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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11 Cards Available:
Capital One VentureOne Rewards Credit Card
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.$640
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.$640
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 18 months; 19.74% - 29.74% variable APR after that; 3% fee on the amounts transferred within the first 18 months
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.
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
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 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.
Blue Cash Everyday® Card from American Express
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.$200
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.$200
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
Enjoy a 0% intro APR for 15 months on purchases from the date of account opening, then a variable rate, 18.74% to 29.74%. (Rates and Fees)
Capital One Quicksilver Cash Rewards Credit Card
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.$200
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.$200
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; 19.74%-29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Capital One SavorOne Cash Rewards Credit Card
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.$200
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.$200
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; 19.74%-29.74% variable APR after that.
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.$200
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.$200
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
0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 19.49% - 28.49%.
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.
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
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
0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
Citi® Diamond Preferred® Credit Card
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
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:
0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.74% - 28.49%, 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 5% of the amount of each transfer, whichever is greater.
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.
Wells Fargo Reflect Credit Card
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
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.
Chase Ink Preferred
Here’s how we calculated your Rewards Value:
Point Value X Multiplier = Rewards Value
X =
Here’s how we calculated your Bonus Value:
Point Value X Bonus = Bonus Value
X =
Meet Dave
Dave’s spent the last 15 years traveling the world in first class using his miles and points. After analyzing the unique credit card spending habits of thousands of MilesTalk readers over the years, he developed YourBestCreditCards.com.
