The best debt consolidation credit cards usually have 0% introductory APRs, $0 annual fees, low balance transfer fees, and high enough credit limits to accommodate balance transfers from numerous accounts. When comparing credit cards for debt consolidation, your goal should be to find an offer that will reduce the total cost of your debt and shorten your timeline to debt freedom.
Best debt consolidation credit cards:
SunTrust Prime Rewards Credit Card
Comerica Bank Visa® Platinum Card
Bank of America® Cash Rewards Credit Card for Students
Citi Simplicity® Card - No Late Fees Ever
U.S. Bank Visa® Platinum Card
Wells Fargo Platinum card
In general, the best debt consolidation credit cards are those with the best combination of 0% APRs, low fees, and high credit limits. You can run the numbers on your options with our balance transfer calculator.
Bear in mind that a lot depends on your credit standing. Usually, there aren’t too many debt consolidation credit cards for people with less-than-good credit.
The best debt consolidation credit card is U.S. Bank Visa Platinum because it offers an introductory APR of 0% for 20 months on balance transfers and a $0 annual fee. There’s plenty of time to pay a high balance off.
Some other cards can also be good choices for balance transfers, depending on your situation. For example, Citi Simplicity has an intro APR of 0% for 18 months to pay the consolidated debts off.
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