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.    

BankAmericard® credit card

 

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Benefits: This card just upped its game, extending the intro APR period. That makes it one of the best balance transfer cards now available.

Take advantage of extra-long intro APR on purchases and balance transfers with this $0 annual fee card. Finance a new purchase with generous 0% Introductory APR on purchases for 18 billing cycles then 14.49% - 24.49% Variable APR. That means no monthly interest charges will pile up during the promo period. Stop paying high interest charges with 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days then 14.49% - 24.49% Variable APR. That means your payments can go entirely toward reducing your debt for over a year.

The Bottom Line: This easy to use card gives you tools to regain control over your financial life and put time on your side to pay down debt faster. Unlike some other cards, there is no penalty APR. That means a late payment won’t automatically raise your interest rate. The balance transfer fee is either $10 or 3% of the amount of each transaction, whichever is greater. Get a better interest rate now with BankAmericard® credit card.

Capital One® Quicksilver® Cash Rewards Credit Card

 

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Benefits: Turbo charge your plans to ditch debt with this easy-to-use card that will pay you unlimited 1.5% cash back on every purchase, every day. Use the cash-back rewards to pay down your debt faster! Earn cash in two ways when you use this card. First, get 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. Pile those unlimited cash rewards back onto your balance and say goodbye to your debt faster! This card offers 0% intro on balance transfers for 15 months then 15.49% - 25.49% (Variable) APR. Get 0% intro on purchases for 15 months then 15.49% - 25.49% (Variable) APR with this card! There is a 3% balance transfer fee, but the cash rewards could easily offset that over the long run.

The Bottom line: This card is a great choice if you want to earn cash back rewards, while enjoying long 0% intro APR. If your credit has a few blemishes, don't worry. This card is a fantastic option if you have good credit. The $0 annual fee makes it a cost-effective choice for ditching debt.

Discover it® Balance Transfer

 

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Benefits: This card has a sign-up bonus loaded with potential: you can turn $200 into $400 with Cashback Match. If you’re a new card member, you can automatically double your rewards within the first year of having the card. You also earn 5% cash back from rotating categories like gas stations, department stores, Amazon.com or restaurants for up to $1,500 every quarter when you activate online. You’ll also get 1% cash back on everything else.

There is also no annual fee, and you will get 0% intro APR on purchases for 6 months and 0% intro APR on balance transfers for 18 months. The ongoing APR is 13.49% - 24.49% Variable.

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.

Chase Freedom Unlimited®

 

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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 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 that set this apart from other low interest offers are the rich cash rewards. Earn, 1.5% cash back offer.. Just think how much faster you can pay down your balance with the big cash back rewards. The balance transfer fee is 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..

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.

Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

 

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Benefits: Hit the brakes on high-interest charges now. Drive away with lengthy intro APR on a balance transfer with the Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer in your wallet. This card offers a sparkling combination of long 0% intro interest, a big cash sign-up bonus and generous cash-back on things you buy every day.

You could save hundreds of dollars in interest with 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. Then 15.49% - 25.49% Variable APR. Enjoy a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Pile that on your balance to get out of debt faster. 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

The Bottom Line: If you want to choose how you earn cash back rewards, this is the only card that lets you choose your rewards category to match your buying habits. Choose from gas, online shopping, dining, travel, drug stores and home improvement and furnishings. It’s hard to believe this fully loaded card comes with $0 annual fee.

Blue Cash Preferred® Card from American Express

 

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Benefits: If you buy groceries and gas, earn industry-leading cash back on these items with this card. Rely on the generous balance transfer terms to kickstart your get out of debt plan. Transfer your high interest balance to this card with intro APR 0% for 12 months then 14.49%-25.49% Variable.


Start off with a generous welcome offer $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. This card offers an extraordinary 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations and 1% Cash Back on other purchases. If you spend $500 per month on groceries, over the course of a year, you'll earn $360 cash back for food you are already buying. You will also get sizable cash back at U.S. gas stations, plus 1% cash back on everything else. There is a $95 annual fee, but the welcome offer alone covers the cost of that for two years.


The Bottom Line: Earn best-in-class cash-back on gas and groceries with no rotating categories. Use the piles of cash back you could earn with this card to pay down your debt faster.

Capital One® SavorOne® Cash Rewards Credit Card

 

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Benefits: Get out of debt faster with help from an industry leading rate of year-round cash back on dining and entertainment with this fully loaded low-interest card. Take advantage of 0% intro on balance transfers for 15 months then 15.49% - 25.49% (Variable) APR. Pay your debt down faster when every penny of your payment goes to the balance during the promo period. The annual fee is $0.


Bottom line: If you go to sporting events, restaurants, fast-food places, bars or movies, this high-paying cash back card is a great choice to maximize cash back rewards on things you buy. Watch your rewards pile up fast with 3% cash back on dining; 3% cash back on entertainment; 2% cash back at grocery stores; 1% cash back on all other purchases. You can earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening. Unlike other cards that come with quarterly caps on the amount of bonus cash you can earn, there’s no limit to how much cash back you can earn on this card.

American Express Cash Magnet® Card – $150 Welcome Offer

 

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Benefits: This balance transfer card offers a generous cash Welcome Offer. Get a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. Plus you’ll get unlimited 1.5% cash back on your purchases. Use that generous cash back to pay down your balance faster! 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. Every penny of your payment will trim your balance during the 0% intro interest period, with no monthly interest charges piling up. Finance new purchases with intro APR 0% on purchases for 15 months then 14.49%-25.49% variable.

This card makes budgeting easy. The innovative repayment feature “Pay It Plan It™” allows you to pay for certain purchases of $100 or more in installments. Get all this for $0 annual fee.

Bottom line: If you want to pay down a balance faster, the Welcome Offer and high rate of on-going cash back can help you get there faster.

Wells Fargo Platinum card

 

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Benefits: Take control of your finances with the Wells Fargo Platinum card. This $0 annual fee card gives you a long 0% for 18 months on qualifying balance transfers on balances transfers. If you only make the minimum payments on high-interest credit card debt, it could take years to pay it off. Using a card like this means every cent you pay during the intro period will go toward paying down your balance. Wells Fargo is one of the few card issuers to offer generous cell phone protection. This card offers up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card.

The Bottom Line: This card gives you all the tools you need to get out of debt. If you are looking to make a big purchase, you will also get an extended intro APR 0% for 18 months on purchases with this card.

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

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