Balance Transfer Resources

A balance transfer card is a credit card that offers an intro 0% APR period for balances you transfer. Intro periods can range anywhere from 6 months all the way up to 21 months and may or may not include a 3%-5% balance transfer fee. If there’s a balance transfer fee, it’s most often outweighed by the amount you save on interest payments during the intro period. If you have debt on a high interest credit card, a balance transfer can be a great way to dig yourself out of debt — as long as you pay off your balance in full before the intro 0% APR period ends. On this page, we’ll provide you tips for completing a balance transfer, our recommendations for the best balance transfer cards, in-depth reviews of numerous credit cards that offer balance transfer intro periods and step-by-step guides on how to complete balance transfers with the top issuers

The Best Balance Transfer Cards

Discover it® Balance Transfer is our top pick for balance transfer cards.


In our review of the best balance transfer cards, we’ve selected cards that suit a variety of consumer needs. Our recommendations are broken up by the best overall balance transfer card, longest intro period, best option with rewards, best option for carrying a balance post-intro period, and best no-fee balance transfer card. When deciding which card is best for each category, we weighed balance transfer fee and 0% intro period the most and considered other features, including APR, annual fee, and rewards. Read the full round-up here.

Balance Transfer Card Reviews

We have reviewed numerous credit cards offering intro 0% APR periods for balance transfers. The reviews mentioned below aren’t necessarily the best offers available, as some cards offer no-fee transfers or longer intro periods than others. We recommend reading several reviews and comparing offers to find the balance transfer card that’s best for you.

Balance Transfer How-Tos