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.
Here are the best Mastercard balance transfer credit cards:
| Intro Transfer APR | Card Name | Card Network | Annual Fee | Balance Transfer Fee | Regular APR | Min. Credit Required |
| 4.75% (V) for 36 months | SunTrust Prime Rewards Credit Card | Mastercard | None | None | 12.74% - 22.74% (V) | Excellent |
| 0% for 18 months | Santander Bank Sphere Credit Card | Mastercard | None | 4% (min $10) | 13.99% - 23.99% (V) | Excellent |
| 0%* for 21 months | Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer | Mastercard | $0* | 5% (min $5) | 14.74% - 24.74%* (V) | Good |
| 0%* for 18 months | Citi Simplicity® Card - No Late Fees Ever | Mastercard | $0* | 5% (min $5) | 15.74% - 25.74%* (V) | Good |
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.
