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 21 months from account opening on purchases, then 18.24%, 24.74%, 29.99% variable APR
Balance Transfer APR
0% intro APR for 21 months from account opening on qualifying balance transfers, then 18.24%, 24.74%, 29.99% variable APR
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Rewards
N/A
Welcome Bonus
N/A

Citi Simplicity® Card

Purchase APR
0% intro APR for 12 months on purchases, then 19.24% – 29.99% (Variable)
Balance Transfer APR
0% intro APR for 21 months on balance transfers, then 19.24% – 29.99% (Variable)
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 18.24% – 28.99% (Variable)
Balance Transfer APR
0% intro APR for 21 months on Balance Transfers, then 18.24% – 28.99% (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 17.24% – 28.24% Variable APR
Balance Transfer APR
0% Intro APR on balance transfers for 18 months, then 17.24% – 28.24% 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.

Citi® Double Cash Card – 18 month BT offer

Purchase APR
19.24% – 29.24% (Variable)
Balance Transfer APR
0% intro APR for 18 months on Balance Transfers, then 19.24% – 29.24% (Variable)
Annual Fee
$0
Recommended Credit Score
Fair, Good, Excellent
580 – 850*
Cash Back
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

Chase Slate Edge℠

Purchase APR
0% Intro APR on Purchases for 18 months, then 20.49% – 29.24% Variable
Balance Transfer APR
0% Intro APR on Balance Transfers for 18 months, then 20.49% – 29.24% Variable
Annual Fee
$0
Recommended Credit Score
Good – Excellent
670 – 850*
Cash Back
N/A
Welcome Bonus
N/A

Wells Fargo Active Cash® Card

Purchase APR
0% intro APR for 15 months from account opening, then 20.24%, 25.24%, or 29.99% variable APR
Balance Transfer APR
0% intro APR for 15 months from account opening on qualifying balance transfers, then 20.24%, 25.24%, or 29.99% 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 $500 in purchases in the first 3 months

Bank of America® Travel Rewards credit card

Purchase APR
0% Intro APR for 15 billing cycles for purchases, then 18.24% – 28.24% Variable APR
Balance Transfer APR
0% Intro APR for 15 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

Chase Freedom Unlimited®

Purchase APR
0% Intro APR on Purchases for 15 months, then 20.49% – 29.24% Variable
Balance Transfer APR
0% Intro APR on Balance Transfers for 15 months, then 20.49% – 29.24% 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®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 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® Customized Cash Rewards credit card

Purchase APR
0% Intro APR for 15 billing cycles for purchases, then 18.24% – 28.24% Variable APR
Balance Transfer APR
0% Intro APR for 15 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 15 billing cycles for purchases, then 18.24% – 28.24% Variable APR
Balance Transfer APR
0% Intro APR for 15 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

Citi Rewards+® Card

Purchase APR
0% Intro APR for 15 months on Purchases, then 18.74% – 28.74% (Variable)
Balance Transfer APR
0% Intro APR for 15 months on Balance Transfers, then 18.74% – 28.74% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1x – 5x 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.

Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.
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

Citi Custom Cash® Card

Purchase APR
0% intro APR for 15 months on Purchases, then 19.24% – 29.24% (Variable)
Balance Transfer APR
0% intro APR for 15 months on Balance Transfers, then 19.24% – 29.24% (Variable)
Annual Fee
$0
Recommended Credit Score
Fair, Good, Excellent
580 – 850*
Cash Back
1% – 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.

Also, earn unlimited 1% cash back on all other purchases.
Intro Bonus
Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

Blue Cash Everyday® Card from American Express

Purchase APR
0% intro APR on purchases for 15 months, then 19.24%-29.99% Variable
Balance Transfer APR
0% on balance transfers for 15 months, then 19.24%-29.99% 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

Citi Rewards+® Card

Purchase APR
0% Intro APR for 15 months on Purchases, then 18.74% – 28.74% (Variable)
Balance Transfer APR
0% Intro APR for 15 months on Balance Transfers, then 18.74% – 28.74% (Variable)
Annual Fee
$0
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1x – 5x 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.

Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.
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 19.24%-29.99% Variable
Balance Transfer APR
0% intro APR for 12 months, then 19.24%-29.99% 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

BMO Platinum Credit Card

Purchase APR
0% introductory APR on purchases for 15 months from account opening date. Then, a variable APR applies, currently 18.24% – 26.24%, based on your creditworthiness.*
Balance Transfer APR
0% introductory APR on balance transfers for 15 months from date of first transfer when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently 18.24% – 26.24%, based on your creditworthiness.*
Annual Fee
$0*
Recommended Credit Score
Good – Excellent
660 – 850
Rewards
N/A
Intro Bonus
N/A
Rates and Fees |Terms Apply

BMO Cash Back Credit Card

Purchase APR
21.24% – 28.24% variable APR based on your credit worthiness.*
Balance Transfer APR
0% introductory APR on balance transfers for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently 21.24% – 28.24%, based on your creditworthiness.*
Annual Fee
$0*
Recommended Credit Score
Good – Excellent
660 – 850
Rewards
1% – 5%5% cash back on streaming, cable TV and satellite services

3% cash back on gas and grocery purchases (Up to $2,500 in gas and grocery purchases each calendar quarter)

1% cash back on all other eligible purchases
Intro Bonus
Get a $200 cash back bonus when you spend $2,000 within 3 months of opening your account
Rates and Fees |Terms Apply

BMO Platinum Rewards Credit Card

Purchase APR
21.24% – 28.24% variable APR based on your credit worthiness.*
Balance Transfer APR
0% introductory APR on balance transfers for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently 21.24% – 28.24%, based on your creditworthiness.*
Annual Fee
$0*
Recommended Credit Score
Good – Excellent
660 – 850
Rewards
1x – 2x2 points per $1 spent on eligible gas and groceries, up to $2,500 in combined spend each calendar quarter

1 point per $1 spent on all other eligible purchases

10% anniversary bonus points every year
Intro Bonus
Get 25,000 bonus points when you spend $2,000 within 3 months of opening your account
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.