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What’s the best way to pay down a credit card balance as quickly as possible? Get a new balance transfer card with long 0% intro APR on balance transfers that earns you valuable cash rewards.
You can immediately stop new high interest credit card charges from piling onto your monthly statement. Transfer your debt to a new card with a 0% intro APR offer on balance transfers. Then, every penny of your payment will go toward paying your debt for the promotional APR period, which can last up to 18 months.
Here’s how these valuable cards work. If you transfer a $5,000 balance onto a card that offers 15 months of 0% intro APR with a 3% balance transfer fee and pay $344 per month plus earn cash-back on everyday essentials*, you could pay down your debt faster.
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We’ve done the research. These are the best balance transfer cards with rewards. These cards give you long 0% introductory interest on balance transfers and generous cash back rewards or points. Compare the length of the 0% intro interest period, balance transfer fees and rewards levels to choose the best match for you.
Key features: This cash-back card offers 0% intro on balance transfers for 15 months. Plus, make new purchases worry free with 0% intro on purchases for 15 months. You earn cash in two ways when you use this card. First, earn a one-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening. Second, you'll take home an unlimited 1.5% cash back on every purchase, every day. No headaches remembering rotating bonus categories, you will earn cash on everything you buy.
Balance transfer fee: 3%
Annual fee: $0
Key features: It’s not how you start. It’s how you finish. The Discover it® Balance Transfer gives you one of the longest 0% interest periods available to pay down debt.
Get the ball rolling with intro interest 0% for 18 months on balance transfers. Take up to a year and a half to pay down your balance with no new interest charges piling up. Even when you are tackling debt, you still need to buy gas, groceries and shop at wholesale clubs. Use the cash-back rewards from this card to pay down your debt faster.
Earn Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. At the end of your first year, you’ll get a welcome cash bonus from this card to help you down the homestretch. Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched. That means, if you earn $200 in cash back in your first year, Discover will match it, making your total cash back for the year $400! Don’t let debt knock you down. This game changing card gives you all the tools you need to beat the clock on high interest charges.
Balance transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*. That equals $150 on a $5,000 balance transfer. You could earn much more in cash back rewards, plus save hundreds in dollars in high interest charges with this balance transfer winner.
Annual fee: $0
Key features: This balance transfer card comes with a generous on-going cash-back rewards. The Chase Freedom Unlimited® comes with a long 0% Intro APR for 15 months on balance transfers. Plus, you get flexibility with 0% Intro APR for 15 months on purchases. The standout features are the rich cash rewards.
Earn: 1.5% cash back offer..
Balance transfer fee: 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5, then either $5 or 5% of the amount of each transfer, whichever is greater.
Annual fee: $0
Key features: Drive away with long 0% interest with the Bank of America® Cash Rewards credit card in your wallet. This card offers a sparkling combination of a big cash sign-up bonus, 0% interest, and generous cash-back on things you buy every day.
Hit the brakes on high-interest charges now. This card offers 0% Introductory APR on purchases for 15 billing cycles and 15.49% - 25.49% Variable APR after that. You could save hundreds of dollars in interest with this card.
Enjoy a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. This groundbreaking offer lets you choose how you earn 3% cash back! Choose from gas, online shopping, dining, travel, drug stores and home improvement and furnishings. Earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, 1% on all other purchases
Balance transfer fee: Either $10 or 3% of the amount of each transaction, whichever is greater.
Annual fee: It’s hard to believe this fully loaded card comes with $0 annual fee.
Key features: The standout feature is a generous Welcome Offer: $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. Take advantage of lengthy 0% intro APR on purchases and a balance transfer while scooping up unlimited 1.5% cash back on your purchases with the American Express Cash Magnet® Card – $150 Welcome Offer.
Transfer your balance and whittle away at debt faster with intro APR 0% on balance transfers for 15 months then 14.49%-25.49% variable. This fully loaded card also comes with intro APR 0% on purchases for 15 months then 14.49%-25.49% variable. Every penny of your payment will trim your balance during the 0% intro interest period, with no monthly interest charges piling up. Use the cash back earned to pay down your debt faster.
You’ll appreciate the legendary American Express customer service and cardholder benefits which include extended warranty, car rental loss and damage insurance and purchase protection.
Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Annual fee: $0
Credit card offers change frequently. There’s no telling how long these remarkable offers will last. Apply now and start your journey toward becoming debt free today!
*How we calculated cash-back on every day essentials on a card that offers unlimited 1.5% cash back and a $150 sign-up bonus: Monthly spend: Groceries $400, Gas $100, Cell phone bill $75, Utilities $100 totals $675/month. When you buy items worth $675/month on a card with a 1.5% unlimited cash back you earn $151.80 in cash back over 15 months, (combined with a $150 first-year sign-up bonus) your first-year cash-back totals $301.80.