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Mastercard Balance Transfer Credit Cards
WalletHub makes it easy to find the best Mastercard balance transfer credit card.
MASTERCARD BALANCE TRANSFER CREDIT CARDS
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Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card
- 20,000 miles initial bonus
- Unlimited 1.25 miles per $1 on every purchase
- Miles are redeemable for any travel-related expense on your bill
- 0% intro APRs
- No annual fee
- Balance transfer fee
- Potential for a very high regular APR
BankAmericard® credit card BankAmericard® credit card
- Low balance transfer intro APR for 21 billing cycles
- Low purchase intro APR for 21 billing cycles
- No annual fee
- Balance transfer fee of 3% (min $10)
- Very high regular APR
- Excellent credit required
Citi® Diamond Preferred® Card Citi® Diamond Preferred® Card
- 0% intro APR for 12 months on purchases
- 0% intro APR for 21 months on balance transfers
- $0 annual fee
- 5% (min $5) balance transfer fee
- Foreign transaction fee
- High regular APR
- No rewards
Citi® Double Cash Card – 18 month BT offer Citi® Double Cash Card – 18 month BT offer
- Offers 2% cash back
- $0 annual fee
- Multiple redemption options
- Low intro APR on balance transfers
- 3% foreign transaction fee
- Must have at least $25 in rewards to redeem
Citi Custom Cash℠ Card Citi Custom Cash℠ Card
- $200 initial bonus
- $0 annual fee
- Up to 5% cash back
- 0% introductory APRs
- Bonus rewards limit
- High regular APR
- Foreign transaction fee
Citi Rewards+® Card Citi Rewards+® Card
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
Citi Simplicity® Card Citi Simplicity® Card
- 0% intro rate on balance transfers for 21 months
- 0% intro rate on new purchases for 12 months
- No annual fee
- 5% (min $5) balance transfer fee
- High regular APR
- No rewards
Chase Freedom Flex℠ Chase Freedom Flex℠
- No annual fee
- $200 initial bonus
- Ongoing rewards of 1 - 5% cash back
- 0% for 15 months on purchases and balance transfers
- Doesn't really offer cash back
- Rotating bonus rewards categories
- Earning limit in bonus categories
- 3% foreign transaction fee
First Tech Choice Rewards World Mastercard® First Tech Choice Rewards World Mastercard®
- No membership fees
- 0% intro APR on balance transfers
- No balance transfer fee
- High rewards rate
- No intro APR on purchases
China Airlines Credit Card With No Annual Fee China Airlines Credit Card With No Annual Fee
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% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer | $0 |
| Citi® Double Cash Card – 18 month BT offer | 0% for 18 months | 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer | $0 |
| BankAmericard® credit card | 0% for 21 billing cycles for any balance transfers made in the first 60 days | 3% (min $10) | $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
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. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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