Balance Transfer Credit Cards

What to look for

Here’s what you want to find in a balance transfer card: a long introductory period, 0% APR on balance transfers, and a low transfer fee percentage.

Top-Rated Cards

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10 Cards Match Your Search

6% cashback on U.S. groceries

American Express Blue Cash Preferred credit card photo
Intro Period Months

12

Balance Transfer Fee

3%

Balance Transfer Intro APR

0%

Annual Fee

$95

  • 690
  • 850
Excellent and Good Credit

Our Take

This is the perfect card for people that spend more on groceries than on eating out. The cash back rate at the

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1.5% cash back on everything

Capital One Quicksilver credit card photo
Intro Period Months

15

Balance Transfer Fee

3%

Balance Transfer Intro APR

0%

Annual Fee

$0

  • 690
  • 850
Excellent and Good Credit

Our Take

With a straight 1.5% cash back on every single purchase and no rotating categories, the Capital One Quicksilve

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Low APR & No Annual Fee

Barclaycard Ring Mastercard credit card photo
Intro Period Months

15

Balance Transfer Fee

2%

Balance Transfer Intro APR

0%

Annual Fee

$0

  • 690
  • 850
Excellent and Good Credit

Our Take

With rotating benefits decided by this card's customers, you might find that you fit right in. No annual fee a

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Great intro APRs for purchases and balance transfers

ABOC Platinum Rewards Card credit card photo
Intro Period Months

12

Balance Transfer Fee

3%

Balance Transfer Intro APR

0%

Annual Fee

$0

  • 690
  • 850
Excellent and Good Credit

Our Take

The sky's the limit when it comes to rewards here. There's no cap on how much you can earn, but you will have

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Consolidate your credit card debt

Chase Slate credit card photo
Intro Period Months

15

Balance Transfer Fee

0%

Balance Transfer Intro APR

0%

Annual Fee

$0

  • 690
  • 850
Excellent and Good Credit

Our Take

Make sure you have a good to excellent credit score before applying for this card! If your credit is in line a

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0% APR for 18mo on transfers/purchases

HSBC Gold MasterCard credit card photo
Intro Period Months

15

Balance Transfer Fee

4%

Balance Transfer Intro APR

0%

Annual Fee

$0

  • 690
  • 850
Excellent and Good Credit

Our Take

The HSBC Gold is a top pick if you're looking to pay down debt. With an 18 month introductory period, paying 0

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Lengthy intro period with 0% APR

Wells Fargo Platinum Visa credit card photo
Intro Period Months

18

Balance Transfer Fee

3%

Balance Transfer Intro APR

0%

Annual Fee

$0

  • 690
  • 850
Excellent and Good Credit

Our Take

If you plan to carry a balance and don’t need perks the extended intro APR period is a solid reason to choose

Read full review

Cash Back Simplicity

American Express Cash Magnet Card credit card photo
Intro Period Months

See terms*

Balance Transfer Intro APR

See terms*

Annual Fee

See terms*

  • 690
  • 850
Excellent and Good Credit

Our Take

This is American Express' no frills cash back card. It's meant for people who want simplicity over maximizing

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Travel points & no annual fee

Wells Fargo Propel American Express credit card photo
Intro Period Months

12

Balance Transfer Fee

3%

Balance Transfer Intro APR

0%

Annual Fee

$0

  • 690
  • 850
Excellent and Good Credit

Our Take

A big signup bonus, straightforward rewards system, and no annual fee make the Wells Fargo Propel card one of

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Great for those in debt

Discover It Balance Transfer credit card photo
Intro Period Months

18

Balance Transfer Fee

3%

Balance Transfer Intro APR

0%

Annual Fee

$0

  • 690
  • 850
Excellent and Good Credit

Our Take

The Discover It Balance Transfer credit card offers consumers a way to pay down debt by offering a longer than

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The credit card offers that appear on this site are from credit card issuers from which CardGuru.com receives compensation. This compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. CardGuru.com does not include all credit card offers that might be available to consumers in the marketplace.

Editorial note

Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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