% intro APR on balance transfers for the first 18 months, then 15.74% to 25.74% variable.

Easy to get

Discover it® Secured

Discover it® Secured

  • 10.99% intro APR on balance transfers for the first 6 months, then 25.24% variable.

Business

U.S. Bank Business Platinum

U.S. Bank Business Platinum

  • 0% intro APR on balance transfers for the first 20 billing cycles, then 12.24% to 20.24% variable.

How we selected our top cards

We considered several factors when comparing balance transfer cards, including the presence of an introductory APR, the length of the introductory period, balance transfer fees, balance transfer limits, time frames for balance transfers and other perks or reward programs that consumers might look for in a balance transfer card.

What’s changed in 2019

The Citi Simplicity® Card kept the longest intro APR period for this year, although some customers reported that they’ve seen a shorter intro APR period on the Citi website.

Compare balance transfer credit cards

Name Product Intro Balance Transfer APR Balance Transfer Fee Recommended Minimum Credit Score
0% for the first 15 months (then 15.24% to 26.24% variable)
$5 or 3% of the transaction, whichever is greater
680
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
0% for the first 15 months (then 14.24%, 20.24% or 25.24% variable)
$10 or 4% of the transaction, whichever is greater
670
An 15 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
0% for the first 15 months (then 17.24% to 25.99% variable)
$5 or 3% of the transaction, whichever is greater
670
Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
0% for the first 15 months (then 15.24% to 26.24% variable)
$5 or 3% of the transaction, whichever is greater
680
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
0% for the first 15 months (then 17.24% to 25.99% variable)
$5 or 3% of the transaction, whichever is greater
670
0% intro APR for 15 months from account opening on purchases and balance transfers.

Compare up to 4 providers

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How to find the best balance transfer offer for you

There are different types of balance transfer cards, and one might work better for you than the others. Here are a few types you may want to consider.

  • 0% intro APR
    Many balance transfer cards offer a 0% intro APR to entice new customers. However, consider what else is important to you.

For example, you may have to settle for a slightly shorter interest-free period if you want rewards. Or you can pass on earning rewards in favor of a market-leading 0% intro APR.

  • Longest intro period
    Balance transfer promotions can extend for impressive periods — up to almost two years. However, these cards rarely offer additional perks. If you’re only looking to move your balance from another card and save money on interest, this type of cards may be worth considering.
  • High-limit balance transfers
    Different providers will cap your balance transfer maximum at different limits. With some cards, you may be able to transfer up to 100% of your credit limit. With other cards, you may be able to transfer only up to 75% of your credit limit. However, all of these cards have a limit. For example, you may transfer up to 100% of your credit limit, but it may not exceed $15,000.

If a high balance transfer limit is important to you, check with your provider to learn its rules.

  • No fee
    With some cards, you won’t have to pay balance transfer fees for a certain period, or at all. If a card comes with no balance transfer fees at any time, it’s likely you have to make your transfers within a certain period. Typically, this is within your first 60 days. Alternatively, the $0 balance transfer fee may start to apply after the intro APR period ends.

Bottom line

Balance transfer credit cards can be a great option if you’re paying high interest on another credit card. Once you make the transfer, you can get more than a year of an interest-free period. You can even earn cash back with some cards.

If you want to explore your options further, check out other balance transfer credit cards.

Frequently asked questions

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