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.    

Discover it® chrome

on Discover's secure site

 

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3.8/5.0 from 1,263 Offer Ratings
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Benefits: If you like 0% intro APR on purchases and balance transfers for over a year, no annual fee, no foreign transaction fees, no overlimit fee, and a free pass the first time you miss a payment, the Discover it® chrome credit card comes with everything you want! Cardholders get an intro APR of 0% intro for 14 months on both purchases and balance transfers, then 11.99% - 22.99% variable. With the Discover it® chrome credit card you can earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. plus, earn unlimited 1% cash back on all other purchases – automatically. Rewards can be redeemed at any time and never expire. Cardholders can choose to have their cash back rewards credited to their account, donate them to a charity of their choice, or to pay for items from select online retailers. Discover will automatically match all the cash back you've earned at the end of your first year of cardmembership. Cardholders will also enjoy no fraud liability on unauthorized purchases.

The Bottom Line: If you’re considering a rewards card, planning to make a large purchase or needing to transfer a current balance, this card is perfect for you.

Discover it® Cash Back

on Discover's secure site

 

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3.7/5.0 from 1,813 Offer Ratings
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Benefits: Transfer your high-interest balance to this card with intro APR 0% for 14 months then 11.99% - 22.99% Variable. 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. Then, 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. Just a dollar-for-dollar match. That means, if you earn $300 in cash back in your first year, Discover will match it, making your total cash back for the year $600! Log into your Discover account each quarter to activate the 5% cash-back bonus. The popular spending categories include gas stations, wholesale clubs, grocery stores, restaurants and Amazon.com. With your first-year sign-up bonus, take home an incredible 10% cash back on category spending. Finance purchases with intro APR 0% for 14 months then, 11.99% - 22.99% Variable after that. Get all this for $0 annual fee.

The Bottom Line: When it comes to cash-back credit cards the Discover it® Cash Back is in a league of its own. Not only can you earn generous cash back rewards, this card comes with long 0% intro APR on balance transfers and purchases.

Chase Freedom Unlimited®

on Chase's secure site

 

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3.8/5.0 from 30 Offer Ratings

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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 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.

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