Balance Transfer Credit Cards - Reviews
A balance transfer credit card is ideal for avoiding interest while you pay down credit card debt. Many credit cards offer 0% APR balance transfers for an introductory period of time – generally 12 to 18 months – upon sign-up.
By moving a balance from a high-interest credit card to a balance transfer credit card, you can pay off debt faster and gain control of your finances. Along with this tremendous perk, many balance transfer credit cards offer added incentives like welcome offers and rewards programs. Some even include new purchases in your 0% intro APR period as well.
Our CreditCards.com experts rated the best balance transfer credit cards for 2021 based on several factors: length of the 0% intro APR period on transfers and purchases, sign-up bonuses, balance transfer and account fees, penalty APRs and rewards program benefits. In our balance transfer credit card reviews below, you can compare intro introductory APR offers, check out welcome offers, explore rewards programs and find expert insights to help you spot the best fit.
Discover it® Balance Transfer
Last reviewed: November 16, 2020
A good value for cardholders who need to transfer a balance, but don’t want to give up earning new rewards, the Discover it Balance Transfer card pairs a generous balance transfer promotion with a solid first year bonus.
*This page includes information about the Discover it® Balance Transfer product, which is no longer offered by Discover. The information for the Discover it® Balance Transfer has been collected independently by CreditCards.com. The card details on this page have not been reviewed or provided by the card issuer. This card is no longer available on our site.
U.S. Bank Visa Platinum Card
Last reviewed: January 5, 2021
The U.S. Bank Visa Platinum card offers cardholders with excellent credit a below average minimum interest rate and reasonable terms, including no penalty APR, and a long introductory period. This offer is no longer available.
Wells Fargo Platinum card
Last reviewed: January 5, 2021
When it comes to paying down credit card debt, the Wells Fargo Platinum card is one of the best cards out there. Its long intro APR and no annual fee give you the cushion you need to make progress.
Platinum Edition Visa card from First National Bank of Omaha
Last reviewed: September 10, 2020
With its long 15-month introductory period and low regular APR, this plain vanilla Visa card is a relatively low-risk choice for transferring a balance.
BankAmericard® credit card
Last reviewed: January 4, 2021
With a relatively low interest rate and a lengthy introductory balance transfer period, the BankAmericard credit card is a good choice for cardholders with hefty balances.
Wells Fargo Visa Signature credit card
Last reviewed: February 22, 2021
The Wells Fargo Visa Signature card offers a long introductory period on balance transfers and new purchases, as well as a good travel rewards program with a generous redemption bonus on travel rewards. This offer is no longer available on our site.
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KeyBank Latitude Mastercard
Last reviewed: September 10, 2020
The KeyBank Latitude Mastercard earns high marks for its affordable APR and lengthy balance transfer offer; however, the card’s above average balance transfer fee drags down the card’s overall value.
Wells Fargo Cash Wise Visa® card
Last reviewed: January 5, 2021
The introductory period for balance transfers on the Wells Fargo Cash Wise Visa card is fairly long, and the card is worth keeping in the long run for its cash rewards program.
BB&T Bright card
Last reviewed: January 15, 2021
A great card for BB&T bank customers, the BB&T Bright card ranks high on our list of balance transfer cards thanks to its ultralow APR and lengthy 15-month interest-free balance transfer promotion.
Citi Simplicity® Card
Last reviewed: November 16, 2020
The Citi Simplicity card offers an exceptionally long introductory period for balance transfers, but unfortunately also includes a larger balance transfer fee that can make transferring a balance expensive.
*All information about the Citi Simplicity Card has been collected independently by CreditCards.com and has not been reviewed by the issuer. The Citi Simplicity Card is no longer available through CreditCards.com.
Citi® Double Cash Card
Last reviewed: February 11, 2021
One of the best cash back cards on the market, the Citi Double Cash card also offers one of the longest 0-percent balance transfer deals around.
BECU Visa credit card
Last reviewed: May 7, 2020
This affordable balance transfer card doesn’t offer the longest interest-free promotion, but its unusually low interest rate and zero balance transfer fee could save cardholders hundreds of dollars in charges.