Best Balance Transfer Credit Cards of October 2019

Matt is a Certified Financial Planner® and investment advisor based in Columbia, South Carolina. He writes personal finance and investment advice, and in 2017 he received the SABEW Best in Business Award.

Our mission is to make the world smarter, happier, & richer. We do so by helping you find money tools to level up your finances. Our commitment is complete honesty, which is why you should know we may receive compensation from advertisers - it's how we make money. That transparency guides us and explains why our ratings aren't influenced by compensation.

Transferring high-cost credit card debt to one of our picks for best balance transfer credit cards can help you chip away at debt with the power of a jackhammer. We've compiled this in-depth guide to help you get rid of debt by guiding you to our favorite offers, some of which are from our partners, and outlining some balance transfer credit card essentials.

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On Citi's Secure Website.

Our Bottom Line

No late fees, no annual fee, and no penalty rate make this an unmatched pick, even better that it somehow packs in a market-leading 0% intro APR offer.

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What we Like:
  • 0% intro APR for balance transfers and purchases
  • No late-payment fees
  • No annual fee
Key Scores:
5.0 5 Perks
2.5 5 Fees
4.5 5 APR
Perks 5.0/5
Fees 2.5/5
APR 4.5/5
  • Annual Fee: $0*
  • Regular APR: 16.49% - 26.49%* (Variable)
  • Intro APR: Purchases: 0%, 12 months* Balance Transfers: 0%, 21 months*
Highlights
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.49% - 26.49%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.49% - 26.49%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
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Apply Now
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On Bank of America's Secure Website.

Our Bottom Line

Among the longest 0% intro APRs on the market, this no-annual-fee card is a clear winner. Few cards provide a 0% APR of this length on both purchases and qualifying balance transfers.

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What we Like:
  • Long 0% intro APR offer
  • No annual fee
  • FICO® Score for free
Key Scores:
5.0 5 Perks
4.0 5 Fees
4.5 5 APR
Perks 5.0/5
Fees 4.0/5
APR 4.5/5
  • Annual Fee: $0
  • Regular APR: 14.74% - 24.74% Variable
  • Intro APR: Purchases: 0%, 18 billing cycles Balance Transfers: 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
Highlights
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.74% - 24.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
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Apply Now
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On Discover's Secure Website.

Our Bottom Line

Few can top this offer. The balance transfer offer and cash rewards program, alone, are best in class, but you get both in one card without having to pay an annual fee.

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What we Like:
  • Balance transfer offer
  • Rotating bonus cash back
  • No annual fee
  • FICO® Score for free
Key Scores:
5.0 5 Perks
4.0 5 Fees
4.5 5 APR
Perks 5.0/5
Fees 4.0/5
APR 4.5/5
  • Annual Fee: $0
  • Regular APR: 13.74% - 24.74% Variable
  • Intro APR: Purchases: 0.00%, 6 months Balance Transfers: 0.00%, 18 months
Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
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Rates & Fees
Apply Now
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On Chase's Secure Website.

Our Bottom Line

One card to rule them all is the name of the game here. This offer includes unlimited 1.5% cash back and a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening, plus a long 0% intro APR offer.

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What we Like:
  • Innovative sign up bonus
  • Unlimited 1.5% cash back
  • 0% intro APR offer for 15 months
Key Scores:
5.0 5 Perks
4.0 5 Fees
4.0 5 APR
Perks 5.0/5
Fees 4.0/5
APR 4.0/5
  • Annual Fee: $0
  • Regular APR: 16.74% - 25.49% Variable
  • Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months
Highlights
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • Free credit score, updated weekly with Credit Journey℠
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
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Apply Now
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On Capital One's Secure Website.

Our Bottom Line

This may be the most versatile and flexible cash-back card on the market. The long 0% intro APR makes the offer hard to pass up, especially if you're wanting to keep a one-card wallet that packs in a rich rewards program.

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What we Like:
  • $150 sign-up bonus
  • Unlimited 1.5% cash back
  • No foreign transaction fees
  • 0% intro APR
Key Scores:
4.0 5 Perks
5.0 5 Fees
4.0 5 APR
Perks 4.0/5
Fees 5.0/5
APR 4.0/5
  • Annual Fee: $0
  • Regular APR: 15.74% - 25.74% Variable
  • Intro APR: Purchases: 0%, for 15 months Balance Transfers: 0%, for 15 months
Highlights
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
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Apply Now
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On Bank of America's Secure Website.

Our Bottom Line

The bonus leads the pack in the no-annual fee category, plus you earn premium cash back in a category of your choice and now have access to a long 0% intro APR offer.

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What we Like:
  • Big bonus offer
  • 3% back on gas or a category of your choice
  • No annual fee
Key Scores:
5.0 5 Perks
4.0 5 Fees
4.5 5 APR
Perks 5.0/5
Fees 4.0/5
APR 4.5/5
  • Annual Fee: $0
  • Regular APR: 15.74% - 25.74% Variable
  • Intro APR: Purchases: 0%, 15 billing cycles Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Highlights
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.74% - 25.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
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Apply Now
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On Citi's Secure Website.

Our Bottom Line

One of the top cards on the market with up to 2% cash back on all purchases, no annual fee, and an 18-month 0% APR on balance transfers

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What we Like:
  • Up to 2% cash back
  • No annual fee
  • 0% intro APR for balance transfers
Key Scores:
5.0 5 Perks
4.0 5 Fees
3.5 5 APR
Perks 5.0/5
Fees 4.0/5
APR 3.5/5
  • Annual Fee: $0
  • Regular APR: 15.74%– 25.74% (Variable)
  • Intro APR: Purchases: N/A Balance Transfers: 0%, 18 months
Highlights
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness.
  • Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.74% - 25.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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The Amex EveryDay® Credit Card from American Express
Our Bottom Line

This card is unavailable on site and card details may be out of date -- One of the few remaining balance-transfer cards that include an intro $0 balance transfer fee. Add in the premium rewards and welcome bonus, and it's hard to ignore.

Read Full Review
What we Like:
  • Intro balance transfer fee
  • Earn up to 2x points at U.S. supermarkets
  • Earn up to 20% bonus points
Key Scores:
5.0 5 Perks
5.0 5 Fees
4.0 5 APR
Perks 5.0/5
Fees 5.0/5
APR 4.0/5
  • Annual Fee: $0
  • Regular APR: 14.99%-25.99% Variable
  • Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months for transfers made within 60 days
Highlights
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee.
  • Terms Apply.
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Rates & Fees
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Get our latest tips and uncover more of our top picks to help you conquer your money goals

Balance transfer credit cards are a seriously underrated financial tool for people who have high-interest credit card debt. Our favorite balance transfer credit cards offer long 0% intro APR periods that allow you to avoid interest on your balances, pay down debt faster, and free yourself of costly credit card debt forever. Used wisely, a balance transfer card can save you thousands of dollars in interest compared to carrying a balance at a typical credit card APR of about 17% per year. The best balance transfer cards offer 0% intro APRs for as long as 21 months on amounts transferred, while other cards go so far as to waive fees, thus offering truly free short-term financing.

How we picked the winners

Many financial decisions can be boiled down to a few key factors, whereas mostly everything else is noise that risks overcomplicating straightforward financial decisions as paralysis by analysis kicks in. We want to help you confidently find the best credit cards for your needs, which is why the lens through which we picked the top balance-transfer credit cards focuses heavily on the following features:

  • Length of the 0% intro APR for balance transfers
  • Inclusion and length of a 0% intro APR for purchases
  • Fees, including balance transfer fees and annual fees
  • Access to a FICO credit score for free

Why you can trust us

Combined, we’ve published over 2,300 finance articles that have appeared on sites such as MSN, Yahoo!, and AOL. Perhaps most relevant, we both helped to launch The Ascent’s credit card ratings strategy by analyzing over 300 credit card offers and 6,000 data points to nail down our top picks.

What is a balance transfer?

A balance transfer occurs when a borrower moves a balance from one credit card to another. Balance transfers are most often used to refinance credit card debt at a low interest rate (e.g. a balance on a card at an 18% APR is transferred to a card with a 0% intro APR).

It’s important to remember that 0% intro APR balance transfer offers are a promotional perk that do not last forever. After the 0% intro APR expires, any remaining debt will begin accruing interest at the standard APR.

For this reason, cardholders who use a 0% balance transfer offer to move a balance would be wise to pay down their balances aggressively before the promotional period ends.

How do balance transfers work?

A balance transfer is a simple process. In effect, the card company you are moving your balance to pays the card company you are moving your balance from.

For example, if you move a $5,000 balance from American Express to Bank of America, then your Amex balance will decrease by $5,000, and your Bank of America card balance will increase by $5,000 (plus any applicable balance transfer fees). Industry standard balance transfer fees are about 3%, but may be higher, lower, or even free in some cases.

Importantly, you cannot typically move a balance on one card to another card issued by the same company. Credit card companies use balance transfers as a way to win business from other card issuers, not as a way to refinance their existing customers. The best credit card balance transfer deals are almost always changing as companies introduce new cards and promotions, so it can be smart to shop around before picking the right card for you.

What is a balance transfer fee?

The typical fee is $5 or 3%, whichever is more -- Most credit cards charge a fee to transfer a balance to them. The typical transfer fee is $5 or 3% of the amount transferred, whichever is greater, but some charge as much as $5 or 5%, whichever is greater. On a $5,000 balance, that means you could pay $150 to $250 in fees just to move the balance to another card. On the other hand, there are a few cards with introductory offers that include no-fee balance transfers.

Balance transfer fees are added to your balance -- Keep in mind that balance transfer fees are rolled into your balance. Therefore, if you move a $5,000 balance to another credit card, you will have a balance of $5,150 on the balance transfer card if it charges a fee of 3% on transfers. When the 0% intro APR expires, all balances (including the fee) begin accruing interest.

It’s our view that people who are serious about paying down credit card debt should prioritize cards that waive balance transfer fees for new cardholders, or do not have balance transfer fees at all, even if it means getting a shorter 0% intro APR period.

The table below shows you how a 15-month 0% intro APR offer without balance transfer fees works out to be a slightly better deal than a 21-month 0% intro APR offer that carries a 3% balance transfer fee when paying off a $5,000 balance with $200 monthly payments.

How to save money with a balance transfer

Using a 0% intro APR balance transfer to refinance existing credit card debt can save you a fortune in interest over the 0% promo period. The difference between paying 0% in interest and 18% in interest is substantial, particularly for people who have larger balances.

The table below shows you how much you can save in interest by using a 0% intro APR balance transfer offer to pay off a $5,000 credit card balance during the promo period compared to paying down the same debt over the same period of time at an 18% APR.

Interest saved by paying off a $5,000 balance with a 0% intro APR card

12 months $500.80
15 months $620.80
18 months $742.54
21 months $865.93

The amount of interest you can save is highly dependent on the duration of the balance transfer offer, the interest rate you pay on your existing debt, and how much debt you have to repay. That said, most people will find that a 0% balance transfer offer can save them hundreds, if not thousands of dollars in interest compared to a balance carried at an ordinary double-digit APR, even if there's a balance transfer fee.

How to use a balance transfers to pay off debt faster

Balance transfers can help you save money on interest, which can equate to helping you pay down your debt faster. That’s because your payments will be applied solely to the principal (not interest) during the 0% intro APR period.

Consider an example where you want to pay off a $5,000 balance with monthly payments of $200. The table below shows how you can save $1,130 in total interest payments and pay off the balance six months faster with a 15-month balance transfer offer.

APR Monthly payment Time to pay off Interest paid
0% for 15 months, 18% thereafter $200.00 26 months $183.24
18% APR $200.00 32 months $1,313.97

The interest you can save by using a 0% intro APR card is easy to quantify, but there is also a lot to be said about the stress-reducing benefits of paying off a debt six months earlier. People who are in the market to buy a home or car, for example, would benefit by eliminating credit card debt before financing another large purchase.

The balance transfer card checklist

A balance transfer credit card is not for everyone. In the right hands, a balance transfer credit card can be a powerful financial tool used to pay off debt. Used incorrectly, however, a balance transfer credit card can be used to get even deeper into debt.

If these three statements apply to you, then you are likely a good candidate for a balance transfer credit card:

  • You have existing credit card debt at a high APR.
  • You are serious about paying off your credit card debt once and for all.
  • You won’t rack up a new balance on your old credit card after transferring the balance to a new credit card.

When it comes to 0% APR cards, shopaholics and lazy budgeters need not apply. Many people get into trouble by opening a balance transfer credit card account, moving a balance, then racking up another large balance on their old credit card at double-digit interest rates while making little to no progress paying down the balance they moved in the first place.

Savvy people use low interest balance transfer credit cards for the specific purpose of refinancing high interest credit card debt. Often, that means moving a balance to take advantage of a low or 0% intro APR, and then putting all your credit cards in your sock drawer until the transfer (and any other credit card debt) is paid off in full.

Comparing two balance transfer cards for a $5,000 balance

Balance transfer APR offer Transfer fee Monthly payment Time to pay off debt Total fees and interest
0% for 15 months, 18% thereafter $0 $200 26 months $183.24
0% for 21 months, 18% thereafter 3% of the transfer amount $200 26 months $192.97

Many people overvalue a longer 0% promo APR, falsely believing that it makes sense to pay a fee for a longer 0% intro period. But in this example, the shorter promo period is actually better. That’s because transfer fees are assessed on all amounts you transfer, whereas interest is only charged on amounts that remain after the 0% intro period expires. By the time the interest kicks in on either offer, much of the debt has already been repaid!

What the best balance transfer credit cards offer

There are four things you should look for when it comes to balance transfer cards.

  • A long 0% intro APR period of at least 15 months
  • Low or no balance transfer fee -- 3% and lower is competitive
  • 0% APR on purchases if you plan to make purchases with the card
  • Free access to your credit score

The best credit card for balance transfers should offer a long 0% intro APR on balance transfers and little to no fees to transfer a balance. If you plan to use the balance transfer card to make purchases, you want to find a card that offers a 0% APR on purchases, too.

A 0% intro APR on purchases is more important than you might think. Suppose you have a card with a $5,000 balance, of which $4,000 is from a 0% intro APR balance transfer, and $1,000 is from purchases you made a month after getting the card. When you receive your statement in the mail, the credit card might require you to make a minimum payment of at least $200, or 4% of your balance that month.

If you make the minimum payment of $200, all of the payment would be used to pay down the $5,000 balance transfer at a 0% APR. However, if you pay more than the minimum… say, $1,000, then $200 would be applied toward the 0% APR balance, and $800 would be applied toward the $1,000 purchase balance.

By law, credit card companies only have to apply amounts in excess of the minimum monthly payment to your highest APR balance. That means if you don’t pay an amount equal to your purchase balance and minimum payment each month, you might end up paying down your 0% intro APR balance transfer while racking up purchase debts at an 18% APR. This can be a costly mistake.

You can avoid this problem by employing one of three basic strategies:

  1. Only use balance transfer cards for purchases when they offer 0% intro APRs on balance transfers and purchases for the same length of time.
  2. If a 0% balance transfer card does not offer a 0% intro APR on purchases, don’t put purchases on the credit card until the 0% balance transfer APR expires, or until you pay off the 0% APR balance transfer.
  3. When you make a monthly payment, pay an amount equal to your purchase balance for that statement plus the minimum payment to avoid building up a purchase balance at a high APR. If your minimum payment is $100 and your purchase balance is $500, you should pay at least $600 to avoid interest on the purchase balance.

All three of these strategies will enable you to get the full benefit of a 0% intro APR on balance transfers and avoid building up debt from purchases at high interest rates. The easiest route often makes the most sense -- transfer a balance to get a 0% promo APR and then avoid using the card for purchases until the transfer is paid off or the 0% promo APR expires.

Credit scores and balance transfer cards

You do not need perfect credit to qualify for a balance transfer credit card. Card issuers know that people who apply for balance transfer cards are likely to carry an existing balance with another issuer, which could have already marred your credit score. (What are balance transfers good for if not for transferring existing credit card debt?)

A good to excellent credit score (above 700) will get you access to most balance transfers on the market, including those that offer 18 months or more of 0% intro APRs. People who have fair credit (scores generally above 650) can be approved for most offers as well.

Importantly, credit scores are not the only factor issuers use to decide whether or not to approve you for a card. Your income, mortgage or rent payments, and payments due on other debts also play a role in deciding whether or not you get approved for a new balance transfer card.

Use a balance transfer offer the smart way

When used correctly, a balance transfer can help you pay down debt faster, avoid interest on your balances, and get you back on track toward a life free of credit card debt.

As for actually using a balance transfer, there are only five things you need to do:

  1. Get approved for a balance transfer card. You may receive offers from a credit card you already have, but offers for new cardholders are usually much better than the offers issuers send to existing customers.
  2. Transfer your balances. Many card issuers allow you to transfer a balance at the time of your application, while others will require you to request a balance transfer after approval, either by phone or online.
  3. Continue to make payments on your old card. A balance transfer can take one to two weeks to process. Continue to pay at least the minimum payment on your old credit card until you see that the balance transfer amount was deducted from your old card. There may be a small amount of interest due in the month following your balance transfer, even if you move your whole balance, so it’s a good idea to check back after the balance transfer is complete so that you don’t get slapped with a massive late fee for failing to pay a few dollars in remaining interest.
  4. Pay down your balances as fast as you can. A 0% intro APR or low interest rate on a balance transfer offer won’t last forever, so it’s imperative that you use the promo period wisely. If your card doesn’t offer the same promotional terms on purchases, consider using it solely for the balance transfer to avoid piling up debt at a higher purchase APR.

Avoid the temptation to rack up new balances. Transferring a balance to a credit card frees up capacity on another credit card. If you have a tendency to overspend, it may be smart to avoid credit cards altogether while you pay down that existing credit card debt.

Here are the best balance-transfer credit cards

The Ascent's Picks for Best Balance Transfer Credit Cards of auto_date_month_year:
Card Balance transfer offer Great For…
Citi Simplicity® Card - No Late Fees Ever Graphic of Citi Simplicity® Card - No Late Fees Ever Balance transfer offer:

21 months

Great For:

Long 0% intro APR

BankAmericard® credit card Graphic of BankAmericard® credit card Balance transfer offer:

18 billing cycles

Great For:

Balance transfers and purchases

Discover it® Balance Transfer Graphic of Discover it® Balance Transfer Balance transfer offer:

18 months

Great For:

Balance transfers and cash rewards

Chase Freedom Unlimited® Graphic of Chase Freedom Unlimited® Balance transfer offer:

15 months

Great For:

Balance transfers and purchases

Capital One® Quicksilver® Cash Rewards Credit Card Graphic of Capital One® Quicksilver® Cash Rewards Credit Card Balance transfer offer:

15 months

Great For:

0% intro APR and unlimited cash rewards

Bank of America® Cash Rewards credit card Graphic of Bank of America® Cash Rewards credit card Balance transfer offer:
Great For:

Balance transfers and purchases

Citi® Double Cash Card – 18 month BT offer Graphic of Citi® Double Cash Card – 18 month BT offer Balance transfer offer:

18 months

Great For:

Balance transfers and cash back

The Amex EveryDay® Credit Card from American Express Graphic of The Amex EveryDay® Credit Card from American Express Balance transfer offer:

15 months

Great For:

$0 intro balance transfer fee

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