Hands Down the Best Balance Transfer Card
The Discover it® Chrome card is a well-rounded balance transfer card as it not only offers an incredibly long intro APR on balance transfers but also offers cash back rewards.
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This is a solid choice for anyone in the market for a balance transfer credit card that offers cash back rewards. The dollar-for-dollar match of the cash back you’ve earned your first year is a nice bonus.
| Intro APR |
0% Intro APR on balance transfers for 18 months 0% Intro APR on purchases for 6 months |
|---|---|
| Regular APR | 17.49% – 26.49% Variable APR |
| Welcome Bonus | Discover will match all the cash back you’ve earned at the end of your first year. |
| Cash Back |
1% – 2% Earn 2% Cash Back At Gas Stations And Restaurants On Up To $1,000 In Combined Purchases Each Quarter. Earn 1% Unlimited Cash Back On All Other Purchases – Automatically |
| Annual Fee | $0 |
- Long introductory APR for balance transfers
- Unlimited dollar-for-dollar cash back match in the first year
- Elevated 2% rewards rate for gas stations and restaurants
- The highest cash-back rate, 2% for gas and restaurants, is limited to $1,000 in combined purchases per quarter.
- Base cash back rate is only 1%
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INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
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Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You’ll still earn unlimited 1% cash back on all other purchases.
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Get a 0% intro APR for 18 months on balance transfers. Then 17.49% to 26.49% Standard Variable APR applies, based on credit worthiness.
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Redeem cash back for any amount
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No annual fee.
- Terms and conditions apply.
Earn Up To 2% Cash Back
You’ll earn 2% back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You will earn 1% back on all of your other purchases.
Unlimited Cashback Match™
Discover’s unique cash back bonus can really add up to a big payout at the end of your first year. All of the cash back you’ve earned in that first year is matched. There are no minimums or hoops to jump through to earn this bonus.
Generous Introductory APR
Getting approved for the Discover it® Chrome card means you’ll get a 0% Intro APR on purchases for 6 months and 0% Intro APR on balance transfers for 18 months, followed by 17.49% - 26.49% Variable APR. There is an intro balance transfer fee of 3% that goes up to 5% on future balance transfers (see terms), but this fee is usually worth it if you’re currently carrying a balance on another card that charges interest.
We think the Discover it® Chrome is tough to beat but we have rounded up some other options from our partners that may appeal to you as well.
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This card offers 21-month 0% intro APR on balance transfers — one of the longest available — along with 12 months of no interest on purchases!
| Intro APR |
0% intro APR for 21 months on Balance Transfers 0% intro APR for 12 months on Purchases on purchases |
|---|---|
| Regular APR | 16.49% – 27.24% (Variable) |
| Annual Fee | $0 |
- Very long intro APR on balance transfers
- No annual fee
- Free FICO® score access
- Shorter intro APR on purchases
- Balance transfer fee is higher than other comparable cards
- No ongoing rewards program
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0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% – 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
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There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
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Get free access to your FICO® Score online.
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With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.
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Get unlimited 1.5% cash back on every purchase, plus bonus rewards on travel, dining, and drugstore purchases—all with no annual fee and easy cash-back redemption!
| Intro APR |
0% Intro APR on Balance Transfers for 15 months 0% Intro APR on Purchases for 15 months |
|---|---|
| Regular APR | 18.24% – 27.74% Variable |
| Welcome Bonus | Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening |
| Cash Back | 1.5% – 5% Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
| Annual Fee | $0 |
- Higher than average base rate of 1.5%
- Elevated 3-5% cash back on select categories
- Valuable bonus opportunity
- No ability to transfer points to travel partners unless you have an eligible annual-fee Chase card
- Charges a foreign transaction fee
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Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
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Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
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No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
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Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% – 27.74%.
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No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
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Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
As you can see, it is a great time to be in the market for a new credit card. Issuers are really stepping up their game and offering incredible perks to win your business. If you have good to excellent credit in the 670 – 850* range and have not recently applied for a new credit card then you should definitely apply for one of these stand-out options today.
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.