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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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6 Cards Available:

Credit card
Estimated Bonus Value :

$320

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dollar Annual Fee: $0

Calculator
Estimated Bonus Value :

$320

Offer: 20,000 miles when you spend $500 within 3 months

This no-fee card offers 1.25x on all purchases.

Compare this card with the standard Venture which earns 2x miles on all purchases. Spend your miles on travel at a penny per mile or transfer them to more than a dozen airlines.

Most people would fare better with the standard Capital One Venture card, despite its annual fee, because it earns at the rate of 2x per dollar instead of 1.25x.

The bonus value for the early spend bonus on this card assumes you will transfer the points to miles. If you use to book travel, the early spend bonus value will be $200, exactly.

You can transfer to more than 15 airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.

Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Offer: 20,000 miles when you spend $500 within 3 months
Credit card
Estimated Bonus Value :

$200

Calculator

dollar Annual Fee: $0

Calculator
Estimated Bonus Value :

$200

Offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms apply. (Rates and Fees)

The Blue Cash Everyday® Card from American Express has no annual fee and earns cash back with several popular bonus categories.

The Blue Cash Everyday has bonus cashback on groceries, online retail, and gas.

  • Earn 3% cash back at US supermarkets* for up to $6,000 in annual purchases; then 1%.
  • Earn 3 % on online retail purchases up to $6,000 annually, then 1%.
  • Earn 3% cash back at US gas stations, up to $6,000 annually, then 1%.
  • Earn 1% cash back on all other eligible purchases.
  • Terms apply.

*American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

Additional Blue Cash Preferred Benefits

  • The Disney Bundle: Get $7 back each month after using your Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
  • $180 Home Chef Credit: Receive up to $15 per month in statement credits when you purchase Home Chef meal solutions online with your enrolled Blue Cash Everyday Card. (Shipping available in the contiguous US only.)

0% Intro APR and 0% Balance Transfer APR

Enjoy a 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR. (Rates and Fees)

Offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$200

Calculator

dollar Annual Fee: $0

Calculator
Estimated Bonus Value :

$200

Offer: Get a $200 cash bonus when you spend $500 in your first 3 months.

Earns 1.5% cash back on all purchases with no annual fee and no foreign transaction fees. For those with good credit.

Also, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Terms apply.

Uber Benefit

Get up to 6 months of complimentary Uber One membership statement credits through November 14, 2024.

0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Offer: Get a $200 cash bonus when you spend $500 in your first 3 months.
Credit card
Estimated Bonus Value :

$200

Calculator

dollar Annual Fee: $0

Calculator
Estimated Bonus Value :

$200

Offer: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

This no-fee card offers food and entertainment-centric cash back bonus categories.

Get 3% on dining, 3% on streaming, 3% on entertainment, 3% at grocery stores (excluding superstores like Walmart(R) and Target®) and 1% everywhere else. Plus, earn 8% cash back on Capital One Entertainment purchases.

Also, earn 5% cash back on hotels and rental cars booked through Capital One Travel. Terms apply.

Uber Benefit

Automatically earn 10% back on qualifying purchases on Uber and Uber Eats plus complimentary Uber One membership, through November 14, 2024

0% intro APR on purchases for 15 months; 19.99% - 29.99% variable APR after that. 3% fee on the amounts transferred within the first 15 months

Offer: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Credit card
Estimated Bonus Value :

$0

Calculator

dollar Annual Fee: $0

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Estimated Bonus Value :

$0

Offer: None

A no-annual fee credit card with an extra long 0% APR intro period on both new purchases and balance transfers.

Currently, the offer is up to 21 months at 0% APR!!

You start with 18 months and this is extended to 21 months as long as you make all minimum payments on time. 12.99% to 24.99% variable APR thereafter.

Balance transfers made within 120 days also qualify for the 0% APR.

That's a fantastic offer for balance transfers and for new purchases.

This card does not earn rewards, though it does have cell phone protection when you pay your bill with the card.

Offer: None

Don’t Miss Out On Limited time Offers

Credit card companies regularly offer limited time increased signup bonus offers on their credit cards. They also sometimes change card benefits or otherwise change up their card lineups.
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