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.    

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.

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.

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 12.99%-23.99% 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 12.99%-23.99% 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.

Blue Cash Everyday® Card from American Express

 

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Benefits: If you spend on groceries and gas, this card offers you a smart way to tackle your high-interest debt, while scoring exceptionally high cash-back rewards. Take advantage of intro APR of 0% on purchases for 15 months on purchases and 0% on balance transfers for 15 months on balance transfers with this $0 annual fee card. You'll get well over a year to chip away at your high-interest debt when you transfer your balance to this card, while earning serious cash-back along the way. You can pocket 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations and at select U.S. department stores. 1% cash back on other purchases. Plus, you will take home a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Plow your sign-up bonus and cash-back earned back onto your balance, and this card can help you pay down your debt faster.

The Bottom Line: This is an outstanding choice if you are looking to hit the brakes on high-interest debt, while earning a big rewards rate on your grocery and gas spending. It's hassle-free, high earning card with, no rotating bonus categories. The $0 annual fee means you won't pay more to tackle your high-interest debt.

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.

Chase Freedom®

 

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Benefits: True to its name, this card offers freedom from monthly interest charges for well over a year, with a surprising cash-back twist. Rely on Chase Freedom® for 0% Intro APR on Purchases for 15 months then 16.49% - 25.24% Variable. Break free from high-interest debt with 0% Intro APR on Balance Transfers for 15 months then 16.49% - 25.24% Variable. Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening. It gets even better. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories every 3 months. Unlimited 1% cash back on all other purchases.

The Bottom LineThis card offers a winning combination of one of the highest rates of cash-back available on rotating categories, extended 0% intro interest and $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% on balance transfers for 12 months then 12.99%-23.99% 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%). 6% Cash Back on select U.S. streaming subscriptions 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.

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

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