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.
Citi Simplicity® Card
Last reviewed: January 3, 2023
The Citi Simplicity card offers a very long introductory period for balance transfers and carries minimal fees, making it a great option if you’re ready to put debt behind you once and for all.
Wells Fargo Active Cash® Card
Last reviewed: December 29, 2022
The Wells Fargo Active Cash Card is not just one of the best flat-rate cash rewards cards out there, but one of the best cash rewards cards, period.
Wells Fargo Platinum card
Last reviewed: December 20, 2022
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.
All information about the Wells Fargo Platinum card has been collected independently by CreditCards.com and has not been reviewed by the issuer. The Wells Fargo Platinum card is no longer available.
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.
Citi® Double Cash Card
Last reviewed: January 27, 2023
One of the best cash back cards on the market, the Citi Double Cash card also offers one of the longest intro APR balance transfer deals around.
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.