Balance Transfer Credit Cards
Best Balance Transfer Cards of November 2024
Are you looking for the best balance transfer cards? Allow us to be of service. It is essential to get all the help you can while navigating a challenging financial situation like this. Otherwise, you may select a credit card unfit for your lifestyle or financial needs. In 2024, many cards made the list, each offering excellent advantages and competitive terms.
So, if you’re also looking for the best balance transfer card, the cards listed on this page will prove a good fit. We reviewed these cards based on various factors, including the introductory APR period, balance transfer fees, annual fees, and additional benefits. As has always been the case with Credit Card Ease, the reviews are based on our experts’ opinions and are not influenced by other factors.
Take time out of your busy schedule to review the reviews in detail and find a balance transfer card that suits your requirements like a glove.
Our Top Recommendations Based on Your Preferences
BEST FOR LONG INTRO APR ON PURCHASES AND BALANCE TRANSFERS
Wells Fargo Reflect® Card
Our Rating:
4.2
Estimated balance transfer savings
$526
Savings over 24 months based on a transfer of $2,500 at a current APR of 15% Learn more about our calculations
Intro balance transfer APR
0% intro APR for 21 months from account opening on qualifying balance transfers
Intro balance transfer period
0% intro APR for 21 months from account opening on qualifying balance transfers
Regular balance transfer APR
18.24%, 24.74%, or 29.99% Variable APR
at Wells Fargo's secure site
Recommended credit
670-850 (Good to Excellent)
See Your Approval Odds
Highlights
- Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
BEST FOR EVERYDAY SPENDING
Blue Cash Everyday® Card from American Express
Our Rating:
4.8
Estimated balance transfer savings
$491
Savings over 24 months based on a transfer of $2,500 at a current APR of 15% Learn more about our calculations
Intro balance transfer APR
0%
Intro balance transfer period
15 months
Regular APR
19.24% - 29.99% variable
at American Express's secure site
Recommended credit
670-850 (Good to Excellent)
See Your Approval Odds
Highlights
- 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, 19.24% to 29.99% variable APR.
- 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%.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
- Terms Apply.
BEST FOR VERSATILE REWARDS
Citi Double Cash® Card
Our Rating:
4.1
Estimated balance transfer savings
$544
Savings over 24 months based on a transfer of $2,500 at a current APR of 15% Learn more about our calculations
Intro balance transfer APR
0%
Intro balance transfer period
18 months
Regular APR
19.24% - 29.24% variable
at Citi's secure site
Recommended credit
670-850 (Good to Excellent)
See Your Approval Odds
Highlights
- 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, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, 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).
BEST FOR FLAT-RATE CASH REWARDS
Wells Fargo Active Cash® Card
Our Rating:
4.1
Estimated balance transfer savings
$489
Savings over 24 months based on a transfer of $2,500 at a current APR of 15% Learn more about our calculations
Intro balance transfer APR
0% intro APR for 15 months from account opening on qualifying balance transfers
Intro balance transfer period
0% intro APR for 15 months from account opening on qualifying balance transfers
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
at Wells Fargo's secure site
Recommended credit
670-850 (Good to Excellent)
See Your Approval Odds
Highlights
- Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 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. 20.24%, 25.24%, or 29.99% 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.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
BEST FOR FAMILIES
Blue Cash Preferred® Card from American Express
Our Rating:
4.6
Estimated balance transfer savings
$419
Savings over 24 months based on a transfer of $2,500 at a current APR of 15% Learn more about our calculations
Intro balance transfer APR
0%
Intro balance transfer period
12 months
Regular APR
19.24% - 29.99% variable
at American Express's secure site
Recommended credit
670-850 (Good to Excellent)
See Your Approval Odds
Highlights
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
- 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.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
- Terms Apply.
BEST FOR EVERYDAY SPENDING
Bank of America® Customized Cash Rewards credit card
Our Rating:
4.4
Estimated balance transfer savings
$466
Savings over 24 months based on a transfer of $2,500 at a current APR of 15% Learn more about our calculations
Intro balance transfer APR
0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.
Intro balance transfer period
0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.
Regular APR
19.24% - 29.24% Variable APR on purchases and balance transfers
at Bank of America's secure site
Recommended credit
670-850 (Good to Excellent)
See Your Approval Odds
Highlights
- $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.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 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, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- 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.
BEST FOR BROAD SPENDING
Chase Freedom Unlimited®
Our Rating:
5.0
Estimated balance transfer savings
$490
Savings over 24 months based on a transfer of $2,500 at a current APR of 15% Learn more about our calculations
Intro balance transfer APR
0%
Intro balance transfer period
15 months
Regular APR
20.49% - 29.24% variable
at Chase's secure site
Recommended credit
670-850 (Good to Excellent)
See Your Approval Odds
Highlights
- 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 Travel, 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 travel purchased through Chase Travel, 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 20.49% - 29.24%.
- 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, alerts, and more.
- Member FDIC
BEST FOR AUTOMATICALLY MAXIMIZING REWARDS
Bank of America® Unlimited Cash Rewards credit card
Our Rating:
3.8
Estimated balance transfer savings
$466
Savings over 24 months based on a transfer of $2,500 at a current APR of 15% Learn more about our calculations
Intro balance transfer APR
0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.
Intro balance transfer period
0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.
Regular APR
19.24% - 29.24% Variable APR on purchases and balance transfers
at Bank of America's secure site
Recommended credit
670-850 (Good to Excellent)
See Your Approval Odds
Highlights
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
- No annual fee.
- No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
- 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, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- 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.
BEST FOR AUTOMATICALLY MAXIMIZING REWARDS
Citi Custom Cash® Card
Our Rating:
4.5
Estimated balance transfer savings
$441
Savings over 24 months based on a transfer of $2,500 at a current APR of 15% Learn more about our calculations
Intro balance transfer APR
0%
Intro balance transfer period
15 months
Regular APR
19.24% - 29.24% variable
at Citi's secure site
Recommended credit
670-850 (Good to Excellent)
See Your Approval Odds
Highlights
- 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.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, 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. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
- 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.
Frequently Asked Questions
A balance transfer credit card allows you to transfer existing balances from one or more credit cards to a new card, typically at a lower interest rate. The primary benefit of these cards is their introductory 0% APR period on balance transfers, which can last anywhere from a few months to over a year.
Balance transfer cards typically have several fees to be aware of. The most common is the balance transfer fee, usually a percentage of the amount transferred, often around 3-5%.
Using a balance transfer card can impact your credit score in several ways. Initially, applying for a new card results in a hard inquiry on your credit report, which can temporarily lower your score by a few points.
Our Methodology And Research
Credit Cards Analyzed
0
Banks
Analyzed
Analyzed
0
Criteria Used
Rates and fees, rewards rates, sign-up bonuses, redemption options, credit needed, miscellaneous benefits, customer service, security, ease of application.