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 16.74% – 28.74% variable APR
Balance Transfer APR
0% intro APR for up to 21 months from account opening on qualifying balance transfers, then 16.74% – 28.74% variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
N/A
Welcome Bonus
N/A

BankAmericard® credit card

Purchase APR
Select ‘Apply Now’ to view the current offer terms.
Balance Transfer APR
Select ‘Apply Now’ to view the current offer terms.
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 16.74% – 27.49% (Variable)
Balance Transfer APR
0% intro APR for 21 months on Balance Transfers, then 16.74% – 27.49% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
N/A
Intro Bonus
For a limited time earn a $150 Statement Credit after you spend $500 on purchases in the first 3 months of account opening.

Bank of America® Customized Cash Rewards credit card

Purchase APR
Select ‘Apply Now’ to view the current offer terms.
Balance Transfer APR
Select ‘Apply Now’ to view the current offer terms.
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

Discover it® Balance Transfer

Purchase APR
0% Intro APR on purchases for 6 months, then 15.74% – 26.74% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 18 months, then 15.74% – 26.74% 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.

Citi® Double Cash Card – 18 month BT offer

Purchase APR
17.74% – 27.74% (Variable)
Balance Transfer APR
0% intro APR for 18 months on Balance Transfers, then 17.74% – 27.74% (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® Unlimited Cash Rewards credit card

Purchase APR
Select ‘Apply Now’ to view the current offer terms.
Balance Transfer APR
Select ‘Apply Now’ to view the current offer terms.
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 18.24% – 28.24% (Variable)
Balance Transfer APR
0% Intro APR for 18 billing cycles on balance transfers, then 18.24% – 28.24% (Variable)
Annual Fee
$0
Recommended Credit Score
Good/Excellent
670 – 850*
Cash Back
N/A
Intro Bonus
N/A

Blue Cash Everyday® Card from American Express

Purchase APR
0% intro APR on purchases for 15 months, then 17.74%-28.74% Variable
Balance Transfer APR
0% on balance transfers for 15 months, then 17.74%-28.74% 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%.

New! 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, then 1%.
Welcome Bonus
Earn up to $250 Earn up to $250 – Here’s How: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.
Rates and Fees |Terms Apply

U.S. Bank Cash+® Visa Signature® Card

Purchase APR
0% Intro APR for 15 billing cycles on purchases, then 18.24% – 28.24% (Variable)
Balance Transfer APR
0% Intro APR for 15 billing cycles on balance transfers, then 18.24% – 28.24% (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.

Wells Fargo Active Cash® Card

Purchase APR
0% intro APR for 15 months from account opening, then 18.74%, 23.74%, or 28.74% variable APR
Balance Transfer APR
0% intro APR for 15 months from account opening on qualifying balance transfers, then 18.74%, 23.74%, or 28.74% 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

Capital One SavorOne Cash Rewards Credit Card

Purchase APR
0% intro on purchases for 15 months, then 17.99% – 27.99% (Variable)
Balance Transfer APR
0% intro on balance transfers for 15 months, then 17.99% – 27.99% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent, Good
670 – 850*
Cash Back
1% – 10% Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024

Earn 8% cash back on Capital One Entertainment purchases

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)

Earn 1% on all other purchases
Intro Bonus
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Capital One Quicksilver Cash Rewards Credit Card

Purchase APR
0% intro on purchases for 15 months, then 17.99% – 27.99% (Variable)
Balance Transfer APR
0% intro on balance transfers for 15 months, then 17.99% – 27.99% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent, Good
670 – 850*
Cash Back
1.5% – 5% Earn unlimited 1.5% cash back on every purchase, every day

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
Intro Bonus
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Capital One VentureOne Rewards Credit Card

Purchase APR
0% intro on purchases for 15 months, then 17.99% – 27.99% (Variable)
Balance Transfer APR
0% intro on balance transfers for 15 months, then 17.99% – 27.99% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent, Good
670 – 850*
Rewards
1.25X – 5X Earn unlimited 1.25X miles on every purchase, every day

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Terms apply
Intro Bonus
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

Citi Rewards+® Card

Purchase APR
0% Intro APR for 15 months on Purchases, then 17.24% – 27.24% (Variable)
Balance Transfer APR
0% Intro APR for 15 months on Balance Transfers, then 17.24% – 27.24% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1x – 5x For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point 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

Blue Cash Preferred® Card from American Express

Purchase APR
0% intro APR for 12 months, then 17.74%-28.74% Variable
Balance Transfer APR
0% intro APR for 12 months, then 17.74%-28.74% 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.