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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 15.99% 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 during the introductory period and then up to 5% for any transfers made after that. That beats cards that charge a 5% fee regardless of the introductory period. You also get 0% introductory APR 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.

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