Balance Transfer Cards

If you are interested in moving some of your credit card debt over to a new card with a generous 0% intro APR period, the following cards from our partners would all be outstanding options. If you are unclear about how a balance transfer can help you save money on credit card interest then check out our article on balance transfer basics

Wells Fargo Reflect® Card

Purchase APR
0% intro APR for up to 21 months from account opening on purchases, then 17.24% – 29.24% variable APR
Balance Transfer APR
0% intro APR for up to 21 months from account opening on qualifying balance transfers, then 17.24% – 29.24% variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
N/A
Welcome Bonus
N/A

BankAmericard® credit card

Purchase APR
0% Intro APR for 21 billing cycles for purchases, then 16.24% – 26.24% Variable APR
Balance Transfer APR
0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days, then 16.24% – 26.24% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
N/A
Intro Bonus
N/A

Citi® Diamond Preferred® Card

Purchase APR
0% intro APR for 12 months on Purchases, then 17.24% – 27.99% (Variable)
Balance Transfer APR
0% intro APR for 21 months on Balance Transfers, then 17.24% – 27.99% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
N/A
Intro Bonus
N/A

Discover it® Balance Transfer

Purchase APR
0% Intro APR on purchases for 6 months, then 16.24% – 27.24% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 18 months, then 16.24% – 27.24% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1% – 5%Earn 5% Cash Back At Different Places Each Quarter Up To The Quarterly Maximum When You Activate.

Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
Intro Bonus
Discover will match all the cash back you’ve earned at the end of your first year.

Bank of America® Travel Rewards credit card

Purchase APR
0% Intro APR for 18 billing cycles for purchases, then 18.24% – 28.24% Variable APR
Balance Transfer APR
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, then 18.24% – 28.24% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Back
1.5x Points 1.5 points per $1 spent on all purchases.

If you’re a Preferred Rewards member, you can earn 25% – 75% more points on every purchase.
Intro Bonus
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases

Bank of America® Customized Cash Rewards credit card

Purchase APR
0% Intro APR for 18 billing cycles for purchases, then 18.24% – 28.24% Variable APR
Balance Transfer APR
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, then 18.24% – 28.24% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Back
1% – 3% 3% cash back in the category of your choice and 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.

1% cash back on all other purchases.

If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase.
Intro Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Bank of America® Unlimited Cash Rewards credit card

Purchase APR
0% Intro APR for 18 billing cycles for purchases, then 18.24% – 28.24% Variable APR
Balance Transfer APR
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, then 18.24% – 28.24% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Back
1.5% 1.5% cash back

If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase.
Intro Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

U.S. Bank Visa® Platinum Card

Purchase APR
0% Intro APR for 18 billing cycles on purchases, then 18.74% – 28.74% (Variable)
Balance Transfer APR
0% Intro APR for 18 billing cycles on balance transfers, then 18.74% – 28.74% (Variable)
Annual Fee
$0
Recommended Credit Score
Good/Excellent
670 – 850*
Cash Back
N/A
Intro Bonus
N/A

Wells Fargo Active Cash® Card

Purchase APR
0% intro APR for 15 months from account opening, then 19.24%, 24.24%, or 29.24% variable APR
Balance Transfer APR
0% intro APR for 15 months from account opening on qualifying balance transfers, then 19.24%, 24.24%, or 29.24% variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Rewards
2% Earn unlimited 2% cash rewards on purchases
Welcome Bonus
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

U.S. Bank Cash+® Visa Signature® Card

Purchase APR
0% Intro APR for 15 billing cycles on purchases, then 18.74% – 28.74% (Variable)
Balance Transfer APR
0% Intro APR for 15 billing cycles on balance transfers, then 18.74% – 28.74% (Variable)
Annual Fee
$0
Recommended Credit Score
Good/Excellent
670 – 850*
Cash Back
1% – 5%5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose

5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center

2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants

1% cash back on all other eligible purchases
Intro Bonus
$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

Blue Cash Everyday® Card from American Express

Purchase APR
0% intro APR on purchases for 15 months, then 18.24%-29.24% Variable
Balance Transfer APR
0% on balance transfers for 15 months, then 18.24%-29.24% Variable
Annual Fee
$0
Recommended Credit Score
Good – Excellent
670 – 850*
Cash Back
1% – 3% 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.

3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.

3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
Welcome Bonus
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Rates and Fees |Terms Apply

Blue Cash Preferred® Card from American Express

Purchase APR
0% intro APR for 12 months, then 18.24%-29.24% Variable
Balance Transfer APR
0% intro APR for 12 months, then 18.24%-29.24% Variable
Annual Fee
$0 intro annual fee for the first year, then $95.
Recommended Credit Score
Good – Excellent
670 – 850*
Cash Back
1% – 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

6% Cash Back on select U.S. streaming subscriptions.

3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).

1% Cash Back on other purchases.
Welcome Bonus
Earn $250 back after you spend $3,000 in purchases on your new Card within the first 6 months.
Rates and Fees |Terms Apply

Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.