Best Balance Transfer Credit Cards
The Best Balance Transfer Credit Card Offers
In general, if you are looking for a credit card to do a 0% Balance Transfer, rewards earning credit cards are not going to be your best choice as they have the highest rates once you complete the intro offer period. That said, there are many credit cards offering 0% APR on balance transfers and we’ve listed some below.
What is a Balance Transfer Credit Card?
The credit card itself isn’t a “balance transfer credit card.” This is an introductory offer that credit card issuers make to incentivize you to move your debt from your existing credit card to their credit card.
Pay special attention on each card to both the length of the 0% APR period on the balance transfer as well as the cost to do the balance transfer (generally 3% to 5% of the transferred balance). It will also only apply to balance transfers initiated within a certain defined timeframe that starts when you are approved for the card.
Which are the Best Balance Transfer Credit Cards?
We show a variety of options below, as you may have a preference for a particular bank, length of balance transfer offer (15-18 months are common, one has a 21 month balance transfer period) or other card benefits. These are all described when you click through to the card using the “How to Apply” button.
This is also different from a 0% Intro APR Credit Card which offers you an intro 0% period with no interest charges on new purchases.
We base our ratings below on the value of the points of each card multiplied by the amount of the bonus. Pretty simple!
Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
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US Bank Business Cash Rewards World Elite Mastercard
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$500
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$500
The US Bank Business Cash Rewards World Elite Mastercard may not be the first small business credit card that you think of, but it's an excellent cash back card if you spend a lot at gas stations, office supplies or cell phone service as you will earn 3% cash back on all three of these categories with no cap.
You also get a 25% bonus each anniversary of your prior year's rewards, up to $250.
There's no annual fee, no foreign transactions fees, and it offers complimentary secondary cell phone protection.

Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$0
This credit card from Chase is designed to help those building credit to do so faster.
Receive a 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 19.49% - 28.24% on balance transfers and purchases after the introductory period ends.
You will automatically be considered for an APR reduction of 2% per year when you pay on time each month and have spent at least $1,000 before your next card anniversary date.
Chase will also automatically consider you for a higher credit line: They will automatically review your account (one time) for a higher credit limit when you pay on time as long as you spend $500 within your first six months.
This card has no annual fee.

Chase Ink Preferred
Here’s how we calculated your Rewards Value:
Point Value X Multiplier = Rewards Value
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Here’s how we calculated your Bonus Value:
Point Value X Bonus = Bonus Value
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