Balance Transfer Cash Back Credit Cards
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You might assume that cash back balance transfer credit cards offer cash back on the amount of debt you transfer, but that’s probably not true. You might think that a cash back balance transfer credit card will help you lower the cost of your debt while earning rewards on new purchases, but this is unfortunately not true either, unless the card also offers 0% on purchases. Why? Well, for starters, most issuers only allow you to earn rewards on purchases. In addition, buying things with a balance transfer credit card is ill-advised. The fact that you’re already revolving your transferred debt means you no longer have a grace period for payments, and whatever you charge will begin incurring interest immediately. As a result, while there are likely to be 0% balance transfer cash back credit cards listed below (some of which are issued by WalletHub advertising partners), it’s a good idea to… show more
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Showing 1 – 10 of 15
Purchase Intro APR
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0% for 14 months
Transfer Intro APR
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0% for 14 monthsTransfer Fee: 3%
Regular APR
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14.24% - 25.24% (V)
Rewards Details
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back any amount, any time. Rewards never expire.
- Use your rewards at Amazon.com checkout.
Additional Info
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- No annual fee.
- See More Details & Reviews About TheDiscover it® Cash Back
Purchase Intro APR
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Not Offered
Transfer Intro APR
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0% for 18 months*Transfer Fee: 3% (min $5)
Regular APR
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15.74% - 25.74%* (V)
Rewards Details
- Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
- No categories to track, no caps on cash back, no annual fee*
Additional Info
- Balance Transfers do not earn cash back
- 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness*
- Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
- See More Details & Reviews About TheCiti® Double Cash Card – 18 month BT offer
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3%
Regular APR
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15.24% - 25.24% (V)
Rewards Details
- One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
Additional Info
- 0% intro APR on purchases for 15 months; 15.24%-25.24% variable APR after that
- 0% intro APR on balance transfers for 15 months; 15.24%-25.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- Pay no annual fee or foreign transaction fees
- See More Details & Reviews About TheCapital One® Quicksilver® Cash Rewards Credit Card
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3% (min $5)
Regular APR
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15.24% - 26.24% (V)
Rewards Details
- $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Terms Apply.
Additional Info
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- No annual fee.
- See More Details & Reviews About TheBlue Cash Everyday® Card from American Express
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 months
Regular APR
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17.24% - 25.99% (V)
Rewards Details
- Unlimited 1.5% cash back on every purchase - it's automatic
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- No minimum to redeem for cash back
- Cash Back rewards do not expire as long as your account is open
Additional Info
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24%-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
- Free credit score, updated weekly with Credit Journey℠
- No annual fee
- See More Details & Reviews About TheChase Freedom Unlimited®
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 monthsTransfer Fee: 3% (min $5)
Regular APR
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15.24% - 26.24% (V)
Rewards Details
- $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
- 3% cash back at U.S. gas stations. 1% cash back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Terms Apply.
Additional Info
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- $95 annual fee.
- See More Details & Reviews About TheBlue Cash Preferred® Card from American Express
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 months
Regular APR
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17.24% - 25.99% (V)
Rewards Details
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
- Enjoy new 5% categories each quarter
- Unlimited 1% cash back on all other purchases - it's automatic
- Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
Additional Info
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24%-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
- Free credit score, updated weekly with Credit Journey℠
- No annual fee
- See More Details & Reviews About TheChase Freedom®
Purchase Intro APR
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0% for 6 months
Transfer Intro APR
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0% for 18 monthsTransfer Fee: 3%
Regular APR
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14.24% - 25.24% (V)
Rewards Details
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back any amount, any time. Rewards never expire.
Additional Info
- 100% U.S. based customer service.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- No annual fee.
- See More Details & Reviews About TheDiscover it® Balance Transfer
Purchase Intro APR
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0% for 12 billing cycles
Transfer Intro APR
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0% for 12 billing cycles for balance transfers made in the first 60 days
Regular APR
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16.24% - 26.24% Variable
Rewards Details
- $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
- NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
- Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
- You can update your choice category for future purchases once each calendar month using the Mobile banking app or Online banking, or do nothing and it stays the same.
- No expiration on rewards
- If you're a Preferred Rewards client, you can get a 25% - 75% rewards bonus on every purchase
Additional Info
- No annual fee
- 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 16.24% - 26.24% Variable APR. 3% fee (min $10) applies to balance transfers
- See More Details & Reviews About TheBank of America® Cash Rewards credit card
Purchase Intro APR
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0% for 14 months
Transfer Intro APR
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0% for 14 monthsTransfer Fee: 3%
Regular APR
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14.24% - 25.24% (V)
Rewards Details
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem your cash back for any amount, any time. Cash rewards never expire.
Additional Info
- 100% U.S. based customer service.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- No annual fee.
- See More Details & Reviews About TheDiscover it® chrome
NO FOREIGN FEE
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Community Discussion
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† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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