Mastercard Balance Transfer Credit Cards
WalletHub makes it easy to find the best Mastercard balance transfer credit card.
Mastercard balance transfer credit cards are issued by many different credit card companies (some of which are WalletHub partners). That’s because Mastercard is a card network, not a bank or credit union. So it determines wh… show more
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BankAmericard® credit card BankAmericard® credit card
- New Offer! $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
- 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, 12.99% - 22.99% 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
- Contactless Cards - The security of a chip card, with the convenience of a tap
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- See More Details & Reviews About TheBankAmericard® credit card
Citi® Diamond Preferred® Card Citi® Diamond Preferred® Card
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
- See More Details & Reviews About TheCiti® Diamond Preferred® Card
Citi® Double Cash Card – 18 month BT offer Citi® Double Cash Card – 18 month BT offer
- 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 13.99% - 23.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, 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
Citi Custom Cash℠ Card Citi Custom Cash℠ Card
- Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
- See More Details & Reviews About TheCiti Custom Cash℠ Card
Citi Simplicity® Card Citi Simplicity® Card
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
- See More Details & Reviews About TheCiti Simplicity® Card
Citi Rewards+® Card Citi Rewards+® Card
- FOR A LIMITED TIME, earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheCiti Rewards+® Card
Dollar Bank Low Rate Credit Card Dollar Bank Low Rate Credit Card
- Promotional balance transfer fee of 1% (min. $5) for the first six months.
- MasterRental collision damage waiver and ID Theft Protection.
- 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.
- Optional Credit Life Insurance protects your family from the responsibility of up to $100,000 in credit card debit.
- Zero fraud liability.
- See More Details & Reviews About TheDollar Bank Low Rate Credit Card
Citizens Bank Cash Back Plus™ World Mastercard® Citizens Bank Cash Back Plus™ World Mastercard®
- Earn a $150 bonus when you open a new card by Oct 14th and spend $500 within 3 months.
- 1.8% cash back on your everyday eligible purchases.
- No limit to the amount of cash back you can earn.
- Zero Liability protection against unauthorized purchases.
- Extended Warranty Protection doubles the original manufacturer's or store brand warranty for up to two years.
- Use Digital Wallets, including Apple Pay®, Samsung Pay™, and Google Pay™ to pay in store, online, and in app.
- MasterRental Insurance for collision, loss, or damage.
- See More Details & Reviews About TheCitizens Bank Cash Back Plus™ World Mastercard®
Harvard Credit Card Harvard Credit Card
- Earn 10,000 bonus rewards points when you spend $500 in the first 90 days of card membership.
- $1 cash back for every $100 you spend.
- Double points for gas, grocery and dining purchases.
- Double points on the first $50,000 spent towards Harvard University gifts per year.
- Your points are worth 25% more when you redeem them for travel. No restrictions. No blackouts. Valid toward any commercial flight, hotel, cruise, car rental, and more.
- Redeem points for Cash Back, Travel, Harvard Coop Gift Cards or The Harvard Chair.
- World Mastercard Benefits such as: Concierge Services, Travel Accident and Luggage Insurance, Extended Warranty Program, Vehicle Rental Coverage and Identity Theft Resolution Services.
- See More Details & Reviews About TheHarvard Credit Card
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 | 0% for 21 months | 5% (min $5) | $0 |
| Citi Rewards+® Card | 0% for 15 months | 3% (min $5) | $0 |
| Citi® Double Cash Card – 18 month BT offer | 0% for 18 months | 3% (min $5) | $0 |
| SunTrust Prime Rewards Credit Card | 3.25% (V) for 36 months | $0 | $0 |
| Edward Jones Business Credit Card | 0% for 12 months | $0 | $0 |
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 more
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Featured Credit Cards
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