Balance Transfer Credit Cards
WalletHub makes it easy to find the best balance transfer cards.
Best Balance Transfer Credit Cards
- Bank of America® Cash Rewards Credit Card for Students: Students
- Citi® Double Cash Card: Balance transfers & rewards
- SunTrust Prime Rewards Credit Card: No balance transfer fee
- U.S. Bank Visa® Platinum Card: No interest for 20 months
- Citi® Diamond Preferred® Card: Excellent credit
- Wells Fargo Platinum card: Good-credit balance transfers
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Citi® Diamond Preferred® Card Citi® Diamond Preferred® Card

- 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
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
Bank of America® Cash Rewards credit card Bank of America® Cash Rewards credit card

- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
- No expiration on rewards
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
- No annual fee
- 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- Contactless Cards - The security of a chip card, with the convenience of a tap
- See More Details & Reviews About TheBank of America® Cash Rewards credit card
Citi Rewards+℠ Card Citi Rewards+℠ Card

- 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
PenFed Gold Visa® Card PenFed Gold Visa® Card

- $100 statement credit after spending $1,500 in purchase transactions within the first 90 days of account opening.
- Rate and offers current as of January 1, 2021 and subject to change.
- Purchase variable Rate As Low As 7.49% APR
- 0% promotional rate for 12 months on balance transfers made between now and March 31, 2021. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. 3% balance transfer fee per transaction. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
- No annual fee
- No foreign transaction fee
- No cash advance fees
- Chip and Contactless ‘Tap to Pay’ enabled for added security, ease and convenience at the point of sale
- Click and Pay eligible, via Secure Remote Commerce, so you can enjoy easy and secure online buying checkout
- Digital wallet capable
- Cash Advance APR 17.99%
- See More Details & Reviews About ThePenFed Gold Visa® Card
BankAmericard® credit card BankAmericard® credit card

- 0% Introductory APR for 12 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
- See More Details & Reviews About TheBankAmericard® credit card
PenFed Platinum Rewards Visa Signature® Card PenFed Platinum Rewards Visa Signature® Card

- $100 statement credit after spending $1,500 in purchase transactions within the first 90 days of account opening.
- Earn 5 points on gas purchases at the pump. Fuel purchases for airplanes and boats and made via inside store attendant receive 1 point per dollar spent.
- Earn 3 points on supermarket purchases (3 points/dollar spent)
- Earn 1 point on all other purchases (1 point/dollar spent)
- Rate and offers current as of January 1, 2021 and subject to change.
- No annual fee
- No foreign transaction fees
- No cash advance fee
- Chip and Contactless ‘Tap to Pay’ enabled for added security, ease and convenience at the point of sale
- Click and Pay eligible, via Secure Remote Commerce, so you can enjoy easy and secure online buying checkout
- Digital wallet capable
- Purchase variable rate as low as 13.49% APR
- 0% promotional rate for 12 months on balance transfers made between now and March 31, 2021. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. 3% balance transfer fee per transaction. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
- Cash Advance APR 17.99%
- See More Details & Reviews About ThePenFed Platinum Rewards Visa Signature® Card
PenFed Power Cash Rewards Visa Signature® Card PenFed Power Cash Rewards Visa Signature® Card

- $100 statement credit after spending $1,500 in purchase transactions within the first 90 days of account opening
- 2% cash back on all purchases through the PenFed Honors Advantage program
- 1.5% unlimited cash back on all purchases
- Flexible cash redemption options (Power Cash statement credit or cash-out to a checking or savings account)
- No caps, limits or category restrictions on cash rewards
- Rate and offers current as of January 1, 2021 and subject to change.
- No annual fee
- No foreign transaction fees
- No cash advance fee
- Chip and Contactless ‘Tap to Pay’ enabled for added security, ease and convenience at the point of sale
- Click and Pay eligible, via Secure Remote Commerce, so you can enjoy easy and secure online buying checkout
- Digital wallet capable
- Purchase variable rate as low as 14.99% APR
- 0% promotional rate for 12 months on balance transfers made between now and March 31, 2021. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. 3% balance transfer fee per transaction. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
- Cash Advance APR 17.99%
- See More Details & Reviews About ThePenFed Power Cash Rewards Visa Signature® 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
Arvest Bank Platinum Credit Card Arvest Bank Platinum Credit Card

- Earn 1 Arvest Flex Rewards™ point for every dollar spent on eligible purchases.
- You can redeem your points online for cash back, statement credits, travel, gift cards and more.
- Extended warranty protection for items purchased with your Card.
- Visa's Zero Liability protection
- Roadside Dispatch and Auto Rental Collision Damage Waiver.
- Visa's Global Emergency Assistance Services.
- See More Details & Reviews About TheArvest Bank Platinum Credit Card
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Best Balance Transfer Cards

SunTrust Prime Rewards Credit Card
The best balance transfer credit card with no balance transfer fee is the SunTrust Prime Rewards Credit Card. The SunTrust Prime Rewards Card offers a $0 balance transfer fee for 60 days, an introductory balance transfer APR of 3.25% (V) for 36 months, and a $0 annual fee. That’s an offer with a lot of money-saving potential.
Citi® Double Cash Card – 18 month BT offer
The Citi® Double Cash Card – 18 month BT offer is one of the best everyday credit cards on the market, and it begins its relationship with new cardholders by helping them pay down existing debt faster. The card does that by offering an introductory balance transfer APR of 0% for 18 months, which is accompanied by a balance transfer fee of 3% (min $5) and followed by a regular APR of 13.99% - 23.99% (V). Citi Double Cash also shines when it comes to everyday spending because it gives a total of 2% Cash Back on all purchases and has a $0 annual fee.
Wells Fargo Platinum card
The Wells Fargo Platinum card is one of the best balance transfer credit cards for people with good credit because it has an introductory balance transfer APR of 0% for 18 months on qualifying balance transfers, a $0 annual fee, and a fairly standard balance transfer fee: 3% for 120 days, then 5%. Plus, unlike many of the other top balance transfer cards, you don’t need excellent credit to get approved for Wells Fargo Platinum.
U.S. Bank Visa® Platinum Card
The best balance transfer credit card is the U.S. Bank Visa® Platinum Card. It offers 0% for 20 months on balances transferred within 60 days of opening an account and charges a 3% (min $5) balance transfer fee. The U.S. Bank Platinum Card also has a $0 annual fee and gives 0% for 20 months on purchases. Its regular APR is 13.99% - 23.99% (V). Applicants usually need excellent credit for approval.
Bank of America® Cash Rewards Credit Card for Students
The Bank of America® Cash Rewards Credit Card for Students is one of the best balance transfer credit cards on the market for students, beating out a lot of general-purpose offers based on terms alone. It includes 0% for 12 months on balance transfers, a 3% (min $10) balance transfer fee, 0% for 12 months on purchases, and a $0 annual fee. Just make sure to pay off most, if not all, of what you transfer before the card’s 13.99% - 23.99% (V) regular APR takes effect.
Citi® Diamond Preferred® Card
The Citi® Diamond Preferred® Card is one of the best balance transfer cards because it offers an intro APR of 0% for 18 months on balance transfers and has a $0 annual fee. All that introductory time might save you some money by saving you from high regular interest rates. It all depends on how much you owe and what you can afford to pay per month. When crunching the numbers (try WalletHub’s balance transfer calculator), make sure to account for the Citi Diamond Preferred Card’s 3% (min $5) balance transfer fee and its regular APR: 14.74% - 24.74% (V).
Final Thoughts
The best balance transfer credit cards have 0% APRs for 15-20 months, balance transfer fees between 0% and 3%, and $0 annual fees. The average balance transfer card has a 0% APR for nearly 12.21 months, along with a 3.04% transfer fee and a 17.31% regular APR. That context should make finding the right balance transfer card for your needs much easier, by giving you a good basis for comparison.
Still, the best balance transfer credit card is not one-size-fits-all. Which you should get depends on how much you owe, how quickly you’ll be able to repay that balance, and what your credit score is. But we can certainly point you in the right direction.
WalletHub’s editors compared hundreds of credit cards based on balance-transfer appeal. You can see how our favorites compare side by side below.
Best Balance Transfer Cards Compared
Credit Card | Balance Transfer Fee | 0% Balance Transfer Intro APR Period | Regular APR |
Wells Fargo Platinum card | 3% for 120 days, then 5% | 18 months on qualifying balance transfers | 16.49% - 24.49% Variable |
U.S. Bank Visa® Platinum Card | 3% (min $5) | 20 months | 13.99% - 23.99% (V) |
Citi® Double Cash Card – 18 month BT offer | 3% (min $5) | 18 months | 13.99% - 23.99% (V) |
Citi® Diamond Preferred® Card | 3% (min $5) | 18 months | 14.74% - 24.74% (V) |
Comerica Bank Visa® Platinum Card | 3% (min $5) | 20 months | 13.49% - 23.49% (V) |
Bank of America® Cash Rewards Credit Card for Students | 3% (min $10) | 12 months | 13.99% - 23.99% (V) |
To learn more about the cream of the transfer crop, check out WalletHub’s full review of the year’s best balance transfer credit cards. If you’re not sure whether you can get approved for one of the top balance transfer credit cards, checking your latest credit score for free on WalletHub should give you a better idea of your chances.
Questions & Answers
Comparing 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 moreshow less
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Featured Credit Cards
Ask the Experts
To help you get as much as possible out of your balance transfer and get out of debt sooner, we posed the following questions to a panel of experts. Just click on an expert’s name below to see his or her comments.
- What’s the best way to find the right balance transfer credit card?
- Why do you generally need good or excellent credit to get a 0% balance transfer credit card?
- What’s the biggest mistake people make with balance transfers?
- Why aren’t there more 0% balance transfer credit cards with $0 transfer fees?
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Laura Gonzalez
Associate Professor of Finance at California State University, Long Beach
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Patrick A. Cozza
Executive in Residence, Wealth Management at Silberman College of Business, Fairleigh Dickinson University
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Laura Dendinger
Professor at Wayne State College
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Al Kamienski
Professor of Finance at North Park University
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Kyle J. Putnam
Assistant Professor of Finance at Linfield College
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Oliver Schlake
Clinical Professor, Distinguished Fellow, Academy for Innovation and Entrepreneurship (AIE), Senior Executive Education Fellow, Department of Management & Organization, Robert H. Smith School of Business, University of Maryland
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† 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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