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Best Balance Transfer Credit Cards

In general, if you are looking for a credit card to do a 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 some rewards cards offering 0% APR on balance transfers and we’ve listed some below.

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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7 Cards Available:

Credit card

Avianca Vuela Visa Card

Annual Fee: $149

Estimated Bonus Value :

$720

Calculator

Annual Fee: $149

Calculator
Estimated Bonus Value :

$720

Offer: 60,000: Earn 40,000 Bonus Avianca LifeMiles after you use the card one time and 20,000 more after spending $1,000 in 90 days - must use promo code SB4060 on application.

While not a card typically on most people's radar, this card and its sister, the Avianca Vida card, are an interesting proposition for two reasons.

1) The Welcome offer essentially allows you to buy 40,000 LifeMiles for the $149 annual fee, or less than half a cent per mile.

2) Many people have been locked out of the more conventional program's affiliated cards, for reasons such as Chase's 5/24 rule. This card is issued by Banco Popular.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Avianca and is therefore counted at 2x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: 60,000: Earn 40,000 Bonus Avianca LifeMiles after you use the card one time and 20,000 more after spending $1,000 in 90 days - must use promo code SB4060 on application.
Credit card

Chase Freedom Credit Card

Annual Fee: $0

Estimated Bonus Value :

$263

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$263

Offer: Earn 15,000 Bonus Ultimate Rewards points (can be redeemed for $150) when you spend $500 within 3 months

A no-fee Chase card with rotating 5x Ultimate Rewards points earning categories. The categories change every 3 months and vary from gas to drug stores and anything in between. This card is excellent to have in conjunction with a Chase Sapphire Reserve or Chase Sapphire Preferred, both of which unlock transfers to airlines and hotels and an ability to combine your points between them.

Because the 5% bonus categories rotate, we cannot factor this into your spend. Therefore, your actual rewards will be higher than shown.

This card is best combined with a Chase Sapphire Reserve, Chase Sapphire Preferred, or Chase Ink Business Preferred to unlock the power of transfer partners.

NOTE: This card can be used as cash back or as an Ultimate Rewards points card. In valuing your rewards, we assume you also have a Chase Sapphire Reserve, Chase Sapphire Preferred, or Chase Ink Business Preferred. You can then transfer points from this card to one of those to unlock the power of transfer partners. If you have this card without one of the above cards, your rewards value will be lower with each point worth exactly 1 cent.

Offer: Earn 15,000 Bonus Ultimate Rewards points (can be redeemed for $150) when you spend $500 within 3 months
Credit card
Estimated Bonus Value :

$263

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$263

Offer: Get $150 (15,000 Ultimate Rewards points) when you spend $500 in your first 3 months

A no-fee Chase card offering 1.5x Ultimate Rewards points on everything. It's best combined with a Chase Sapphire Reserve or Chase Sapphire Preferred, or Chase Ink Business Preferred to unlock the power of transfer partners.

NOTE: This card can be used as cash back or as an Ultimate Rewards points card. In valuing your rewards, we assume you also have a Chase Sapphire Reserve or Chase Sapphire Preferred, or Chase Ink Business Preferred. You can then transfer points from this card to one of those to unlock the power of transfer partners. If you have this card without one of the above cards, your rewards value will be lower with each point worth exactly 1 cent.

Offer: Get $150 (15,000 Ultimate Rewards points) when you spend $500 in your first 3 months
Credit card
Estimated Bonus Value :

$255

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$255

Offer: 15,000 bonus Membership Rewards points when you spend $5,000 in 3 months

Highly Recommended:

Earn 2x Membership Rewards points on everything - up to $50,000 per year. This is a great card to use when your expense doesn't correspond to a bonus category on any of your other cards.

Offer: 15,000 bonus Membership Rewards points when you spend $5,000 in 3 months
Credit card

Blue Cash Everyday Card

Annual Fee: $0

Estimated Bonus Value :

$150

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$150

Offer: Get a $150 statement credit when you spend $1,000 in your first 3 months.

The Blue Cash EveryDay credit card has no annual fee and earns cash back.

It features bonus cashback on groceries, gas, and department stores.

- Earn 3% cash back at US supermarkets for up to $6,000 in annual purchases

- Earn 2% cash back at US gas stations and certain US Department Stores

- Earn 1% cash back on everything else.

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.)

Offer: Get a $150 statement credit when you spend $1,000 in your first 3 months.
Credit card
Estimated Bonus Value :

$150

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$150

Offer: Get a $150 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.

Offer: Get a $150 cash bonus when you spend $500 in your first 3 months.
Credit card
Estimated Bonus Value :

$150

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$150

Offer: Get a $150 cash bonus when you spend $500 within your first 3 months (ELEVATED OFFER)

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

Get 3% on dining and entertainment, 2% at grocery stores and 1% everywhere else.

Offer: Get a $150 cash bonus when you spend $500 within your first 3 months (ELEVATED OFFER)

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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