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BEST BALANCE TRANSFER CREDIT CARDS
by Kira Brecht - Jul 14, 2022
Advertiser Disclosure
Kira Brecht is a credit card expert whose financial advice has been featured on
Forbes, US News & World Report, Investor’s Business Daily and Yahoo! Finance.
Advertiser Disclosure
*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.
Do you have high-interest credit card debt you're struggling to pay off?
You're not alone. In 2020, 57% of U.S. households carried a balance on their
active credit card accounts. 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.
How CompareCards Gets Paid
CITI® DIAMOND PREFERRED® CARD
Apply Now
Apply Now
on Citibank's secure site
Call To Apply
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Rated 5/5 stars by our editorial team
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Your Rating:
4.4/5.0 from 268 Offer Ratings
Over the Past 60 Days!
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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% for 21 months on Balance Transfers, then 15.24% -
25.24% (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% for 12 months on Purchases and then 15.24% - 25.24% (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.
Close
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CITI® DIAMOND PREFERRED® CARD
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Rated 5/5 stars by our editorial team
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Over the Past 60 Days!
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* Intro Purchase APR
0% for 12 months on Purchases
* Intro Balance Transfer APR
0% for 21 months on Balance Transfers
* Regular Purchase & BT APR
15.24% - 25.24% (Variable)
HIGHLIGHTS
* Click "APPLY NOW" to apply online or call 866-553-0847. TTY: Use 711 or other
Relay Service.
* 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 15.24% - 25.24%, 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
* 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.
* See additional Citi® Diamond Preferred® Card details
See additional details for Citi® Diamond Preferred® Card
More Info
Back to Article
CITI® DOUBLE CASH CARD – 18 MONTH BT OFFER
Apply Now
Apply Now
on Citibank's secure site
Call To Apply
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Your Rating:
4.3/5.0 from 62 Offer Ratings
Over the Past 60 Days!
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(62) Over the Past 60 Days!
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Benefits: This credit card has an intro APR of 0% for 18 months on Balance
Transfers, then 15.49% - 25.49% (Variable), no annual fee and only requires good
credit. That’s not even the best part. This card earns you 1% cashback 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: The Citi Double Cash 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% 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.
Close
Advertiser Disclosure
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CITI® DOUBLE CASH CARD – 18 MONTH BT OFFER
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Over the Past 60 Days!
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* Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an
additional 1% as you pay for those purchases.
* Intro Balance Transfer APR
0% for 18 months on Balance Transfers
* Regular Purchase & BT APR
15.49% - 25.49% (Variable)
HIGHLIGHTS
* Click "APPLY NOW" to apply online or call 888-343-4081. Speech/hearing
impaired: 711 or other Relay Service
* 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.
* Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months.
After that, the variable APR will be 15.49% - 25.49%, based on your
creditworthiness.
* Balance Transfers do not earn cash back. Intro APR does not apply to
purchases.
* If you transfer a balance, interest will be charged on your purchases unless
you pay your entire balance (including balance transfers) by the due date
each month.
* There is an intro balance transfer fee of 3% of each transfer (minimum $5)
completed within the first 4 months of account opening. After that, your fee
will be 5% of each transfer (minimum $5).
* See additional Citi® Double Cash Card – 18 month BT offer details
See additional details for Citi® Double Cash Card – 18 month BT offer
More Info
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WELLS FARGO ACTIVE CASH® CARD
Apply Now
Apply Now
on Wells Fargo's secure site
Rates & Fees
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Rated 4/5 stars by our editorial team
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Your Rating:
3.7/5.0 from 256 Offer Ratings
Over the Past 60 Days!
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(256) Over the Past 60 Days!
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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 no-annual-fee card. 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 no-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 16.49%, 21.49%, or 26.49%
Variable APR 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 16.49%, 21.49%, or 26.49% Variable APR 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 no annual fee cards – if you’re looking for the best unlimited cash
back card on the market, you’ve found it.
Close
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WELLS FARGO ACTIVE CASH® CARD
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Rated 4/5 stars by our editorial team
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Your Rating:
3.7/5.0 from 256 Offer Ratings
Over the Past 60 Days!
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(256) Over the Past 60 Days!
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Rates & Fees
* Sign Up Bonus
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the
first 3 months
* Rewards Rate
Earn unlimited 2% cash rewards on purchases
* Extra Perks
No categories to track or remember and cash rewards don't expire as long as
your account remains open
HIGHLIGHTS
* Earn a $200 cash rewards bonus after spending $1,000 in purchases in the
first 3 months
* Earn unlimited 2% cash rewards on purchases
* 0% intro APR for 15 months from account opening on purchases and qualifying
balance transfers, then a 16.49%, 21.49%, or 26.49% variable APR; balance
transfers made within 120 days qualify for the intro rate and fee of 3% then
a BT fee of up to 5%, min: $5
* $0 annual fee
* No categories to track or remember and cash rewards don't expire as long as
your account remains open
* Enjoy a premium collection of benefits at a selection of the world's most
intriguing and prestigious hotel properties with Visa Signature Concierge
* Get 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 Active Cash® Card
* Select “Apply Now” to learn more about the product features, terms and
conditions
* See Rates & Fees
See additional details for Wells Fargo Active Cash® Card
More Info
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CITI SIMPLICITY® CARD
Apply Now
Apply Now
on Citibank's secure site
Call To Apply
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3.8/5.0 from 63 Offer Ratings
Over the Past 60 Days!
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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% for 21 months on Balance Transfers;
after that, an APR of 16.24% - 26.24% (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% for
12 months on Purchases, then 16.24% - 26.24% (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.
Close
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CITI SIMPLICITY® CARD
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Rated 4.5/5 stars by our editorial team
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* Intro Purchase APR
0% for 12 months on Purchases
* Intro BT APR
0% for 21 months on Balance Transfers
* Regular Purchase & BT APR
16.24% - 26.24% (Variable)
HIGHLIGHTS
* Click "APPLY NOW" to apply online or call 877-886-4537. TTY: Use 711 or other
Relay Service.
* 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 16.24% - 26.24%, 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.
* Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
* See additional Citi Simplicity® Card details
See additional details for Citi Simplicity® Card
More Info
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CITI CUSTOM CASH℠ CARD
Apply Now
Apply Now
on Citibank's secure site
Call To Apply
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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. 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 $750 on
purchases in the first 3 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 15.49% -
25.49% (Variable) APR based on creditworthiness. It's the same for balance
transfers: 0% intro APR for 15 months on balance transfers, then 15.49% - 25.49%
(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.
Close
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CITI CUSTOM CASH℠ CARD
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4.3/5.0 from 121 Offer Ratings
Over the Past 60 Days!
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(121) Over the Past 60 Days!
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* Sign-up Bonus
Earn $200 in cash back after you spend $750 on purchases in the first 3
months of account opening. This bonus offer will be fulfilled as 20,000
ThankYou® Points, which can be redeemed for $200 cash back.
* Rewards Rate
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.
* Intro APR
0% intro APR for 15 months on purchases and balance transfers, then 15.49% -
25.49% (Variable)
HIGHLIGHTS
* Click "APPLY NOW" to apply online or call 800 408-4901. Speech/hearing
impaired: 711 or other Relay Service
* Earn $200 in cash back after you spend $750 on purchases in the first 3
months of account opening. This bonus offer will be fulfilled as 20,000
ThankYou® Points, which can be redeemed for $200 cash back.
* 0% Intro APR on balance transfers and purchases for 15 months. After that,
the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
* 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.
* No rotating bonus categories to sign up for – as your spending changes each
billing cycle, your earn adjusts automatically when you spend in any of the
eligible categories.
* No Annual Fee
* Citi will only issue one Citi Custom Cash℠ Card account per person.
* See additional Citi Custom Cash℠ Card details
See additional details for Citi Custom Cash℠ Card
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BLUE CASH EVERYDAY® CARD FROM AMERICAN EXPRESS
Apply Now
Apply Now
on American Express's secure site
Rates & Fees
Terms Apply
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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, 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 15.49%-26.49% Variable APR
after that - this 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: an intro APR of 0% on balance transfers for 15 months, then
15.49%-26.49% 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.
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BLUE CASH EVERYDAY® CARD FROM AMERICAN EXPRESS
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Rates & Fees
Terms Apply
* Buy Now, Pay Later Intro Offer
Enjoy $0 intro plan fees when you use Plan It® to split up large purchases
into monthly installments. Pay $0 plan fees on plans created during the first
15 months after account opening. Plans created after that will have a monthly
plan fee up to 1.33% of each purchase amount moved into a plan based on the
plan duration, the APR that would otherwise apply to the purchase, and other
factors.
* Welcome Offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new
Card within the first 6 months.
* Rewards Rates
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, then
1%. 1% cash back on other purchases. Terms apply.
HIGHLIGHTS
* Click "APPLY NOW" to apply online
* Earn a $200 statement credit after you spend $2,000 in purchases on your new
Card within the first 6 months.
* No Annual Fee.
* Balance Transfer is back! Enjoy 0% intro APR on purchases and balance
transfers for 15 months from the date of account opening. After that, 15.49%
to 26.49% variable APR.
* 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then
1%.
* New! 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, then 1%.
* Get $7 back each month after using your Card to spend $13.99 or more each
month on an eligible subscription to The Disney Bundle, which includes
Disney+, Hulu, and ESPN+. Enrollment required.
* Terms Apply.
* See Rates & Fees
See additional details for Blue Cash Everyday® Card from American Express
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CITI REWARDS+® CARD
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on Citibank's secure site
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Benefits: Take advantage of intro APR 0% for 15 months on purchases then 14.99%
- 24.99% (variable) and intro APR 0% for 15 months on balance transfers then
14.99% - 24.99% (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. For a
limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000
in the first 12 months and 1 ThankYou® Point per $1 spent. 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.
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.
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CITI REWARDS+® CARD
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* Intro Purchase APR
0% for 15 months
* 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
* Regular Purchase APR
14.99% - 24.99% (Variable)
HIGHLIGHTS
* Click "APPLY NOW" to apply online
* 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
* For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to
$6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.
* 0% Intro APR on balance transfers for 15 months from date of first transfer
and on purchases from date of account opening. After that, the variable APR
will be 14.99% - 24.99%, based on your creditworthiness. There is an intro
balance transfer fee of 3% of each transfer (minimum $5) completed within the
first 4 months of account opening. After that, your fee will be 5% of each
transfer (minimum $5).
* The Citi Rewards+® Card - the only credit card that automatically rounds up
to the nearest 10 points on every purchase - with no cap.
* 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.
* See additional Citi Rewards+® Card details
See additional details for Citi Rewards+® Card
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BANKAMERICARD® CREDIT CARD
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Apply Now
on Bank of America's secure site
Call To Apply
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Benefits: This card just upped its game, extending the intro APR period, making
it one of the best balance transfer cards now available.
Take advantage of extra-long intro APR on purchases and balance transfers with
this $0 annual fee card. Finance a new purchase with generous 0% Intro APR for
18 billing cycles for purchases then 14.49% - 24.49% Variable APR. That means no
monthly interest charges will pile up during the promo period. Plus, stop paying
high interest charges with 0% Intro APR for 18 billing cycles for any balance
transfers made in the first 60 days then 14.49% - 24.49% Variable APR on balance
transfers so your payments can go entirely toward reducing your debt for over a
year. And if you're a new cardholder, you can earn a $100 statement credit
online bonus after making at least $1,000 in purchases in the first 90 days of
account opening.
The Bottom Line: This easy-to-use card gives you tools to regain control over
your financial life and puts time on your side to pay down debt faster. Unlike
some other cards, there is no penalty APR. That means a late payment won’t
automatically raise your interest rate. This card might not have a huge suite of
flashy rewards, but if you're looking to save money on interest charges the
BankAmericard® credit card is hard to beat.
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BANKAMERICARD® CREDIT CARD
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* Intro APRs
0% Intro APR for 18 billing cycles for purchases, and for any balance
transfers made in the first 60 days. After the intro APR offer ends, 14.49% -
24.49% Variable APR will apply. A 3% fee (min $10) applies to all balance
transfers.
* No Penalty APR
Paying late won't automatically raise your interest rate (APR). Other account
pricing and terms apply.
* Build Credit
Access your FICO® Score for free within Online Banking or your Mobile Banking
app
HIGHLIGHTS
* Click "APPLY NOW" to apply online or call 800-483-4499.
* $100 statement credit online bonus after making at least $1,000 in purchases
in the first 90 days of account opening.
* 0% Introductory APR for 18 billing cycles for purchases, and for any balance
transfers made in the first 60 days. After the intro APR offer ends, 14.49% -
24.49% Variable APR will apply. A 3% fee (min $10) applies to all balance
transfers.
* No annual fee.
* No penalty APR. Paying late won't automatically raise your interest rate
(APR). Other account pricing and terms apply.
* Access your FICO® Score for free within Online Banking or your Mobile Banking
app.
* Contactless Cards - The security of a chip card, with the convenience of a
tap.
* This online only offer may not be available if you leave this page or if you
visit a Bank of America financial center. You can take advantage of this
offer when you apply now.
See additional details for BankAmericard® credit card
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U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD
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on U.S. Bank's secure site
Rates & Fees
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Benefits: The U.S. Bank Altitude® Go Visa Signature® Card is a great choice for
nearly everyone – right off the bat, this card makes transferring your current
credit card balance easy with 0% for 12 billing cycles on balance transfers and
a 16.49% - 25.49% (Variable) rate once the intro period is over.
Where this card really shines though is in its rewards. Earn 4X points on
dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery
delivery, gas stations, EV charging stations and on streaming services. Plus, a
$15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple
Music, Disney+, HBO Max and more! And earn 1X points on all other eligible
purchases. As if that wasn’t enough, this card also has a strong sign-up bonus.
Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the
first 90 days of account opening. Plus, all this comes with no annual fee.
The Bottom Line: Between an outstanding sign-up bonus, strong ongoing rewards
and competitive intro APR period on balance transfers, the U.S. Bank Altitude®
Go Visa Signature® Card is a great choice across the board.
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U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD
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Rates & Fees
* Sign Up Bonus
Earn 20,000 bonus points when you spend $1,000 in eligible purchases within
the first 90 days of account opening.
* Rewards
Earn 4X points on dining, takeout, and restaurant delivery, 2X points at
grocery stores, grocery delivery, gas stations, EV charging stations and on
streaming services. Plus, a $15 credit for annual streaming purchases like
Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X
points on all other eligible purchases.
* Intro APR
0% for 12 billing cycles on purchases, then 16.49% - 25.49% (Variable) and 0%
for 12 billing cycles on balance transfers, then 16.49% - 25.49% (Variable)
HIGHLIGHTS
* Click "APPLY NOW" to apply online
* Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible
purchases within the first 90 days of account opening. That's a $200 value
redeemable towards merchandise, gift cards, cash back, travel and more.
* 4X points on dining, takeout, and restaurant delivery.
* 2X points on streaming services. Plus, a $15 credit for annual streaming
purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and
more!
* 2X points at grocery stores, grocery delivery, gas stations, and EV charging
stations
* 1X point on all other eligible purchases.
* 0% Intro APR on purchases and balance transfers for the first 12 billing
cycles. After that, a variable APR applies, currently 16.49% - 25.49%.
* No Annual Fee
* Points never expire
* Pay over time by splitting eligible purchases of $100+ into equal monthly
payments with U.S. Bank ExtendPay™ Plan.
* Terms and conditions apply.
* See Rates & Fees
See additional details for U.S. Bank Altitude® Go Visa Signature® Card
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BANK OF AMERICA® CUSTOMIZED CASH REWARDS CREDIT CARD
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on Bank of America's secure site
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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 15.49% - 25.49%
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 15.49% - 25.49% 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, 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 and, 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.
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BANK OF AMERICA® CUSTOMIZED CASH REWARDS CREDIT CARD
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* Intro APRs
0% Intro APR for 15 billing cycles for purchases, and for any balance
transfers made in the first 60 days. After the intro APR offer ends, 15.49% -
25.49% Variable APR will apply. A 3% fee (min $10) applies to all balance
transfers.
* Sign-Up Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in
the first 90 days of account opening
* Rewards Rate
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
HIGHLIGHTS
* Click "APPLY NOW" to apply online or call 800-716-6383.
* $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.
* If you're a Preferred Rewards member, you can earn 25% - 75% more cash back
on every purchase. That means you could earn up to 5.25% cash back on
purchases in your choice category.
* No annual fee and no expiration on rewards.
* 0% Introductory APR for 15 billing cycles for purchases, and for any balance
transfers made in the first 60 days. After the intro APR offer ends, 15.49% -
25.49% Variable APR will apply. A 3% fee (min $10) applies to all balance
transfers.
* Contactless Cards - The security of a chip card, with the convenience of a
tap.
* This online only offer may not be available if you leave this page or if you
visit a Bank of America financial center. You can take advantage of this
offer when you apply now.
See additional details for Bank of America® Customized Cash Rewards credit card
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DISCOVER IT® BALANCE TRANSFER
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on Discover's secure site
Rates & Fees
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Benefits: The Discover it® Balance Transfer credit card offers a blockbuster
combination of 0% intro APR on purchases and balance transfers with the
opportunity to earn 5% cash back on everyday purchases at different places each
quarter like Amazon.com, grocery stores, restaurants, gas stations and when you
pay using PayPal, up to the quarterly maximum when you activate. Plus, earn
unlimited 1% cash back on all other purchases – automatically. And that rewards
program only gets better when you consider this card's astonishing sign-up
feature: Unlimited Cashback Match – 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. You could turn $150 cash
back into $300. While this card has an incredibly competitive suite of rewards,
where the Discover it® Balance Transfer credit card really sets itself apart
from the competition comes in the form of the long periods of 0% intro APR on
offer for both purchases and balance transfers. If you want to transfer debt
from a high-interest credit card, you can enjoy an intro APR of 0% Intro APR for
18 months on balance transfers, 13.49% - 24.49% Variable APR after that. Even
better, you can use all that extra interest-free time combined with the
cash-back rewards you'll earn to pay down your debt even faster! Plus, enjoy
added flexibility on purchases with an intro rate of 0% intro apr for 6 months,
followed by 13.49% - 24.49% Variable APR.
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.
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DISCOVER IT® BALANCE TRANSFER
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Rates & Fees
* Balance Transfer Intro APR
0% Intro APR for 18 months on balance transfers, then 13.49% - 24.49%
Variable APR
* Rewards Rate
5% cash back on everyday purchases at different places each quarter like
Amazon.com, grocery stores, restaurants, gas stations and when you pay using
PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited
1% cash back on all other purchases – automatically
* Cashback Match™
Unlimited Cashback Match – 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. You could turn $150 cash back into
$300.
HIGHLIGHTS
* INTRO OFFER: Unlimited Cashback Match – 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. You could turn $150
cash back into $300.
* Earn 5% cash back on everyday purchases at different places each quarter like
Amazon.com, grocery stores, restaurants, gas stations and when you pay using
PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited
1% cash back on all other purchases – automatically.
* NEW! Discover helps remove your personal information from select
people-search websites. Activate by mobile app for free.
* Redeem cash back any amount, any time. Rewards never expire.
* No annual fee.
* Click "Apply Now" to see terms and conditions.
* See Rates & Fees
See additional details for Discover it® Balance Transfer
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WELLS FARGO REFLECT℠ CARD
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on Wells Fargo's secure site
Rates & Fees
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Benefits: If you’ve got a substantial expense looming on the horizon, the Wells
Fargo Reflect℠ Card has you covered with 18 months of 0% intro APR on purchases
followed by an ongoing 14.49%-26.49% Variable APR after that. But where this
card really sets itself apart is by giving you the opportunity to extend that
already top-shelf savings period by up to another 3 months if you make all your
minimum monthly payments on-time; that has the potential for an outstanding 0%
intro APR up to 21 months from account opening - almost two years!
And the same offer applies to balance transfers as well – if you’re transferring
a balance from a different high-interest credit card, you could get 0% intro APR
up to 21 months from account opening on qualifying balance transfers if you make
all your minimum monthly payments, with the same 14.49%-26.49% Variable APR
after that. This $0 annual fee card is an exceptional savings tool because it
rewards you for what you should already be doing – promptly paying down your
credit card debt – and with such generous windows on interest-free time to make
that happen, you could end up saving hundreds of dollars in interest fees alone.
If you’re looking to get out of debt without getting buried under a massive pile
of fees, this could be just the card for you.
The Bottom Line: We're really excited about the Wells Fargo Reflect℠ Card
because it's laser-focused on just one thing: saving you money in the long run
on interest charges by offering some of the longest periods of 0% intro APR on
purchases and balance transfers you’ll find out on the market today.
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WELLS FARGO REFLECT℠ CARD
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Rates & Fees
* Regular Purchase APR
14.49%-26.49% Variable APR
* Intro Purchase APR
0% intro APR up to 21 months from account opening
* Intro BT APR
0% intro APR up to 21 months from account opening on qualifying balance
transfers
HIGHLIGHTS
* 0% intro APR for 18 months from account opening on purchases and qualifying
balance transfers. Intro APR extension of up to 3 months with on-time minimum
payments during the intro and extension periods. 14.49% to 26.49% variable
APR thereafter; balance transfers made within 120 days qualify for the intro
rate and fee of 3% then a BT fee of up to 5%, min $5
* $0 Annual Fee
* Get up to $600 of cell phone protection when you pay your monthly cell phone
bill with your eligible Wells Fargo card (subject to a $25 deductible).
* Through My Wells Fargo Deals, you can earn cash back in the form of a
statement credit while you shop, dine, or enjoy an experience simply by using
your eligible Wells Fargo Credit Card
* Select “Apply Now” to learn more about the product features, terms and
conditions
* See Rates & Fees
See additional details for Wells Fargo Reflect℠ Card
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CHASE FREEDOM UNLIMITED®
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on Chase's secure site
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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 16.49% - 25.24% Variable APR. Plus, you get
flexibility with 0% Intro APR on Purchases for 15 months, with 16.49% - 25.24%
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. Cardholders
enjoy 5% cash back on travel purchased through chase ultimate rewards®, 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.
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CHASE FREEDOM UNLIMITED®
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* Introductory APR
0% Intro APR on Purchases for 15 months on purchases
* Sign-Up Bonus
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first
year) — worth up to $300 cash back. That’s 6.5% on travel purchased through
Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other
purchases.
* Regular APR
16.49% - 25.24% Variable
HIGHLIGHTS
* Click "APPLY NOW" to apply online
* INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up
to $20,000 spent in the first year) - worth up to $300 cash back!
* Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our
premier rewards program that lets you redeem rewards for cash back, travel,
gift cards and more; 4.5% cash back on drugstore purchases and dining at
restaurants, including takeout and eligible delivery service, and 3% on all
other purchases (on up to $20,000 spent in the first year).
* After your first year or $20,000 spent, enjoy 5% cash back on Chase travel
purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and
dining at restaurants, including takeout and eligible delivery service, and
unlimited 1.5% cash back on all other purchases.
* No minimum to redeem for cash back. You can choose to receive a statement
credit or direct deposit into most U.S. checking and savings accounts. Cash
Back rewards do not expire as long as your account is open!
* Enjoy 0% Intro APR for 15 months from account opening on purchases and
balance transfers, then a variable APR of 16.49% - 25.24%.
* No annual fee – You won’t have to pay an annual fee for all the great
features that come with your Freedom Unlimited® card
* Keep tabs on your credit health, Chase Credit Journey helps you monitor your
credit with free access to your latest score, real-time alerts, and more.
See additional details for Chase Freedom Unlimited®
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Apply now for one of these top balance transfer cards and say goodbye to high
interest credit card debt.
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Our Top Pick
Apply Now
Apply Now
on American Express's secure site
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* Buy Now, Pay Later Intro Offer: Enjoy $0 intro plan fees when you use Plan
It® to split up large purchases into monthly installments. Pay $0 plan fees
on plans created during the first 15 months after account opening. Plans
created after that will have a monthly plan fee up to 1.33% of each purchase
amount moved into a plan based on the plan duration, the APR that would
otherwise apply to the purchase, and other factors.
* Welcome Offer: Earn a $200 statement credit after you spend $2,000 in
purchases on your new Card within the first 6 months.
* Rewards Rates: 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, then 1%. 1% cash back on other purchases. Terms apply.
Show Details
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ABOUT OUR RATINGS
Our editors rate credit cards objectively based on the features the credit card
offers consumers, the fees and interest rates, and how a credit card compares
with other cards in its category. The ratings are the expert opinion of our
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EXCELLENT CREDIT
Between 720 - 850
--------------------------------------------------------------------------------
Credit cards for excellent credit are intended for those with a credit score
between 720 - 850.
GOOD CREDIT
Between 660 - 719
--------------------------------------------------------------------------------
Credit cards for good credit are intended for those with a credit score between
660 - 719.
FAIR CREDIT
Between 600 - 659
--------------------------------------------------------------------------------
Credit cards for fair credit are intended for those with a credit score between
600 - 659.
POOR CREDIT
Between 300 - 599
--------------------------------------------------------------------------------
Credit cards for poor credit are intended for those with a credit score between
300 - 599.
NO/LIMITED CREDIT
- - -
--------------------------------------------------------------------------------
Credit cards for no credit are intended for those without an established credit
score.
--------------------------------------------------------------------------------
Credit scores ranges may vary. Your individual chance at approval may vary due
to factors such as creditors using a particular variation at their discretion.
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