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 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 | 5.5% (V) for 36 months | None | 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.
