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Best Balance Transfer Credit Cards

    Best Card with the Longest 0% Introductory APR Period for Balance Transfers

    This Card Is Right for You If:

    You're looking for a balance transfer card with the longest 0% intro rate possible. You can't beat 21 months with this offer. You will pay a 5% balance transfer fee, but that's one of the few fees assessed by the card. You won't pay late fees, annual fees or a penalty rate.

    This Card Is Right for You If:

    You're looking for a balance transfer card with the longest 0% intro rate possible but also want a lower ongoing APR. At 18 months, this 0% balance transfer period isn't quite as long as the Citi Simplicity® Card, but the ongoing rates starting at 15.74% are lower. Bonus: You can also earn up to 2% cash back on purchases.

    Best Card With the Lowest Transfer Fee Combined With the Longest 0% Intro APR Period

    This Card Is Right for You If:

    You want a long 0% introductory period APR but want to minimize your balance transfer fee. You'll pay 3% of the transferred amount to take advantage of this offer, but that beats cards that charge a 5% fee. You also get 0% on purchases for six months.

    Best Cards for Making Balance Transfers and Purchases at the Same Time

    This Card Is Right for You If:

    You're planning to pay off your debt and make purchases at the same time and want to earn extra perks. It offers a 0% intro APR for 15 months on both purchases and balance transfers. You'll also earn a one-time $150 cash bonus after you spend $500 on purchases within the first three months of account opening, and you get unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases.

    This Card Is Right for You If:

    You're planning to pay off your debt and make purchases at the same time and want cash back on everyday purchases. It offers a 0% intro APR for 15 months on both purchases and balance transfers. It's also an excellent card for everyday spending, as you earn 3% cash back at U.S. supermarkets (on up to $6,000 a year in purchases), 2% cash back at U.S. gas stations and select U.S. department stores, and 1% back on all other purchases.

    This Card Is Right for You If:

    You're planning to pay off your debt and make purchases at the same time and want to earn cash back on all purchases. It offers a 0% intro APR for 15 months on both purchases and balance transfers. You also earn a flat 1.5% cash back on all purchases.

    This Card Is Right for You If:

    You're planning to pay off your debt and make purchases at the same time and want to earn cash back on all purchases. It offers a 0% intro APR for 15 months on both purchases and balance transfers. You also earn a flat 1.5% cash back on all purchases, and you're eligible for a sign-up bonus of $150 after you spend $500 in the first three months of opening the account.

    Best Secured Card That Also Offers Balance Transfers

    This Card Is Right for You If:

    You're trying to build your credit with a secured card and also need to pay down other credit card balances. Not many secured cards offer balance transfer options, but this one has a solid deal for balance transfers at 10.99% intro APR for six months.

    Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More.

    Advertiser Disclosure: The credit card offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however the compensation does not impact how or where the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

    Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

    *For complete information, see the terms and conditions on the credit card issuer's website. Once you click apply for this card, you will be directed to the issuer's website where you may review the terms and conditions of the card before applying. We show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of the product as stated by the issuer itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

    This post references products from one or more of our partners. We may receive compensation when you apply through Experian's CreditMatch marketplace. All information, including rates and fees, are accurate as of the date of publication.

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