Balance Transfer Credit Cards | CompareCards.com
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Balance Transfer Credit Cards

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Our pick for best unlimited cash back card

Wells Fargo Active Cash® Card
 

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Rates & Fees
  • Welcome Offer Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
  • Rewards Rate Earn unlimited 2% cash rewards on purchases
  • Purchase and BT APR 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% Variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% intro for 120 days from account opening, then up to 5%; min: $5
  • Annual Fee $0
  • Credit Needed Good/Excellent
  • Card Brand Visa®
  • Welcome Offer Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
  • Rewards Rate Earn unlimited 2% cash rewards on purchases
  • Purchase and BT APR 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% Variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% intro for 120 days from account opening, then up to 5%; min: $5
  • Annual Fee $0
  • Credit Needed Good/Excellent
  • Card Brand Visa®

Highlights

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don't expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

See additional details for Wells Fargo Active Cash® Card

Our pick for best first year bonus on a balance transfer card

Discover it® Balance Transfer
 

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Rates & Fees
  • Balance Transfer APR 0% Intro APR for 18 months, then 17.24% - 28.24% Variable APR
  • Rewards Rate Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Sign-Up Bonus Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Annual Fee $0
  • Credit Needed Good/Excellent
  • Card Brand Discover
  • Balance Transfer APR 0% Intro APR for 18 months, then 17.24% - 28.24% Variable APR
  • Rewards Rate Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Sign-Up Bonus Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Annual Fee $0
  • Credit Needed Good/Excellent
  • Card Brand Discover

Highlights

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Your account may not always be eligible for balance transfers. Balance transfer eligibility is determined at Discover’s discretion.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee.
  • Terms and conditions apply.

See additional details for Discover it® Balance Transfer

Our pick for best unlimited travel rewards card

Bank of America® Travel Rewards credit card
 

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  • Sign-Up Bonus 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Intro APRs 0% Intro APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Rewards Rate 1.5 points per $1 spent on all purchases.
  • Annual Fee $0
  • Credit Needed Good/Excellent
  • Card Brand Visa®
  • Sign-Up Bonus 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Intro APRs 0% Intro APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Rewards Rate 1.5 points per $1 spent on all purchases.
  • Annual Fee $0
  • Credit Needed Good/Excellent
  • Card Brand Visa®

Highlights

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
TD FlexPay Credit Card
 

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  • Fees No annual fee
  • Intro BT APR 0% introductory APR balance transfers for first 18 billing cycles after account opening. After that 19.24%, 21.24%, 24.24%, 27.24% or 29.24% variable APR based on your creditworthiness.
  • Extra Benefits Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
  • Annual Fee None
  • Credit Needed Good/Excellent
  • Card Brand Visa®
  • Fees No annual fee
  • Intro BT APR 0% introductory APR balance transfers for first 18 billing cycles after account opening. After that 19.24%, 21.24%, 24.24%, 27.24% or 29.24% variable APR based on your creditworthiness.
  • Extra Benefits Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
  • Annual Fee None
  • Credit Needed Good/Excellent
  • Card Brand Visa®

Highlights

  • Get built-in flexibility with the TD FlexPay Credit Card
  • Our best balance transfer offer
  • Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
  • No annual fee
  • Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.

See additional details for TD FlexPay Credit Card

TD Double Up Credit Card
 

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  • Intro BT APR 0% introductory APR balance transfers for first 15 billing cycles after account opening. After that 20.24%, 25.24% or 30.24% variable APR based on your credit worthiness
  • Rewards Rate Earn unlimited 2% Cash Back on all eligible purchases
  • Welcome Offer Bonus Cash Back: Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening
  • Annual Fee None
  • Credit Needed Good/Excellent
  • Card Brand Visa®
  • Intro BT APR 0% introductory APR balance transfers for first 15 billing cycles after account opening. After that 20.24%, 25.24% or 30.24% variable APR based on your credit worthiness
  • Rewards Rate Earn unlimited 2% Cash Back on all eligible purchases
  • Welcome Offer Bonus Cash Back: Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening
  • Annual Fee None
  • Credit Needed Good/Excellent
  • Card Brand Visa®

Highlights

  • Bonus Cash Back: Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening
  • Earn unlimited 2% Cash Back on all eligible purchases
  • No reward categories, no caps, no worries.​
  • Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
  • No annual fee
  • Contactless Payments/Digital Wallet
  • Instant credit card replacement 
  • Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.

See additional details for TD Double Up Credit Card

TD Cash Credit Card
 

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  • Rewards Earn 3% and 2% Cash Back on your choice of spend categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on all other purchases
  • Welcome Offer Earn $200 Cash Back when you spend $500 within 90 days after account opening
  • Intro BT APR 0% introductory APR balance transfers for first 15 billing cycles after account opening. After that 20.24%, 25.24% or 30.24% variable APR based on your credit worthiness
  • Annual Fee None
  • Credit Needed Good/Excellent
  • Card Brand Visa®
  • Rewards Earn 3% and 2% Cash Back on your choice of spend categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on all other purchases
  • Welcome Offer Earn $200 Cash Back when you spend $500 within 90 days after account opening
  • Intro BT APR 0% introductory APR balance transfers for first 15 billing cycles after account opening. After that 20.24%, 25.24% or 30.24% variable APR based on your credit worthiness
  • Annual Fee None
  • Credit Needed Good/Excellent
  • Card Brand Visa®

Highlights

  • Bonus Cash Back: Earn $200 Cash Back when you spend $500 within 90 days after account opening
  • Choose your top two spend categories to earn unlimited 3% and 2% Cash Back. 
  • Earn unlimited 1% Cash Back on all other purchases.
  • Switch spend categories up to four times a year.​
  • No annual fee
  • Contactless Payments/Digital Wallet
  • Instant credit card replacement
  • Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.

See additional details for TD Cash Credit Card

Our pick for doubling your cash back

Citi Double Cash® Card
 

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Rates & Fees
  • Intro BT APR 0% intro APR for 18 months on Balance Transfers
  • Rewards Rate Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Regular Purchase & BT APR 19.24% - 29.24% (Variable)
  • Annual Fee $0
  • Credit Needed Fair/Good/Excellent
  • Card Brand Mastercard®
  • Intro BT APR 0% intro APR for 18 months on Balance Transfers
  • Rewards Rate Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Regular Purchase & BT APR 19.24% - 29.24% (Variable)
  • Annual Fee $0
  • Credit Needed Fair/Good/Excellent
  • Card Brand Mastercard®

Highlights

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

See additional details for Citi Double Cash® Card

Our pick for choosing your own cash back rewards

Bank of America® Customized Cash Rewards credit card
 

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  • Intro APR 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Sign-Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Rewards Rate 3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases.
  • Annual Fee $0
  • Credit Needed Good/Excellent
  • Card Brand Visa®
  • Intro APR 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Sign-Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Rewards Rate 3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases.
  • Annual Fee $0
  • Credit Needed Good/Excellent
  • Card Brand Visa®

Highlights

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Our pick for low-maintenance earning

Citi Custom Cash® Card
 

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Rates & Fees
  • Sign-Up Bonus Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
  • Rewards Rate Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • Intro APR 0% intro APR for 15 months on Purchases and balance transfers, then 19.24% - 29.24% (Variable)
  • Annual Fee $0
  • Credit Needed Fair/Good/Excellent
  • Card Brand Mastercard®
  • Sign-Up Bonus Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
  • Rewards Rate Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • Intro APR 0% intro APR for 15 months on Purchases and balance transfers, then 19.24% - 29.24% (Variable)
  • Annual Fee $0
  • Credit Needed Fair/Good/Excellent
  • Card Brand Mastercard®

Highlights

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.

See additional details for Citi Custom Cash® Card

Citi Rewards+® Card
 

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Rates & Fees
  • Intro APR 0% intro APR for 15 months on Purchases on purchases and 0% intro APR for 15 months on Balance Transfers on balance transfers
  • Rewards Rate Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • Regular APR 18.74% - 28.74% (Variable) on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Good/Excellent
  • Card Brand Mastercard®
  • Intro APR 0% intro APR for 15 months on Purchases on purchases and 0% intro APR for 15 months on Balance Transfers on balance transfers
  • Rewards Rate Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • Regular APR 18.74% - 28.74% (Variable) on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Good/Excellent
  • Card Brand Mastercard®

Highlights

  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • No Annual Fee

See additional details for Citi Rewards+® Card

USAA Rate Advantage Credit Card
 

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  • Intro BT APR 0% intro APR for 15 months on balance transfers, then 12.15% to 27.15% variable regular APR
  • Eligibility Must be a USAA member, or become a member, to apply.
  • Rates & Fees $0 annual fee, no penalty APR & no foreign transaction fee
  • Annual Fee $0
  • Credit Needed Good/Excellent
  • Card Brand Visa®
  • Intro BT APR 0% intro APR for 15 months on balance transfers, then 12.15% to 27.15% variable regular APR
  • Eligibility Must be a USAA member, or become a member, to apply.
  • Rates & Fees $0 annual fee, no penalty APR & no foreign transaction fee
  • Annual Fee $0
  • Credit Needed Good/Excellent
  • Card Brand Visa®

Highlights

  • Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 12.15% to 27.15% will apply to introductory balances.
  • A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
  • Take advantage of USAA's lowest interest rate card, whether you’re making a purchase or transferring a balance.
  • Pay less in interest if you carry a balance from month to month.
  • Enjoy the same low variable regular APR on purchases, balance transfers, and cash advances.
  • No annual fee.
  • No foreign transaction fees.
  • See Rates and Fees for details.

See additional details for USAA Rate Advantage Credit Card

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

Compare 0% Balance Transfer Credit Cards & Offers

One of the main reasons that people shop for a new credit card is in order to find banks that offer special 0% balance transfer credit cards for the longest period of time and with low transfer fees. In recent years consumers have started to use credit cards more wisely than they did before the big credit crisis. Now they tend to shift high-interest card balances to cards that offer a lower APR, because in doing so they are able to gain immediate and substantial savings.

Look in this section for the best balance transfer credit cards that offer good deals such as 0% interest for 1 to 2 years and lower regular APR rates. You will want to pay special attention to any minimum charges or transfer % that a credit card company might impose on you for transferring a balance – deduct that cost from your overall savings in order to arrive at a real net savings for transferring to a new credit card.

Let’s say that you have a card that you’re currently paying 25% interest on, but you find a card here that will only charge you 3.99% for the first year and 18% thereafter. By moving your balance to the new card you can save more than 20% right away, and 7% over the long term. If your transfer amount is $3,000 that means you save around $500– $600 in interest within the next 12 months.


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