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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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8 Cards Available:

Credit card
Estimated Bonus Value :

$500

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Annual Fee: $0

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Estimated Bonus Value :

$500

Offer: Get $500 when you spend $3,000 in your first 90 days

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.

Offer: Get $500 when you spend $3,000 in your first 90 days
Credit card
Estimated Bonus Value :

$500

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Annual Fee: $0

Calculator
Estimated Bonus Value :

$500

Offer: Get $500 when you spend $4,500 in your first 150 days

The U.S. Bank Triple Cash Rewards Visa® Business Card is a new small business credit card that offers a great 3% cash back at gas stations including EV charging stations, office supplies or cell phone service or at restaurants.

You will earn 3% cash back on all four of these categories with no cap.

Also earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.

No annual fee.

Offer: Get $500 when you spend $4,500 in your first 150 days
Credit card
Estimated Bonus Value :

$320

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Annual Fee: $0

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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.

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

$200

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Annual Fee: $0

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Estimated Bonus Value :

$200

Offer: Get $200 (in the form of 20,000 points) when you spend $1,000 in your first 90 days

With 4% cash back on dining, including takeout and delivery, 2% back on groceries, streaming, and gas, and no annual fee, our review is that the Altitude GO is a surprisingly strong card.

Card Features:

  • 4% cash back on dining, including takeout and delivery
  • 2% cash back on grocery stores and grocery delivery, streaming services and purchases at gas stations
  • 1% cash back on everything else
  • No annual fee
  • No foreign transaction fees
  • A one-time $15 streaming service credit after 11 months of streaming service purchases.

0% Intro APR for 12 Months on the Altitude GO card

New cardmembers will get a 0% APR on new purchases and on balance transfers for 12 months. A 3% fee applies to balance transfers.

US Bank Altitude GO Credit Card Review

The bottom line is that 4% cash back on dining, including takeout, dine-in, and delivery, is extremely strong for a credit card without an annual fee. It compares to the Capital One Savor card, though that card carries an annual fee.

Beyond the 4% cash back on dining, the 2% and 1% categories aren't special, especially considering the Citi Double Cash earns 2% back on everything, all of the time. But we can't think of another card earning 4% back on dining without an annual fee.

This card is for people with a very strong credit profile. You should have a 720 or better FICO to apply for this card.

Offer: Get $200 (in the form of 20,000 points) when you spend $1,000 in your first 90 days
Credit card

Citi Double Cash Card

Annual Fee: $0

Estimated Bonus Value :

$0

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Annual Fee: $0

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Estimated Bonus Value :

$0

Offer: None at this time.

The Citi Double Cash credit card is one of the "gold standards" in cash back cards.

This card earns a flat 2% cash back in a slightly different way.

You will earn 1% cash back twice: first when you make the charge, then when you pay. That's 2% total.

Cash back will be earned in the form of ThankYou Points, redeemable for cash or combinable with your other ThankYou points.

You can redeem your points directly for cash or you can convert Double Cash points to JetBlue. And if you have a Citi Premier or Citi Prestige, then you can also transfer them to Citi's participating travel loyalty programs at a 1:1 ratio, making this card worth a look for points and cash aficionados alike.

Balance Transfer Offer

Get a 0% intro APR on Balance Transfers for 18 months

Offer: None at this time.
Credit card
Estimated Bonus Value :

$0

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Annual Fee: $0

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Estimated Bonus Value :

$0

Offer: None at this time

The Citi Diamond Preferred credit card isn't about travel rewards. It's designed for those that want to take advantage of its 12 month long 0% intro APR and 21 month Balance Transfer offers.

Citi Diamond Preferred 0% APR Balance Transfer Offer:

Within the first four months after approval, you will get a 0% Intro APR on balance transfers for 21 months (this is from the date of your first transfer). The APR following the intro period is variable. This is currently the longest 0% APR balance transfer period on the market.

You must complete all Balance Transfers within the first four months following approval.

A $5 or 5% balance transfer fee applies, whichever is greater.

Citi Diamond Preferred 0% Intro APR Offer

You'll also get a 0% Intro Apr on all new purchases for the first 12 months.

Offer: None at this time
Credit card
Estimated Bonus Value :

$0

Calculator

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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