Best Balance Transfer Credit Cards

Do you have high-interest credit card debt you're struggling to pay off? 

You're not alone. In 2020, 57% of U.S. households carried a balance on their active credit card accounts. If you're suffering from high interest rate charges, transfer your debt to one of these balance transfer cards with 0% intro APR and start saving money.     

Citi® Diamond Preferred® Card

on Citibank's secure site

 

Rated 5/5 stars by our editorial team

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4.3/5.0 from 579 Offer Ratings
Over the Past 60 Days!

(579) Over the Past 60 Days!

Benefits: This $0 annual fee card towers above others with one of the longest periods of 0% intro APR on balance transfers available. Take advantage of an ultra-long intro APR of 0% for 21 months on Balance Transfers, then 13.74% - 23.74% (Variable) APR after that. And if you have a big purchase, event or trip coming up, the Citi® Diamond Preferred® Card comes with an amazing intro APR of 0% for 12 months on Purchases and then 13.74% - 23.74% (Variable) APR after that. Take up to a full year to pay down your balance without worrying about interest piling up. Plus, enjoy extra features that are usually only available on premium high-annual fee cards. Get free access to your FICO® score online. With Citi Entertainment, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.


The Bottom Line: This is a simple, yet very powerful credit card. If you are interested in transferring a balance to a 0% intro APR card, this is our highest rated card for anyone carrying a large balance. The extra interest-free time could allow you to make significantly more headway paying down your balance. With its long-term 0% intro APR you can save hundreds in interest charges.

Wells Fargo Active Cash℠ Card

on Wells Fargo's secure site

 

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3.9/5.0 from 829 Offer Ratings
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(829) Over the Past 60 Days!

Benefits: The Wells Fargo Active Cash℠ Card is an absolute game-changer in the rewards space with the most impressive unlimited cash back rate we’ve ever seen on a no-annual-fee card. It all starts with its headline feature: cardholders earn unlimited 2% cash rewards on purchases with no restrictions on categories and no expiration date on rewards. Let that sink in – no other card on the market today offers such a high rate of truly unlimited cash back. So if you’re looking for a no-maintenance card that can help you maximize your returns on every purchase you make, this is absolutely it.

But this no-annual fee card isn’t just good for rewards – it’s also an excellent way to mitigate the cost of a large expense or get out of debt. The Wells Fargo Active Cash℠ Card offers over a year of 0% intro APR on purchases: 0% intro APR for 15 months from account opening on purchases, then 14.99%-24.99% (Variable) APR after that intro period is up. And if you’re transferring a balance from a high-interest credit card, you can get the same period of 0% intro APR: 0% intro APR for 15 months from account opening on qualifying balance transfers, then 14.99%-24.99% (Variable) APR after that. This gives you incredible flexibility in covering life’s unexpected (and often expensive) developments, and with this card’s already industry-leading rewards program you can feel confident always having this card in your wallet.

The Bottom Line: This card’s high rate of unlimited cash back rewards makes it unique among no annual fee cards – if you’re looking for the best unlimited cash back card on the market, you’ve found it.

Citi Simplicity® Card

on Citibank's secure site

 

Rated 4.5/5 stars by our editorial team

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3.9/5.0 from 270 Offer Ratings
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(270) Over the Past 60 Days!

Benefits: Imagine getting almost two years with 0% intro interest on a balance transfer. Reshape your financial picture with this industry-leading low-interest card from Citi.

For people who want to kick high-interest credit card debt to the curb, this is one of the best get-out-of-debt cards available. Transfer your high interest debt to this card with an intro APR of 0% for 21 months on Balance Transfers; after that, an APR of 14.74% - 24.74% (Variable) applies. Your payments will go directly to paying down your balance for nearly two years. That could save you hundreds of dollars in interest. Plus, you will get generous intro APR of 0% for 12 months on Purchases, then 14.74% - 24.74% (Variable) APR after that. Citi keeps it simple. It’s the only card with no late fees, no penalty rate, and $0 annual fee. If you’re one to forget about a payment or two, this card is perfect for you.

Bottom Line: With its long-term 0% intro APR you could save hundreds in interest charges and pay off your debt faster. If you forget a payment, this card can save you money with $0 late fees, most credit cards charge around $35 for a late payment fees. Citi Simplicity® Card has one of the longest intro APR periods available and is one of the easiest credit cards to use.

Citi® Double Cash Card – 18 month BT offer

on Citibank's secure site

 

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4.2/5.0 from 217 Offer Ratings
Over the Past 60 Days!

(217) Over the Past 60 Days!
Benefits: This credit card has an intro APR of 0% for 18 months on Balance Transfers, then 13.99% – 23.99% (Variable), no annual fee and only requires good credit. That’s not even the best part. This card earns you 1% cashback on everything with no limit, and another 1% when you pay off your bills at the end of the month!

Unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases makes this card one of the best credit cards for balance transfers and cash back rewards. It’s great for transferring high-interest debt, and getting cash back for any purchases without having to worry about rotating categories.

You can save over $800 in interest charges if you transfer $5,000 in interest accruing charges at a 20% APR. On top of that, if you spend $500 each month on common purchases you can earn $5 on purchase and another $5 when you pay it off. That’s $120 in annual rewards!

The Bottom Line: The Citi Double Cash card is an industry leader for cash back rewards with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. When you add in the intro APR of 0% for 18 months on Balance Transfers you’re looking at a very powerful card that you can use to save money on high-interest debt, then use as a cash rewards card afterwards. All of this make this card one of our most popular offers.

Citi Rewards+® Card

on Citibank's secure site

 

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4.3/5.0 from 74 Offer Ratings
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(74) Over the Past 60 Days!

Benefits: Take advantage of intro APR 0% for 15 months on purchases then 13.49% - 23.49% (variable) and intro APR 0% for 15 months on balance transfers then 13.49% - 23.49% (variable).

Earn more points on every purchase (even the little ones). The Citi Rewards+® Card is the only card that automatically rounds up every purchase to the nearest 10 points. That means when you buy a $2 coffee, you’d earn 10 points back. 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. There is a low spending requirement to earn the sign-up bonus. 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.

The Bottom Line: This attractive new rewards card from Citi includes long zero intro interest on both purchases and balance transfers, a nice sign-up bonus all with $0 annual fee. This is a great everyday rewards card with an attractive balance transfer offer.

Citi Custom Cash℠ Card

on Citibank's secure site

 

Rated 5/5 stars by our editorial team

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4.2/5.0 from 335 Offer Ratings
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(335) Over the Past 60 Days!
Benefits: The Citi Custom Cash℠ Card is one of the most innovative cards on the market, offering a rewards program that tailors itself to your spending habits and over a year of 0% intro APR on purchases and balance transfers. It all starts with the incredible suite of cash back rewards. 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. Unlike many cards that require you to go in and manually select a top cash back category, this card automatically determines the category where you’ve spent the most and applies the highest rate of cash back return, ensuring you’ll always be maximizing your earning potential. And it only gets better for new customers. Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

The Citi Custom Cash℠ Card also makes for a great everyday card if you have a large purchase on the horizon or are looking to transfer high interest credit card debt. You’ll get 0% intro APR for 15 months on purchases, then 13.99% – 23.99% (Variable) APR based on creditworthiness. It's the same for balance transfers: 0% intro APR for 15 months on balance transfers, then 13.99% – 23.99% (Variable) APR after that intro period is up. Even better, this card also sports a $0 annual fee.

The Bottom Line: This card really surprised us with its unique and innovative rewards program, and its extensive suite of other features make it one you shouldn’t miss. If don’t want to bother with remembering to enable your rotating cash back categories, this is the ideal card for you.

U.S. Bank Altitude® Go Visa Signature® Card

on U.S. Bank's secure site

 

Rated 4/5 stars by our editorial team

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3.8/5.0 from 61 Offer Ratings
Over the Past 60 Days!

(61) Over the Past 60 Days!

Benefits: The U.S. Bank Altitude® Go Visa Signature® Card is a great choice for nearly everyone – right off the bat, this card makes transferring your current credit card balance easy with 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening and a 14.99% - 23.99%* (Variable) rate once the intro period is over.

Where this card really shines though is in its rewards. Earn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases. As if that wasn’t enough, this card also has a strong sign-up bonus. Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. Plus, all this comes with no annual fee.

The Bottom Line: Between an outstanding sign-up bonus, strong ongoing rewards and competitive intro APR period on balance transfers, the U.S. Bank Altitude® Go Visa Signature® Card is a great choice across the board.

Discover it® Balance Transfer

on Discover's secure site

 

Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 97 Offer Ratings
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(97) Over the Past 60 Days!

Benefits: The Discover it® Balance Transfer credit card offers a blockbuster combination of 0% intro APR on purchases and balance transfers with the opportunity to earn 5% cash back at different places each quarter up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically. And that rewards program only gets better when you consider this card's astonishing sign-up feature: Unlimited Cashback Match – 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. While this card has an incredibly competitive suite of rewards, where the Discover it® Balance Transfer credit card really sets itself apart from the competition comes in the form of the long periods of 0% intro APR on offer for both purchases and balance transfers. If you want to transfer debt from a high-interest credit card, you can enjoy an intro APR of 0% Intro APR for 18 months on balance transfers, 11.99% - 22.99% Variable APR after that. Even better, you can use all that extra interest-free time combined with the cash-back rewards you'll earn to pay down your debt even faster! Plus, enjoy added flexibility on purchases with an intro rate of 0% intro apr for 6 months, followed by 11.99% - 22.99% Variable APR.

The Bottom Line: If you looking for a balance transfer credit card that teams up with a cash back rewards system, this card is right up your alley. It has a unique sign-up bonus system that doubles your cash back at the end of your first year. So if you’re in the market for a rewards card and would like to transfer your current balance, this card is perfect for you.

Wells Fargo Reflect℠ Card

on Wells Fargo's secure site

 

Rated 4/5 stars by our editorial team

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3.7/5.0 from 162 Offer Ratings
Over the Past 60 Days!

(162) Over the Past 60 Days!

Benefits: If you’ve got a substantial expense looming on the horizon, the Wells Fargo Reflect℠ Card has you covered with 18 months of 0% intro APR on purchases followed by an ongoing 12.99%-24.99% Variable APR after that. But where this card really sets itself apart is by giving you the opportunity to extend that already top-shelf savings period by up to another 3 months if you make all your minimum monthly payments on-time; that has the potential for an outstanding 0% intro APR up to 21 months from account opening - almost two years!

And the same offer applies to balance transfers as well – if you’re transferring a balance from a different high-interest credit card, you could get 0% intro APR up to 21 months from account opening on qualifying balance transfers if you make all your minimum monthly payments, with the same 12.99%-24.99% Variable APR after that. This $0 annual fee card is an exceptional savings tool because it rewards you for what you should already be doing – promptly paying down your credit card debt – and with such generous windows on interest-free time to make that happen, you could end up saving hundreds of dollars in interest fees alone. If you’re looking to get out of debt without getting buried under a massive pile of fees, this could be just the card for you.

The Bottom Line: We're really excited about the Wells Fargo Reflect℠ Card because it's laser-focused on just one thing: saving you money in the long run on interest charges by offering some of the longest periods of 0% intro APR on purchases and balance transfers you’ll find out on the market today.

Apply now for one of these top balance transfer cards and say goodbye to high interest credit card debt.

*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.