0% Balance Transfer Credit Cards
WalletHub makes it easy to find the best balance transfer cards.
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Best Balance Transfer Cards
- Citi® Diamond Preferred® Card: Long 0% balance transfer intro period
- Citi® Double Cash Card: Balance transfers & rewards
- Wells Fargo Platinum card: Good-credit balance transfers
- Bank of America® Cash Rewards Credit Card for Students: Students
- SunTrust Prime Rewards Credit Card: No balance transfer fee
- U.S. Bank Visa® Platinum Card: No interest for 20 months
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
Wells Fargo Platinum card Wells Fargo Platinum card
- 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
- $0 Annual Fee
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
- Easy access to your FICO® Credit Score with Wells Fargo Online®
- Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications
- Convenient tools to help create a budget and manage your spending with My Money Map
- Select "Apply Now" to learn more about the product features, terms and conditions
- See More Details & Reviews About TheWells Fargo Platinum card
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
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
Wells Fargo Cash Wise Visa® card Wells Fargo Cash Wise Visa® card
- Earn a $150 cash rewards bonus after spending $500 on purchases in the first 3 months
- Earn unlimited 1.5% cash rewards on purchases
- 1.8% cash rewards on digital wallet purchases including Google Pay™ or Apple Pay® during the first 12 months from account opening
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® card
- No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
- Select "Apply Now" to learn more about the product features, terms and conditions
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.49% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
- $0 annual fee
- See More Details & Reviews About TheWells Fargo Cash Wise Visa® card
Wells Fargo Propel American Express® card Wells Fargo Propel American Express® card
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
- Earn 3X points on eating out and ordering in
- Earn 3X points on popular streaming services
- Earn 3X points on gas stations, rideshares and transit
- Earn 3X points on travel including flights, hotels, homestays and car rentals
- Earn 1X points on other purchases
- Select "Apply Now" to learn more about the product features, terms and conditions
- $0 annual fee and no foreign currency conversion fee
- See More Details & Reviews About TheWells Fargo Propel American Express® 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
Discover it® chrome Discover it® chrome
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Redeem your cash back for any amount, any time. Cash rewards never expire.
- 100% U.S. Based Customer Service available any time.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- No annual fee.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- See More Details & Reviews About TheDiscover it® chrome
Discover it® Cash Back Discover it® Cash Back
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back in any amount, any time. Rewards never expire.
- Use your rewards at Amazon.com checkout.
- #1 Most Trusted Credit Card according to Investor’s Business Daily.
- No annual fee.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- See More Details & Reviews About TheDiscover it® Cash Back
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
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Best Balance Transfer Cards

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 14.49% - 24.49% (V). Applicants usually need excellent credit for approval.
SunTrust Prime Rewards Credit Card
The best credit card for balance transfers 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% intro for 120 days, then 5%. The card’s regular APR is 16.49% - 24.49% Variable. Plus, unlike many of the other top balance transfer cards, you don’t need excellent credit to get approved for Wells Fargo Platinum.
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 credit cards for balance transfers 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 |
Comerica Bank Visa® Platinum Card | 3% (min $5) | 20 months | 13.49% - 23.49% (V) |
Citi® Diamond Preferred® Card | 3% (min $5) | 18 months | 14.74% - 24.74% (V) |
Citi® Double Cash Card – 18 month BT offer | 3% (min $5) | 18 months | 13.99% - 23.99% (V) |
U.S. Bank Visa® Platinum Card | 3% (min $5) | 20 months | 14.49% - 24.49% (V) |
Bank of America® Cash Rewards Credit Card for Students | 3% (min $10) | 12 months | 13.99% - 23.99% (V) |
Wells Fargo Platinum card | 3% intro for 120 days, then 5% | 18 months on qualifying balance transfers | 16.49% - 24.49% Variable |
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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Yong Li
Lee Professor of Entrepreneurship & Research Director, Troesh Center for Entrepreneurship and Innovation, University of Nevada, Las Vegas
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Kyoung Tae (KT) Kim
Ph.D., Associate Professor and Graduate Program Coordinator, Family Financial Planning and Counseling Graduate Program Director, Department of Consumer Sciences College of Human Environmental Sciences, University of Alabama
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Amitabh S. Dutta
Associate Professor of Finance, Bisk College of Business, Florida Institute of Technology
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Ashford Maharaj
Ph.D., AFA®, Adjunct Finance Faculty, Metropolitan College of New York
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Randal Ice
Ph.D., Barnabas Professor of Finance, University of Central Oklahoma
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Theodore Francavilla
Former Senior Vice President in Consumer Financial Services at JP Morgan Chase; Adjunct Professor of Finance at Concordia College, Bronxville, New York
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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. 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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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.