Balance transfer credit cards
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CK Editors’ Tips††: Balance transfer credit cards allow you to move your existing credit card debt to a new card, where you can pay it off with a lower interest rate. If you develop a plan for repayment, these cards can be a great way to manage debt.Read more
What to consider when choosing a balance transfer credit card
Balance transfer credit cards can be great for paying off your credit card debt, but they come with lots of potential risks. Try to look at options with long 0% APR intro periods that will give you the best chance to pay off your full balance — and make sure to take a close look at the terms and conditions of your offer before applying.
Balance transfer credit cards can be great for paying off your credit card debt, but they come with lots of potential risks. Try to look at options with long 0% APR intro periods that will give you the best chance to pay off your full balance — and make sure to take a close look at the terms and conditions of your offer before applying.
How we picked the best balance transfer credit cards
To find the best balance transfer credit cards, we focused on selecting cards with long 0% intro offers and other rare features that might simplify the process of repaying your debt. Our picks address a number of different needs for balance transfers, from the length of your repayment period to the nuances of the balance transfer process itself. Read more about our methodology for picking the best credit cards.
Jump to editors’ picksTo find the best balance transfer credit cards, we focused on selecting cards with long 0% intro offers and other rare features that might simplify the process of repaying your debt. Our picks address a number of different needs for balance transfers, from the length of your repayment period to the nuances of the balance transfer process itself. Read more about our methodology for picking the best credit cards.
Great for a long balance transfer offer††
Great for a long balance transfer offer††
Citi Simplicity® Card
Intro balance transfer APR
0% for 21 MonthsRegular balance transfer APR
18.49% - 29.24%* VariableBalance transfer fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).Annual fee
$0
Intro balance transfer APR
0% for 21 Months
Regular balance transfer APR
18.49% - 29.24%* Variable
Balance transfer fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Annual fee
$0
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.49% - 29.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
Great for smaller purchases††
Great for smaller purchases††
Citi Rewards+® Card
Intro balance transfer APR
0% for 15 MonthsRegular balance transfer APR
17.99% - 27.99%* VariableBalance transfer fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).Annual fee
$0
Intro balance transfer APR
0% for 15 Months
Regular balance transfer APR
17.99% - 27.99%* Variable
Balance transfer fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Annual fee
$0
- 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
- Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
Great for high flat-rate cash back††
Great for high flat-rate cash back††
Citi Double Cash® Card
Intro balance transfer APR
0% for 18 MonthsRegular balance transfer APR
18.49% - 28.49%* VariableBalance transfer fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).Annual fee
$0
Intro balance transfer APR
0% for 18 Months
Regular balance transfer APR
18.49% - 28.49%* Variable
Balance transfer fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Annual fee
$0
- Earn $200 cash back after you spend $1,500 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.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
Great for travel rewards with no annual fee††
Great for travel rewards with no annual fee††
Bank of America® Travel Rewards credit card
Intro balance transfer APR
See Terms*Regular balance transfer APR
18.49% - 28.49% Variable APR on balance transfersBalance transfer fee
3% for 60 days from account opening, then 4%Annual fee
$0
Intro balance transfer APR
See Terms*
Regular balance transfer APR
18.49% - 28.49% Variable APR on balance transfers
Balance transfer fee
3% for 60 days from account opening, then 4%
Annual fee
$0
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Great for a long balance transfer offer††
Great for a long balance transfer offer††
Citi® Diamond Preferred® Card
Intro balance transfer APR
0% for 21 monthsRegular balance transfer APR
17.49% - 28.24%* VariableBalance transfer fee
5%, Min: $5Annual fee
$0
Intro balance transfer APR
0% for 21 months
Regular balance transfer APR
17.49% - 28.24%* Variable
Balance transfer fee
5%, Min: $5
Annual fee
$0
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
Great for choosing your top category††
Great for choosing your top category††
Bank of America® Customized Cash Rewards credit card
Intro balance transfer APR
See Terms*Regular balance transfer APR
18.49% - 28.49% Variable APR on balance transfersBalance transfer fee
3% for 60 days from account opening, then 4%Annual fee
$0
Intro balance transfer APR
See Terms*
Regular balance transfer APR
18.49% - 28.49% Variable APR on balance transfers
Balance transfer fee
3% for 60 days from account opening, then 4%
Annual fee
$0
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Great for choosing your top category††
Great for choosing your top category††
Bank of America® Customized Cash Rewards credit card for Students
Intro balance transfer APR
See Terms*Regular balance transfer APR
18.49% - 28.49% Variable APR on balance transfersBalance transfer fee
3% for 60 days from account opening, then 4%Annual fee
$0
Intro balance transfer APR
See Terms*
Regular balance transfer APR
18.49% - 28.49% Variable APR on balance transfers
Balance transfer fee
3% for 60 days from account opening, then 4%
Annual fee
$0
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Great for airline rewards with no annual fee††
Great for airline rewards with no annual fee††
American Airlines AAdvantage® MileUp®
Intro balance transfer APR
0% for the first 15 monthsRegular balance transfer APR
20.49% - 29.49%* VariableBalance transfer fee
5% of each balance transfer; $5 minimumAnnual fee
$0
Intro balance transfer APR
0% for the first 15 months
Regular balance transfer APR
20.49% - 29.49%* Variable
Balance transfer fee
5% of each balance transfer; $5 minimum
Annual fee
$0
- Earn 15,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening.
- 0% Intro APR for 15 months on balance transfers; after that, the variable APR will be 20.49% - 29.49%, based on your creditworthiness. Interest will be charged on purchases unless you pay the balance due, including balance transfers, by the due date each month.
Great for choosing your top category††
Great for choosing your top category††
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Regular balance transfer APR
17.74% - 27.74% Variable APR on balance transfersBalance transfer fee
4%Annual fee
$0
Regular balance transfer APR
17.74% - 27.74% Variable APR on balance transfers
Balance transfer fee
4%
Annual fee
$0
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
Great for simple cash back††
Great for simple cash back††
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card
Regular balance transfer APR
17.74% - 27.74% Variable APR on balance transfersBalance transfer fee
4%Annual fee
$0
Regular balance transfer APR
17.74% - 27.74% Variable APR on balance transfers
Balance transfer fee
4%
Annual fee
$0
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
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†† The opinions you read here come from our editorial team. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.