Best balance transfer credit cards of 2024
Save money by transferring high-interest debt to a balance transfer card. Get matched to credit cards from our partners based on your unique credit profile.
Move your debt
You could save by moving your existing debt to a card with a lower interest rate.
Save on interest
Pay zero interest for a year or more with a 0% intro APR card.
Consolidate payments
Combine multiple balances into one monthly payment.
Browse categories
All balance transfer credit cards
10 partner offers
Blue Cash Everyday® Card from American Express
Intro APR: | 0% on Purchases and Balance Transfers for 15 months |
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Ongoing APR: | 18.74%-29.74% Variable |
Rewards: | 1%-3% (cash back) |
Annual Fee: | $0 |
Terms Apply
Rates and feesBlue Cash Preferred® Card from American Express
Intro APR: | 0% on Purchases and Balance Transfers for 12 months |
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Ongoing APR: | 18.74%-29.74% Variable |
Rewards: | 1%-6% (cash back) |
Annual Fee: | $0 intro annual fee for the first year, then $95. |
Terms Apply
Rates and feesCiti Double Cash® Card
Intro APR: | 0% for 18 months on Balance Transfers |
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Ongoing APR: | 18.74% - 28.74% (Variable) |
Rewards: | 2% (cash back) |
Annual Fee: | $0 |
Citi® Diamond Preferred® Card
Intro APR: | 0% for 21 months on Balance Transfers and 12 months on Purchases |
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Ongoing APR: | 17.74% - 28.49% (Variable) |
Rewards: | N/A* |
Annual Fee: | $0 |
Citi Simplicity® Card
Intro bonus: | N/A* |
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Rewards: | N/A* |
Ongoing APR: | 18.74% - 29.49% (Variable) |
Annual Fee: | $0 |
Discover it® Chrome
Intro APR: | 0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months |
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Ongoing APR: | 17.74% - 27.74% Variable APR |
Rewards: | 1%-2% (cash back) |
Annual Fee: | $0 |
Citi Rewards+® Card
Intro APR: | 0% for 15 months on Purchases and Balance Transfers |
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Ongoing APR: | 18.24% - 28.24% (Variable) |
Rewards: | 1x-2x (Points per dollar) |
Annual Fee: | $0 |
Citi Custom Cash® Card
Intro APR: | 0% for 15 months on Purchases and Balance Transfers |
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Ongoing APR: | 18.74% - 28.74% (Variable) |
Rewards: | 1%-5% (cash back) |
Annual Fee: | $0 |
Wells Fargo Reflect® Card
Intro APR: | 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers |
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Ongoing APR: | 17.74%, 24.24%, or 29.49% Variable APR |
Rewards: | N/A* |
Annual Fee: | $0 |
Wells Fargo Active Cash® Card
Intro APR: | 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers |
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Ongoing APR: | 19.74%, 24.74%, or 29.74% Variable APR |
Rewards: | 2% (Cash Rewards) |
Annual Fee: | $0 |
Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the banks, lenders and credit card companies.
*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.
Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
ΘCredit 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.
How to do a balance transfer
1
Know how much you want to transfer
Determine the amount of debt you’ll be transferring. If you have high amount, it’s important to prioritize balances with higher interest rates first.
2
Choose the right balance transfer card
Research the balance transfer credit cards that fit your need. You can check your credit scores to figure out which ones you’ll most likely get approved.
3
Review the terms
Understand the length of the intro 0% APR period, what the regular APR will be once the promo period ends and how much the balance transfer fee is.
4
Apply and initiate the transfer
Once you’re approved, you can start a transfer. Make a repayment plan to pay off the balance before the intro period ends.
Start with your FICO® ScoreΘ and see card offers matched to your credit profile.
Get started for freeΘCredit 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.