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Balance transfer credit cards give borrowers a second chance at paying down their debts without the threat of predatory interest.
You usually need a good or excellent credit score to apply for the best balance transfer credit cards — those with 0% intro APR and low balance transfer fees. If your credit score is strong enough, you may even be able to find a balance transfer card with rewards and other perks.
But where do you find balance transfers, and how do you know if they’re a good deal? To help, we’ve compiled a list of the 10 best balance transfer credit cards currently offered.
The Best Balance Transfer Credit Cards
- BankAmericard Credit Card: Best Balance Transfer Credit Card
- Bank of America Customized Cash Rewards Credit Card: Best Cash Back Rewards
- Wells Fargo Reflect Card: Best for Long 0% Intro APR
- Citi Double Cash Card: Best Incentive to Pay
- Citi Simplicity Card: Best for No late Fees
- Capital One Quicksilver Cash Rewards Credit Card: Best Travel Rewards
- Chase Freedom Unlimited: Best Bonus Program
- Wells Fargo Active Cash Card: Best Flat-Rate Rewards
- Chase Slate Edge: Best for Potential APR Reduction
- Citi Diamond Preferred Card: Best for Flexible Payment Date
BankAmericard Credit Card
Best Balance Transfer Credit Card
Key Features
- 21 months of 0% APR
- No penalty APR
- Low regular APR
The BankAmericard Credit Card is the best balance transfer card available. While it doesn’t boast the greatest perks or rewards, it does offer a winning combination of balance transfer features — and that should be your top aim when selecting the best balance transfer card for you. Plus, it offers the lowest available regular APRs after the introductory balance transfer period.
BankAmericard Credit Card
Annual fee
N/A
Balance transfer fee
3% balance transfer fee ($5 minimum)
Intro APR on balance transfers
0% intro APR for 21 months
Intro APR on purchases
0% intro APR for 21 months
Regular APR
14.99% to 24.99%
Rewards…
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