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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 cards on the American Express network that offer a low introductory APR on balance transfers, often 0%, for a number of months after account opening. American Express does not currently issue any 0% balance transfer credit cards itself, but cards on its network sometimes offer 0% transfers (some cards are from WalletHub partners).… show more
Best American Express Balance Transfer Credit Card Alternatives
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USAA® Rewards™ American Express® Card USAA® Rewards™ American Express® Card

- Earn 3X points per dollar spent on dining
- Earn 2X points per dollar spent on gas and groceries
- Earn 1X points for every dollar spent on all other purchases
- Earn up to 20,000 bonus points ($200 cash value). Earn 17,500 bonus points after spending $1,000 on Qualifying Purchases in the first 90 days of account opening. This is in addition to the 2,500 bonus points after your first Qualifying Purchase
- Redeem points for cash, merchandise, gift cards and more.
- No membership fees
- 0% intro APR on balance transfers
- High rewards rate
- up to 20,000 points initial rewards bonus
- No intro APR on purchases
- Balance transfer fee
- Requires excellent credit
- USAA membership is available to active and former military and their eligible family members
- Your Balance Transfer must post to your account within 90 days of account opening for the Introductory APR to apply to the transaction.
- Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Collision damage waiver coverage pays for physical damage and theft to most rental vehicles. Get account balances and transaction history by sending a text message. Access your account on usaa.com or from a mobile device.
- Travel Benefits: Auto Rental Coverage, Travel Accident Insurance, Trip Cancellation and Interruption Coverage, Baggage Delay and Reimbursement.
- See More Details & Reviews About TheUSAA® Rewards™ American Express® Card
USAA® Cashback Rewards Plus American Express® Card USAA® Cashback Rewards Plus American Express® Card

- Earn a $200 rewards bonus after spending $1,000 on Qualifying Purchases in the first 90 days of account opening.
- Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined
- Earn 2% on your first $3,000 on supermarket purchases per year
- Unlimited 1% cash back on all other purchases
- No membership fees
- 0% intro APR on balance transfers
- High rewards rate
- $200 initial rewards bonus
- Spending caps on rewards
- No intro APR on purchases
- Balance transfer fee
- Requires excellent credit
- USAA membership is available to active and former military and their eligible family members
- Your Balance Transfer must post to your account within 90 days of account opening for the Introductory APR to apply to the transaction.
- Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Collision damage waiver coverage pays for physical damage and theft to most rental vehicles. Get account balances and transaction history by sending a text message. Access your account on usaa.com or from a mobile device.
- Travel Benefits: Auto Rental Coverage, Travel Accident Insurance, Trip Cancellation and Interruption Coverage, Baggage Delay and Reimbursement.
- See More Details & Reviews About TheUSAA® Cashback Rewards Plus American Express® Card
Best American Express Balance Transfer Credit Cards of 2022

Best Alternatives to American Express Balance Transfer Cards Comparison
Card Name | Intro Balance Transfer APR | Balance Transfer Fee | Regular APR |
USAA® Cashback Rewards Plus American Express® Card | 0% for 15 months | 3% | 12.15% - 26.15% (V) |
U.S. Bank Visa® Platinum Card | 0% for 20 billing cycles | 3% (min $5) | 15.24% - 25.24% (V) |
Citi® Double Cash Card – 18 month BT offer | 0% for 18 months | 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer | 14.74% - 24.74% (V) |
Citi® Diamond Preferred® Card | 0% for 21 months | 5% (min $5) | 14.49% - 24.49% (V) |
BankAmericard® credit card | 0% for 18 billing cycles for any balance transfers made in the first 60 days | 3% (min $10) | 13.24% - 23.24% Variable |
For more options, check out WalletHub’s picks for the year’s best balance transfer credit cards.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
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.show more
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