Balance transfer credit card offers

Save money on interest and earn rewards on purchases.

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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 14.49% to 25.49% variable (see rates & fees).

Apply now

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.

Apply now

Intro APR and no balance transfer fee

Amex EveryDay® Credit Card

Amex EveryDay® Credit Card

Please note: All information about Amex EveryDay® Credit Card has been collected independently by Finder and this card is not available through this site.
  • 0% intro APR on balance transfers for the first 15 months, then 14.49% to 25.49% variable.

Low revert APR

TD Cash Credit Card

TD Cash Credit Card

  • 0% intro APR on balance transfers for the first 15 billing cycles, then 14.49% to 24.49% variable.

Apply now

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 18 months, then 13.99% to 24.99% variable.

High limit

Chase Freedom®

Chase Freedom®

  • 0% intro APR on balance transfers for the first 15 months, then 16.49% to 25.24% variable.

Rewards

Citi® Double Cash Card

Citi® Double Cash Card

  • 0% intro APR on balance transfers for the first 18 months, then 15.49% to 25.49% variable.

Easy to get

UNITY Visa® Secured Credit Card

UNITY Visa® Secured Credit Card

  • 9.95% intro APR on balance transfers for the first 6 months, then 17.99% variable.

Apply now

Business

American Express® Blue Business Cash Card

American Express® Blue Business Cash Card

  • 0% intro APR on balance transfers for the first 12 months, then 14.74% to 20.74% variable (see rates & fees).

Apply now

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 2020

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. The U.S. Bank Business Cash Rewards World Elite™ Mastercard® dropped its intro APR period on balance transfers, leaving the top spot for businesses.

Our pick for a balance transfer intro of 21 months

Citi Simplicity® Card

  • No late fees, no penalty rate, and no annual fee... ever
  • 0% intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • 0% intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
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Compare balance transfer credit cards

%
Name Product Amount saved Balance transfer APR Balance transfer fee Recommended minimum credit score Filter values
Citi Simplicity® Card
0% intro for the first 21 months (then 16.24% to 26.24% variable)
$5 or 5% of the transaction, whichever is greater
670
Enjoy one of the longest intro APRs on balance transfers, no late fees, no penalty rate and no annual fee.
Blue Cash Everyday® Card from American Express
0% intro for the first 15 months (then 14.49% to 25.49% variable)
$5 or 3% of the transaction, whichever is greater
670
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Citi Rewards+℠ Card
0% intro for the first 15 months (then 14.99% to 24.99% variable)
$5 or 3% of the transaction, whichever is greater
670
The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Capital One® Quicksilver® Cash Rewards Credit Card
0% intro for the first 15 months (then 15.49%, 21.49% or 25.49% variable)
3%
670
Earn unlimited 1.5% cash back on every purchase, every day.
American Express Cash Magnet® Card
0% intro for the first 15 months (then 14.49% to 25.49% variable)
$5 or 3% of the transaction, whichever is greater
680
Unlimited 1.5% cash back. Rates & fees

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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