Best Balance Transfer Credit Cards

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

You're not alone. In 2019, 55% of U.S. households had some sort of credit card debt. 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.    

Chase Freedom Unlimited®

on Chase's secure site


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3.9/5.0 from 428 Offer Ratings


Benefits: This balance transfer card comes with a generous on-going cash-back rewards. Use that cash-back to help pay down your debt faster. The Chase Freedom Unlimited® comes with a long N/A on balance transfers. Plus, you get flexibility with 0% Intro APR for 15 months on purchases. The standout features that set this apart from other low interest offers are the rich cash rewards. Earn, earn unlimited 1.5% cash back on all purchases.. Just think how much faster you can pay down your balance with the big cash back rewards. The balance transfer fee is either $5 or 5% of the amount of each transfer, whichever is greater..

The Bottom Line: This is an enticing balance transfer offer, with a long 0% intro APR period. The cash-back gives you an extra boost and can help you reach your goal faster.

Citi® Diamond Preferred® Card

on Citibank's secure site


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Benefits: This $0 annual fee card towers above others with the longest 0% intro APR on balance transfers available. Take advantage of ultra-long intro APR 0% for 18 months on Balance Transfers. Every penny of your payment will go toward paying your debt for 21 months. If you have a big purchase, event or trip coming up, the Citi® Diamond Preferred® Card comes with an amazing 0% for 18 months on Purchases. Take up to a full year to pay down your balance without worrying about interest piling up. 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. Get 0% intro APR for almost two years on balance transfers. 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.

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