What are the best balance transfer credit cards with rewards?

The best balance transfer credit cards with rewards are the Discover it Balance Transfer card and the Capital One Quicksilver card, because they both offer 0% APR for at least 15 months on balance transfers paired with a 3% balance transfer fee, and they both offer above-average cash back rewards that won't lose value. On top of that, neither card charges an annual fee.

The Discover it Balance Transfer card's 18-month 0% APR period on balance transfers is longer than average, and the card offers 5% cash back on rotating quarterly categories like gas and grocery stores, up to a quarterly maximum. You will have to register every quarter, though. Past that, it gives 1% back on all other purchases. It has a nice anniversary perk, too: Discover doubles all cash back earned in the first year, automatically, with no limits.

The Capital One Quicksilver card offers 0% for 15 months on balance transfers. It's a shorter period than the Discover it Balance Transfer card, but you won't have to sign up for the card's steady cash back rate of 1.5% Cash Back on all purchases—no category stipulations.