Best Balance Transfer Credit Cards
Save thousands in interest with these top balance transfer credit cards. Move high-interest debt to 0% APR cards and create a clear path to becoming debt-free.
Balance Transfer Success Requires a Plan
A 0% APR period is a tool, not a solution. Calculate your monthly payment needed to pay off debt before the promotional rate ends. For a $10,000 balance with 18 months 0% APR, you need to pay at least $556/month to avoid interest charges.
Citi Simplicity Card
People who need maximum time to pay off debt
Key Highlights
- 21-month 0% intro APR
- No late fees ever
- No penalty APR
Pros
- Longest 0% period available
- No late fees
- Simple terms
Cons
- No rewards program
- Balance transfer fee
- Limited benefits
Wells Fargo Reflect
Wells Fargo customers needing debt consolidation
Key Highlights
- 21-month 0% intro APR
- Cell phone protection
- My Wells Fargo Deals
Pros
- Long 0% period
- Cell phone protection
- No annual fee
Cons
- No rewards
- Wells Fargo relationship helpful
- Limited additional benefits
Chase Slate Edge
People who want rewards after paying off debt
Key Highlights
- 18-month 0% intro APR
- 1.5% cash back after intro period
- No annual fee
Pros
- Becomes rewards card after intro
- Good intro period
- Chase ecosystem benefits
Cons
- Subject to Chase 5/24
- Shorter intro period
- No rewards during intro
BankAmericard
Bank of America customers seeking debt relief
Key Highlights
- 18-month 0% intro APR
- No annual fee
- Online banking tools
Pros
- Solid intro period
- No annual fee
- Good customer service
Cons
- No rewards
- BoA relationship helpful
- Standard benefits
Discover it Balance Transfer
People who want rewards and can use Discover everywhere
Key Highlights
- 18-month 0% intro APR
- 5% rotating categories
- Cashback Match first year
Pros
- Becomes rewards card
- Good customer service
- No annual fee
Cons
- Limited acceptance
- Rotating categories require activation
- Shorter intro period
Capital One Quicksilver
People who want to earn rewards immediately
Key Highlights
- 15-month 0% intro APR
- 1.5% cash back
- $200 welcome bonus
Pros
- Immediate rewards earning
- Welcome bonus
- No annual fee
Cons
- Shorter intro period
- Lower ongoing APR options
- Standard benefits
Calculate Your Potential Savings
Use our balance transfer calculator to see how much you could save in interest charges and determine the monthly payment needed to become debt-free.