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 14.49%-26.49% variable APR
Balance Transfer APR
0% intro APR for up to 21 months from account opening on qualifying balance transfers, then 14.49%-26.49% variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
N/A
Welcome Bonus
N/A


Citi® Diamond Preferred® Card

Purchase APR
0% intro APR for 12 months on Purchases, then 15.24% – 25.24% (Variable)
Balance Transfer APR
0% intro APR for 21 months on Balance Transfers, then 15.24% – 25.24% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
N/A
Intro Bonus
N/A


BankAmericard® credit card

Purchase APR
0% Intro APR for 18 billing cycles for purchases, then 13.74% – 23.74% Variable APR
Balance Transfer APR
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, then 13.74% – 23.74% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670- 850*
Rewards
N/A
Intro Bonus
$100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening


Discover it® Balance Transfer

Purchase APR
0% Intro APR on purchases for 6 months, then 13.49% – 24.49% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 18 months, then 13.49% – 24.49% Variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1% – 5%
Intro Bonus
Discover will match all the cash back you’ve earned at the end of your first year.


Citi® Double Cash Card – 18 month BT offer

Purchase APR
15.49% – 25.49% (Variable)
Balance Transfer APR
0% intro APR for 18 months on Balance Transfers, then 15.49% – 25.49% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
2% Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro Bonus
N/A


Bank of America® Customized Cash Rewards credit card

Purchase APR
0% Intro APR for 15 billing cycles for purchases, then 14.74% – 24.74% Variable APR
Balance Transfer APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 14.74% – 24.74% 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


Wells Fargo Active Cash® Card

Purchase APR
0% intro APR for 15 months from account opening, then 16.49%, 21.49%, or 26.49% variable APR
Balance Transfer APR
0% intro APR for 15 months from account opening on qualifying balance transfers, then 16.49%, 21.49%, or 26.49% 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


Chase Freedom Unlimited®

Purchase APR
0% Intro APR on Purchases for 15 months, then 15.74% – 24.49% Variable
Balance Transfer APR
0% Intro APR on Balance Transfers for 15 months, then 15.74% – 24.49% Variable
Annual Fee
$0
Recommended Credit Score
Good – Excellent
670- 850*
Cash Back
1.5% – 6.5% Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®

4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service

3% on all other purchases (on up to $20,000 spent in the first year).

After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
Welcome Bonus
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.


Bank of America® Unlimited Cash Rewards credit card

Purchase APR
0% Intro APR for 15 billing cycles for purchases, then 14.74% – 24.74% Variable APR
Balance Transfer APR
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 14.74% – 24.74% 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


Citi Rewards+® Card

Purchase APR
0% Intro APR for 15 months on Purchases, then 14.99% – 24.99% (Variable)
Balance Transfer APR
0% Intro APR for 15 months on Balance Transfers, then 14.99% – 24.99% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1x – 2x For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.

Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.

Plus, earn 1X ThankYou® Points on All Other Purchases.

The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
Intro Bonus
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com



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.