Mastercard Balance Transfer Credit Cards
WalletHub makes it easy to find the best Mastercard balance transfer credit card.
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- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.74% - 24.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- No annual fee
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
- Access your FICO® Score for free within Online Banking or your Mobile Banking app
- See More Details & Reviews About TheBankAmericard® credit card
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.49% - 26.49%, based on your creditworthiness
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.49% - 26.49%, based on your creditworthiness
- If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- The same great rate for all balances, after the introductory period
- Save time when you call with fast, personal help, 24 hours a day – just say “representative”
- Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
- See More Details & Reviews About TheCiti Simplicity® Card - No Late Fees Ever
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Earn 3% cash back in the category of your choice, 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
- No expiration on rewards
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
- No annual fee
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.74% - 25.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- See More Details & Reviews About TheBank of America® Cash Rewards credit card
- Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
- 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
- 0% intro APR on purchases for 15 months; 15.74% - 25.74% variable APR after that
- 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
- See More Details & Reviews About TheCapital One® SavorOne® Cash Rewards Credit Card
- Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Offer: 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.
- Balance Transfers do not earn cash back.
- The standard variable APR for Citi Flex Plan is 15.74% - 25.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion
- See More Details & Reviews About TheCiti® Double Cash Card – 18 month BT offer
- Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
- No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
- Earn Points on Every Purchase! It’s simple: $1 = 1 Point
- Select Your Rewards Your Way
- 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 14.90% - 24.90%, based on your creditworthiness
- No Annual Fee
- See More Details & Reviews About TheAmalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card
- Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
- No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
- Earn Points on Every Purchase! It’s simple: $1 = 1 Point
- Select Your Rewards Your Way
- 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 11.25% (V)
- No Annual Fee
- See More Details & Reviews About TheAmalgamated Bank of Chicago Union Strong Mastercard® Credit Card
- 2,500 bonus miles after the first purchase made within the first 3 billing cycles.
- 1 mile for every $1 on China Airlines purchases and 1 mile for every $2 spent everywhere else.
- Miles expire after 36 months.
- MasterRental collision damage waiver
- Ability to view and pay your Mastercard® account online with free Dollar Bank Online Banking
- 24/7 Mastercard® Assistance Center toll-free at 1-800-307-7309
- Access to your account information 24/7.
- Zero fraud liability.
- See More Details & Reviews About TheDollar Bank Low Rate Credit Card
- Earn a 1.25% cash back rebate on card purchases.
- Unlimited cash back.
- Ability to view and pay your Mastercard® account online with free Dollar Bank Online Banking
- Access to your account information 24/7
- Benefits: MasterRental collision damage waiver, Emergency card replacement and cash disbursement, Lost/stolen card reporting, Zero fraud liability, 24/7 Mastercard® Assistance Center toll-free at 1-800-307-7309 and Optional Credit Life Insurance protects your family from the responsibility of up to $100,000 in credit card debt
- See More Details & Reviews About TheDollar Bank Rewards Credit Card
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What is the best Mastercard balance transfer credit card?
The best Mastercard balance transfer credit cards are pretty much the market’s best overall balance transfer offers. But Mastercard doesn’t actually have too much to do with that. A card’s network is not what makes it great for reducing the cost of existing debt. Its balance transfer APRs (introductory and regular), transfer fee, annual fee and approval requirements are what really matter. And cards on the Mastercard network happen to offer the best collection of such terms at the moment.
Which cards in particular lead the way? WalletHub’s editors compared 1,000+ offers to make that determination, and you can check out their top picks below.
Best Mastercard balance transfer credit cards:
| Card Name | Intro Transfer APR | Balance Transfer Fee | Annual Fee |
| Citi Simplicity® Card - No Late Fees Ever | 0% for 21 months* | 5% (min $5) | $0* |
| BankAmericard® credit card | 0% for 18 billing cycles for any balance transfers made in the first 60 days | 3% (min $10) | $0 |
| Barclaycard Ring® Mastercard® | 0% for 15 months* | 2% (min $5) for the first 45 days, $0 after** | $0 |
| Citi ThankYou® Preferred Card | 0% for 15 months | 3% (min $5) | $0* |
| Capital One® SavorOne® Cash Rewards Credit Card | 0% for 15 months | 3% | $0 |
| SunTrust Prime Rewards Credit Card | 5% (V) for 36 months | $0 | None |
| Santander Bank Sphere Credit Card | 0% for 18 months | 4% (min $10) | None |
As you can see, the best balance transfer Mastercards require good or excellent credit for approval. You can check your latest credit score for free on WalletHub to gauge your odds of qualifying.
Questions & Answers
Comparing mastercard 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 moreshow less
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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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