Mastercard Balance Transfer Credit Cards
WalletHub makes it easy to find the best Mastercard balance transfer credit card.
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- 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. 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 3% 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 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheCiti® Diamond Preferred® Card
- 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
- The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com.
- 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 and purchases for 15 months. 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
- 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.
- 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
- Earn a 1.25% cash back rebate on card purchases.
- Unlimited cash back.
- Promotional balance transfer fee of 1% (min. $5) for the first six months.
- 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
- 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®
- 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.
- 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.
- Double points on the first $50,000 spent towards Harvard University gifts per year.
- Redeem points for Cash Back, Travel, Harvard Coop Gift Cards or The Harvard Chair.
- Get access to complimentary amenities at a collection of nearly 1,000 hotel properties around the world. In addition, take advantage of special savings of up to 20% off lowest available non-restricted rates at select properties
- Other Benefits include Premium concierge service, Rental car insurance, Return protection, Extended warranty and Zero fraud liability.
- See More Details & Reviews About TheHarvard 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 18 months | 3% (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
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† 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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