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Best American Express Balance Transfer Credit Cards
WalletHub makes it easy to find the best American Express balance transfer credit card for you.
American Express balance transfer credit cards are issued by American Express or on the American Express network, and they offer a low introductory APR on balance transfers, often 0%, for a number of months after you open an account (some cards are from WalletHub partners).... show more
Best American Express Balance Transfer Credit Cards
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Rates & Fees Terms Apply
Blue Cash Everyday® Card from American ExpressLearn MoreLearn Moreon issuer's website
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Rates & Fees Terms Apply
Blue Cash Everyday® Card from American ExpressLearn MoreLearn Moreon issuer's website
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Blue Cash Everyday® Card from American ExpressLearn MoreLearn More
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Rates & Fees Terms Apply
Blue Cash Preferred® Card from American ExpressLearn MoreLearn Moreon issuer's website
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Rates & Fees Terms Apply
Blue Cash Preferred® Card from American ExpressLearn MoreLearn Moreon issuer's website
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Blue Cash Preferred® Card from American ExpressLearn MoreLearn More
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USAA® Cashback Rewards Plus American Express® CardLearn MoreLearn More
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USAA® Cashback Rewards Plus American Express® CardLearn MoreLearn Moreon issuer's website
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USAA® Cashback Rewards Plus American Express® CardLearn MoreLearn More
COMPARE AMERICAN EXPRESS BALANCE TRANSFER CREDIT CARDS
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- $0 annual fee
- Good welcome bonus offer
- High rewards rate
- Spending caps on rewards
- Foreign transaction fee
- Balance transfer fee
- $250 statement credit initial bonus offer
- Low intro APR on purchases and balance transfers
- High rewards rate
- Annual fee starting second year
- Above-average regular APR
- Foreign transaction fee
- No membership fees
- 0% intro APR on balance transfers
- High rewards rate
- Bonus rewards categories
- Spending caps on rewards
- No initial rewards bonus
- No intro APR on purchases
- Balance transfer fee
Best American Express Balance Transfer Credit Cards in 2026
The best American Express balance transfer credit cards are not what they once were. In fact, there are only a few worthwhile Amex balance transfer cards available right now. But people who want to reduce the cost of existing debt can also turn to offers from other credit card companies. With that in mind, you can see how some popular options compare below.Best American Express Balance Transfer Credit Cards and Top Alternatives
| Card Name | Intro Balance Transfer APR | Balance Transfer Fee | Regular APR |
| Blue Cash Everyday® Card from American Express | 0% for 15 months | 3% (min $5) | 19.49% - 28.49% (V) |
| Blue Cash Preferred® Card from American Express | 0% for 12 months | 3% (min $5) | 19.49% - 28.49% (V) |
| USAA® Cashback Rewards Plus American Express® Card | 0% until August 2027 | 5% | 15.4% - 27.4% (V) |
| U.S. Bank Shield™ Visa® Card | 0% for 24 months | 5% (min $5) | 16.99% - 27.99% (V) |
| Citi Double Cash® Card | 0% for 18 months | 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer | 17.49% - 27.49% (V) |
| Citi® Diamond Preferred® Card | 0% for 21 months | 5% (min $5) | 16.49% - 27.24% (V) |
| BankAmericard® credit card | 0% for 18 billing cycles for any balance transfers made in the first 60 days | 3% for 60 days from account opening, then 4% | 14.49% - 24.49% Variable |
For more options, check out WalletHub’s picks for the year’s best balance transfer credit cards.
Methodology for Selecting the Best American Express Balance Transfer
Cards
To identify the best American Express balance transfer credit cards, WalletHub’s editors regularly compare all of the credit cards issued by American Express from our database of 1,500+ credit card offers, in addition to cards that are on the American Express network but issued by other credit card companies. Specifically, we compare the cards’ introductory and regular interest rates, annual fees and balance transfer fees to estimate how much a transferred balance would cost to repay with each. After ranking the cards based on estimated savings, we select the best options overall and for different types of applicants. In some cases, there won’t be enough American Express balance transfer credit card offers available to suit consumers’ needs. When that happens, we supplement our selections with popular balance transfer credit cards from other issuers and card networks.
About the author
John S Kiernan
Best American Express Balance Transfer Credit Cards FAQ
Comparing american express balance transfer credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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How do you do a balance transfer with Amex?
Featured Credit Cards
Expert Opinions
In search of insights to help people better understand American Express Balance Transfer Credit Cards, we posed the following questions to a pair of leading personal finance experts. You can check out their bios and responses below.
- Why do you think American Express does not have as much of a reputation for balance transfers and new-purchase financing as it does for rewards?
- Why do you think American Express doesn’t offer more balance transfer credit card deals?
Professor of Business Strategy at DePaul University
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Professor of Law, University of Miami-School of Law
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Ph.D., AFA®, Adjunct Finance Faculty, Metropolitan College of New York
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ME, MBA, Assistant Professor of Business and Finance, Dickinson State University, School of Business and Entrepreneurship
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Professor in the Department of Finance at the University of St. Thomas, Opus College of Business
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Ph.D., Associate Professor of Finance, School of Business, Howard University
Read More
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WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: USAA® Cashback Rewards Plus American Express® Card, Citi Simplicity® Card, BankAmericard® credit card, and U.S. Bank Shield™ Visa® Card.
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