Best Balance Transfer Credit Cards | CompareCards.com

Best Balance Transfer Credit Cards

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

You're not alone — nearly half of Americans carry a balance on their credit cards from month to month. 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

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Citi<sup>®</sup> Diamond Preferred<sup>®</sup> Card
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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% intro APR for 21 months on Balance Transfers, then 18.24% - 28.99% (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% intro APR for 12 months on Purchases and then 18.24% - 28.99% (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

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Wells Fargo Active Cash<sup>®</sup> Card
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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 card with a $0 annual fee. 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 $0-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 20.24%, 25.24%, or 29.99% 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 20.24%, 25.24%, or 29.99% 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 $0 annual fee cards – if you’re looking for the best unlimited cash back card on the market, you’ve found it.

Citi Double Cash® Card

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Citi Double Cash<sup>®</sup> Card
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Benefits: This credit card has an intro APR of 0% intro APR for 18 months on Balance Transfers, then 19.24% - 29.24% (Variable), and no annual fee. That’s not even the best part. This card earns you 1% cash back 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: This 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% intro APR 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.

Blue Cash Everyday® Card from American Express

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Blue Cash Everyday<sup>®</sup> Card from American Express
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Benefits: If you want to earn generous cash back without an annual fee and you buy groceries and gas every week, this card could be a perfect match for you. Right out of the gate, new cardholders get access to an amazing welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.  On top of that, your rewards could add up fast when you factor in this card's top-of-the-line rewards program. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply.

But this card isn't just about rewards. You can save on interest with an intro purchase APR of 0% on purchases for 15 months then 19.24%-29.99% Variable APR after that - that long 0% APR period means you won't have to worry about interest charges piling up for more than a year. It's the same for balance transfers: 0% on balance transfers for 15 months, then 19.24%-29.99% Variable APR.

The Bottom Line: This is a valuable $0 annual fee cash back card that rewards you for things you buy every day - it's just that easy.

*To see rates & fees for Blue Cash Everyday® Card from American Express, please click here.

Blue Cash Preferred® Card from American Express

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Blue Cash Preferred<sup>®</sup> Card from American Express
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Benefits: The Blue Cash Preferred® Card from American Express offers a financial one-two punch: a super-valuable rewards rate and a super-long intro APR period. As a new cardholder, you get 0% on balance transfers for 12 months, and then 19.24%-29.99% Variable after the intro period. That’s a full year to pay down your balance without accruing interest. And the rewards rate does not disappoint. You earn massive rewards on everyday purchases like gas, groceries, streaming services, and transit. With regular use, this card makes it easy to earn cash back. It’s worth noting that there is a $0 intro annual fee for the first year, then $95.. We think the fee after year one is pretty reasonable though, especially considering the ongoing value of the rewards rate.

The Bottom Line: The Blue Cash Preferred® Card from American Express is great for meeting both short-term and long-term financial goals. With a full year of 0% intro APR, this card helps you reach the more immediate goal of paying off debt faster, without accruing more interest. And when you reach the one-year mark, the value doesn’t stop. You can earn massive cash-back rewards on everyday purchases, helping you meet your long-term savings goals.

*To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.

Citi Simplicity® Card

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Citi Simplicity<sup>®</sup> Card
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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% intro APR for 21 months on Balance Transfers; after that, an APR of 19.24% - 29.99% (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% intro APR for 12 months on Purchases, then 19.24% - 29.99% (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.

Discover it® Chrome

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Discover it<sup>®</sup> Chrome
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Benefits: Unlock a super-long 0% intro APR period with this valuable offering from Discover. New cardholders can take advantage of 0% Intro APR for 18 months for balance transfers, and then 18.24% - 28.24% Variable APR after the intro period. And on top of the appealing 0% APR offer, there's a valuable end-of-year bonus for new cardholders and an appealing rewards rate. As a cardholder, you can earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.. You’ll also get the famous Unlimited Cashback Match for all new cardmembers – 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. Just a dollar-for-dollar match..

The Bottom Line: With a long 0% APR period on balance transfers, a powerful rewards rate, and a generous welcome offer, this card is a debt-fighting heavyweight. And did we mention the annual fee is $0?

Citi Custom Cash® Card

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Citi Custom Cash<sup>®</sup> Card
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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. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025. 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 $1500 on purchases in the first 6 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 19.24% - 29.24% (Variable) APR based on creditworthiness. It's the same for balance transfers: 0% intro APR for 15 months on Balance Transfers, then 19.24% - 29.24% (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.

Chase Freedom Unlimited®

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Chase Freedom Unlimited<sup>®</sup>
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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® card comes with a long 0% Intro APR on Balance Transfers for 15 months, followed by an ongoing 20.49% – 29.24% Variable APR. Plus, you get flexibility with 0% Intro APR on Purchases for 15 months, with 20.49% – 29.24% Variable APR after that intro period is up. The standout features that set this apart from other low interest offers are the rich cash rewards. With this card, enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other 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 3% of the amount of each transfer, whichever is greater in the first 60 days. 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® Customized Cash Rewards credit card

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Bank of America<sup>®</sup> Customized Cash Rewards credit card
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Benefits: The Bank of America® Customized Cash Rewards credit card starts off with lengthy periods of 0% intro APR on purchases and balance transfers. Enjoy 0% Intro APR for 15 billing cycles for purchases and then 19.24% - 29.24% Variable APR after that to help you pay off big ticket items without running up a large interest bill. And if you’re looking to consolidate debt, get 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days and then 19.24% - 29.24% Variable APR on balance transfers after that intro period is up.

But where this card really shines is in its unique three-tiered rewards program. You can earn 3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases. Plus, if you’re a new cardholder, $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. And since this card has no annual fee, you can maximize your rewards without having to worry about extra costs.

Bottom Line: The Bank of America® Customized Cash Rewards credit card is one of our favorites because of its incredibly robust and flexible cash back program. If you find yourself wanting to switch up your spending frequently, this a card you shouldn’t pass up.

Citi Rewards+® Card

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Citi Rewards+<sup>®</sup> Card
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Benefits: Take advantage of intro APR of 0% intro APR for 15 months on Purchases on purchases then 18.74% - 28.74% (variable) and intro APR 0% intro APR for 15 months on Balance Transfers on balance transfers then 18.74% - 28.74% (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. Special offer: earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025..

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.

TD Double Up Credit Card

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TD Double Up Credit Card
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Benefits: This card is a lean, mean, debt-fighting machine. Right off the bat, cardholders can take advantage of 0% introductory APR balance transfers for first 15 billing cycles after account opening. After that 20.24%, 25.24% or 30.24% variable APR based on your credit worthiness. With a 0% APR period this long, you can put all of your monthly payments toward shrinking your principal balance, instead of shelling out potentially hundreds on interest payments each month.

The benefits don’t stop at the lengthry 0% intro APR period though. This card also comes loaded with an impressive rewards rate — you can earn Earn unlimited 2% Cash Back on all eligible purchases. In the world of $0-annual-fee cards, a baseline rewards rate this high is relatively rare. And you can earn even more points in your first year, with this card’s Bonus Cash Back: Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening.

The Bottom Line: If you’re looking for a card that can put your debt-repayment plan into hyperdrive, all while earning generous cash-back rewards, this is your card. The TD Double Up Credit Card doesn’t come loaded with fancy perks, but the reward structure, cash back rate, and lengthy 0% APR period make it a serious gem in our book.

TD FlexPay Credit Card

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TD FlexPay Credit Card
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Benefits: If you want to stay laser-focused on paying off debt faster, the TD FlexPay Credit Card is your card. You’ll get an industry-leading 0% introductory APR balance transfers for first 18 billing cycles after account opening. After that 19.24%, 21.24%, 24.24%, 27.24% or 29.24% variable APR based on your creditworthiness. right off the bat. Beyond the long 0% APR period, this dead-simple card doesn't offer any shiny perks or benefits. We think this makes the card perfect for anyone who wants to stay focused on paying off debt. There are no bells and whistles or welcome bonuses to distract you — just cold, hard, debt-fighting power.

As a cardholders you will get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card. Plus, this card won’t charge you to own it.

The Bottom Line: This straightforward card is like a battering ram when it comes to paying off debt. What it lacks in special perks or cash back rewards, it more than makes up for in sheer debt-fighting power. If you want to stay focused on shrinking your debt, the TD FlexPay Credit Card is hard to beat.

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

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Each month, the CompareCards team reviews over 100 credit card offers examining the features most valuable to consumers including rewards, welcome offer, the interest rate, fees and other features to identify the best offers shown here.

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.

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