Best Balance Transfer Credit Cards

Why it's one of the best balance transfer credit cards to get: The Citi Double Cash® Card offers an introductory APR of 0% for 18 months on balance transfers and has a $0 annual fee.

In addition, the Citi Double Cash® Card gives 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases), plus 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. New cardholders can also take advantage of a great initial bonus offer: $200 for spending $1,500 in the first 6 months. That is an elite package for people who want to reduce the cost of existing debt, then earn rewards on everyday purchases once debt-free.

Just keep in mind that balance transfers are subject to a transfer fee. There is also a regular APR of 17.49% - 27.49% (V).

Why it's one of the best balance transfer credit cards to get: The Wells Fargo Reflect® Card offers a 0% intro APR for 21 months from account opening on qualifying balance transfers and a $0 annual fee. Those features can help you significantly reduce costs despite the card’s balance transfer fee: 5% (min $5). 

It’s also worth noting that Wells Fargo Reflect® Card is equally good at helping you avoid interest on purchases initially. Plus, applicants need at least good credit for good approval odds.

Why it's one of the best balance transfer credit cards to get: The Citi® Diamond Preferred® Card offers a 0% balance transfer intro period that's months longer than the market average, at 0% for 21 months. There is no annual fee, but you do have to contend with a balance transfer fee of 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer.

To learn more about why this is one of the best balance transfer credit cards on the market right now, check out WalletHub’s complete Citi Diamond Preferred Review.

Why it's one of the best balance transfer credit cards to get: The Navy Federal Credit Union Platinum Credit Card is one of the best balance transfer credit cards for veterans and other members of the military community, particularly those who can pay down their debt in about a year. It offers an introductory APR of 0% for 12 months from account opening on balance transfers made in the first 60 days as well as a $0 transfer fee.

The card does have a regular APR of 10.24% - 18.00% Variable, but even that isn’t so bad compared to most other options.

The Citi Simplicity® Card has an introductory APR of 0% for 18 months on balance transfers and a $0 annual fee. Although it does charge a transfer fee, the cost is less than what some other elite 0% offers require you to pay.

You need good credit to qualify for this card. If you decide to apply, try to repay your balance before the regular interest rate kicks in. The Citi Simplicity® Card’s regular APR will cost you otherwise. It’s 17.49% - 28.24% (V), depending on your overall creditworthiness when you apply. Unfortunately, other 0% balance transfer cards aren’t any better in the regular APR department.

Why it's one of the best balance transfer credit cards to get: The First Federal Community Bank Zero+ Card is one of the best balance transfer credit cards because it offers an introductory APR of 0% for 24 months on balance transfers. That gives you two whole years to pay off your debts, completely interest-free. Plus, there is no annual fee.

The First Federal Community Bank Zero+ Card has a regular APR of 17.24% - 28.24% (V) and a transfer fee of 5% (min $5). You will need at least good credit for approval.

Why it's one of the best balance transfer credit cards to get: The BankAmericard® credit card is one of the market's very best balance transfer credit cards, offering an introductory APR of 0% for 21 billing cycles for any balance transfers made in the first 60 days, along with a balance transfer fee of 5%. 

This card also has a $0 annual fee. Applicants generally need excellent credit for approval.

Why it's one of the best balance transfer credit cards to get: The Tompkins Community Bank College Rewards Visa® Credit Card offers an introductory APR of 0% for 6 months on balance transfers. This is the longest 0% transfer period among credit cards for students with limited credit.

The card has a regular APR of 17.74% - 27.99% (V) and a balance transfer fee of 3% (min $5).