Balance Transfer Credit Cards (2024)

Table of Contents
Wells Fargo Reflect® Card Citi Simplicity® Card Chase Freedom Unlimited® Bank of America® Travel Rewards credit card Discover it® Balance Transfer

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If you want to temporarily avoid interest on your existing credit card balances through a balance transfer then these cards outshine the competition. All come with a $0 annual fee.

Wells Fargo Reflect® Card

Apply Now for Wells Fargo Reflect® Card

OnWells Fargo'sSecure Website.

Rates & Fees Balance Transfer Credit Cards (1)

Balance Transfer Credit Cards (2)

Rating image, 0.25 out of 5 stars.Balance Transfer Credit Cards (3)Balance Transfer Credit Cards (4)Balance Transfer Credit Cards (5)Balance Transfer Credit Cards (6)Balance Transfer Credit Cards (7)Balance Transfer Credit Cards (8)Balance Transfer Credit Cards (9)Balance Transfer Credit Cards (10)Balance Transfer Credit Cards (11)Balance Transfer Credit Cards (12)5.00/5 starsOur ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Balance Transfer Credit Cards (13)Balance Transfer Credit Cards (14)Balance Transfer Credit Cards (15)Balance Transfer Credit Cards (16)Balance Transfer Credit Cards (17) = Best
Balance Transfer Credit Cards (18)Balance Transfer Credit Cards (19)Balance Transfer Credit Cards (20)Balance Transfer Credit Cards (21) = Excellent
Balance Transfer Credit Cards (22)Balance Transfer Credit Cards (23)Balance Transfer Credit Cards (24) = Good
Balance Transfer Credit Cards (25)Balance Transfer Credit Cards (26) = Fair
Balance Transfer Credit Cards (27) = Poor

Rating image, 0.25 out of 5 stars.Balance Transfer Credit Cards (28)Balance Transfer Credit Cards (29)Balance Transfer Credit Cards (30)Balance Transfer Credit Cards (31)Balance Transfer Credit Cards (32)Balance Transfer Credit Cards (33)Balance Transfer Credit Cards (34)Balance Transfer Credit Cards (35)Balance Transfer Credit Cards (36)Balance Transfer Credit Cards (37)5.00/5 starsOur ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Balance Transfer Credit Cards (38)Balance Transfer Credit Cards (39)Balance Transfer Credit Cards (40)Balance Transfer Credit Cards (41)Balance Transfer Credit Cards (42) = Best
Balance Transfer Credit Cards (43)Balance Transfer Credit Cards (44)Balance Transfer Credit Cards (45)Balance Transfer Credit Cards (46) = Excellent
Balance Transfer Credit Cards (47)Balance Transfer Credit Cards (48)Balance Transfer Credit Cards (49) = Good
Balance Transfer Credit Cards (50)Balance Transfer Credit Cards (51) = Fair
Balance Transfer Credit Cards (52) = Poor

Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Good/Excellent (670-850)

Apply Now for Wells Fargo Reflect® Card

Rates & Fees Balance Transfer Credit Cards (53)

Intro APR0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 21 months from account opening

Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers

Regular APR

18.24%, 24.74%, or 29.99% Variable APR

Annual FeeN/A

$0

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
  • $0 Annual Fee.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account creditwhenyou shop, dine, or enjoy an experience simply by usingan eligibleWells Fargo credit card.

Balance Transfer

Citi Simplicity® Card

Apply Now for Citi Simplicity® Card

OnCiti'sSecure Website.

Balance Transfer Credit Cards (54)

Rating image, 0.2375 out of 5 stars.Balance Transfer Credit Cards (55)Balance Transfer Credit Cards (56)Balance Transfer Credit Cards (57)Balance Transfer Credit Cards (58)Balance Transfer Credit Cards (59)Balance Transfer Credit Cards (60)Balance Transfer Credit Cards (61)Balance Transfer Credit Cards (62)Balance Transfer Credit Cards (63)Balance Transfer Credit Cards (64)4.75/5 starsOur ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Balance Transfer Credit Cards (65)Balance Transfer Credit Cards (66)Balance Transfer Credit Cards (67)Balance Transfer Credit Cards (68)Balance Transfer Credit Cards (69) = Best
Balance Transfer Credit Cards (70)Balance Transfer Credit Cards (71)Balance Transfer Credit Cards (72)Balance Transfer Credit Cards (73) = Excellent
Balance Transfer Credit Cards (74)Balance Transfer Credit Cards (75)Balance Transfer Credit Cards (76) = Good
Balance Transfer Credit Cards (77)Balance Transfer Credit Cards (78) = Fair
Balance Transfer Credit Cards (79) = Poor

Rating image, 0.2375 out of 5 stars.Balance Transfer Credit Cards (80)Balance Transfer Credit Cards (81)Balance Transfer Credit Cards (82)Balance Transfer Credit Cards (83)Balance Transfer Credit Cards (84)Balance Transfer Credit Cards (85)Balance Transfer Credit Cards (86)Balance Transfer Credit Cards (87)Balance Transfer Credit Cards (88)Balance Transfer Credit Cards (89)4.75/5 starsOur ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Balance Transfer Credit Cards (90)Balance Transfer Credit Cards (91)Balance Transfer Credit Cards (92)Balance Transfer Credit Cards (93)Balance Transfer Credit Cards (94) = Best
Balance Transfer Credit Cards (95)Balance Transfer Credit Cards (96)Balance Transfer Credit Cards (97)Balance Transfer Credit Cards (98) = Excellent
Balance Transfer Credit Cards (99)Balance Transfer Credit Cards (100)Balance Transfer Credit Cards (101) = Good
Balance Transfer Credit Cards (102)Balance Transfer Credit Cards (103) = Fair
Balance Transfer Credit Cards (104) = Poor

See Also
Is a Balance Transfer Right for You? | The Budget Mom6 Things To Do If You’re Barely Scraping By FinanciallyU.S. BANK VISA® PLATINUM CARD0% APR* Used Car Financing from Fitzmall

Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Good/Excellent (670-850)

Apply Now for Citi Simplicity® Card

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 21 months

Regular APR

19.24% - 29.99% (Variable)

Annual Fee

$0

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Stay protected with Citi® Quick Lock.

Cash Back Rewards

Chase Freedom Unlimited®

Apply Now for Chase Freedom Unlimited®

OnChase'sSecure Website.

Balance Transfer Credit Cards (105)

Rating image, 0.25 out of 5 stars.Balance Transfer Credit Cards (106)Balance Transfer Credit Cards (107)Balance Transfer Credit Cards (108)Balance Transfer Credit Cards (109)Balance Transfer Credit Cards (110)Balance Transfer Credit Cards (111)Balance Transfer Credit Cards (112)Balance Transfer Credit Cards (113)Balance Transfer Credit Cards (114)Balance Transfer Credit Cards (115)5.00/5 starsOur ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Balance Transfer Credit Cards (116)Balance Transfer Credit Cards (117)Balance Transfer Credit Cards (118)Balance Transfer Credit Cards (119)Balance Transfer Credit Cards (120) = Best
Balance Transfer Credit Cards (121)Balance Transfer Credit Cards (122)Balance Transfer Credit Cards (123)Balance Transfer Credit Cards (124) = Excellent
Balance Transfer Credit Cards (125)Balance Transfer Credit Cards (126)Balance Transfer Credit Cards (127) = Good
Balance Transfer Credit Cards (128)Balance Transfer Credit Cards (129) = Fair
Balance Transfer Credit Cards (130) = Poor

Rating image, 0.25 out of 5 stars.Balance Transfer Credit Cards (131)Balance Transfer Credit Cards (132)Balance Transfer Credit Cards (133)Balance Transfer Credit Cards (134)Balance Transfer Credit Cards (135)Balance Transfer Credit Cards (136)Balance Transfer Credit Cards (137)Balance Transfer Credit Cards (138)Balance Transfer Credit Cards (139)Balance Transfer Credit Cards (140)5.00/5 starsOur ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Balance Transfer Credit Cards (141)Balance Transfer Credit Cards (142)Balance Transfer Credit Cards (143)Balance Transfer Credit Cards (144)Balance Transfer Credit Cards (145) = Best
Balance Transfer Credit Cards (146)Balance Transfer Credit Cards (147)Balance Transfer Credit Cards (148)Balance Transfer Credit Cards (149) = Excellent
Balance Transfer Credit Cards (150)Balance Transfer Credit Cards (151)Balance Transfer Credit Cards (152) = Good
Balance Transfer Credit Cards (153)Balance Transfer Credit Cards (154) = Fair
Balance Transfer Credit Cards (155) = Poor

Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Good/Excellent (670-850)

Apply Now for Chase Freedom Unlimited®

Intro APR0% Intro APR on Purchases and Balance Transfers for 15 months

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR

20.49% - 29.24% Variable

RewardsEnjoy 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

1.5% - 5% cash back

Annual FeeN/A

$0

Welcome OfferEarn 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 Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to $300 cash back

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program thatlets 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 travel purchased through Chase Travel, 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.
  • No minimum to redeem for cash back.You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expireas long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee –You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • 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

Travel Rewards

See Also
Discover it® Cash Back Review

Bank of America® Travel Rewards credit card

Apply Now for Bank of America® Travel Rewards credit card

OnBank of America'sSecure Website.

Balance Transfer Credit Cards (156)

Rating image, 0.225 out of 5 stars.Balance Transfer Credit Cards (157)Balance Transfer Credit Cards (158)Balance Transfer Credit Cards (159)Balance Transfer Credit Cards (160)Balance Transfer Credit Cards (161)Balance Transfer Credit Cards (162)Balance Transfer Credit Cards (163)Balance Transfer Credit Cards (164)Balance Transfer Credit Cards (165)Balance Transfer Credit Cards (166)4.50/5 starsOur ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Balance Transfer Credit Cards (167)Balance Transfer Credit Cards (168)Balance Transfer Credit Cards (169)Balance Transfer Credit Cards (170)Balance Transfer Credit Cards (171) = Best
Balance Transfer Credit Cards (172)Balance Transfer Credit Cards (173)Balance Transfer Credit Cards (174)Balance Transfer Credit Cards (175) = Excellent
Balance Transfer Credit Cards (176)Balance Transfer Credit Cards (177)Balance Transfer Credit Cards (178) = Good
Balance Transfer Credit Cards (179)Balance Transfer Credit Cards (180) = Fair
Balance Transfer Credit Cards (181) = Poor

Rating image, 0.225 out of 5 stars.Balance Transfer Credit Cards (182)Balance Transfer Credit Cards (183)Balance Transfer Credit Cards (184)Balance Transfer Credit Cards (185)Balance Transfer Credit Cards (186)Balance Transfer Credit Cards (187)Balance Transfer Credit Cards (188)Balance Transfer Credit Cards (189)Balance Transfer Credit Cards (190)Balance Transfer Credit Cards (191)4.50/5 starsOur ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Balance Transfer Credit Cards (192)Balance Transfer Credit Cards (193)Balance Transfer Credit Cards (194)Balance Transfer Credit Cards (195)Balance Transfer Credit Cards (196) = Best
Balance Transfer Credit Cards (197)Balance Transfer Credit Cards (198)Balance Transfer Credit Cards (199)Balance Transfer Credit Cards (200) = Excellent
Balance Transfer Credit Cards (201)Balance Transfer Credit Cards (202)Balance Transfer Credit Cards (203) = Good
Balance Transfer Credit Cards (204)Balance Transfer Credit Cards (205) = Fair
Balance Transfer Credit Cards (206) = Poor

Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Good/Excellent (670-850)

Apply Now for Bank of America® Travel Rewards credit card

Intro APR0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. Balance transfers include a fee of 3% for 60 days from account opening, then 4%.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular APR

18.24% - 28.24% (Variable)

Rewards

1.5 points per dollar

Annual Fee

$0

Welcome Offer25,000 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

25,000 points

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
  • 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.
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Cash Back Rewards

Discover it® Balance Transfer

Apply Now for Discover it® Balance Transfer

OnDiscover'sSecure Website.

Rates & Fees Balance Transfer Credit Cards (207)

Balance Transfer Credit Cards (208)

Rating image, 0.25 out of 5 stars.Balance Transfer Credit Cards (209)Balance Transfer Credit Cards (210)Balance Transfer Credit Cards (211)Balance Transfer Credit Cards (212)Balance Transfer Credit Cards (213)Balance Transfer Credit Cards (214)Balance Transfer Credit Cards (215)Balance Transfer Credit Cards (216)Balance Transfer Credit Cards (217)Balance Transfer Credit Cards (218)5.00/5 starsOur ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Balance Transfer Credit Cards (219)Balance Transfer Credit Cards (220)Balance Transfer Credit Cards (221)Balance Transfer Credit Cards (222)Balance Transfer Credit Cards (223) = Best
Balance Transfer Credit Cards (224)Balance Transfer Credit Cards (225)Balance Transfer Credit Cards (226)Balance Transfer Credit Cards (227) = Excellent
Balance Transfer Credit Cards (228)Balance Transfer Credit Cards (229)Balance Transfer Credit Cards (230) = Good
Balance Transfer Credit Cards (231)Balance Transfer Credit Cards (232) = Fair
Balance Transfer Credit Cards (233) = Poor

Rating image, 0.25 out of 5 stars.Balance Transfer Credit Cards (234)Balance Transfer Credit Cards (235)Balance Transfer Credit Cards (236)Balance Transfer Credit Cards (237)Balance Transfer Credit Cards (238)Balance Transfer Credit Cards (239)Balance Transfer Credit Cards (240)Balance Transfer Credit Cards (241)Balance Transfer Credit Cards (242)Balance Transfer Credit Cards (243)5.00/5 starsOur ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Balance Transfer Credit Cards (244)Balance Transfer Credit Cards (245)Balance Transfer Credit Cards (246)Balance Transfer Credit Cards (247)Balance Transfer Credit Cards (248) = Best
Balance Transfer Credit Cards (249)Balance Transfer Credit Cards (250)Balance Transfer Credit Cards (251)Balance Transfer Credit Cards (252) = Excellent
Balance Transfer Credit Cards (253)Balance Transfer Credit Cards (254)Balance Transfer Credit Cards (255) = Good
Balance Transfer Credit Cards (256)Balance Transfer Credit Cards (257) = Fair
Balance Transfer Credit Cards (258) = Poor

Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Good/Excellent (670-850)

Apply Now for Discover it® Balance Transfer

Rates & Fees Balance Transfer Credit Cards (259)

Intro APR

Purchases: 0%, 6 months

Balance Transfers: 0%, 18 months

Regular APR

17.24% - 28.24% Variable APR

RewardsEarn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.

1%-5% cash back

Welcome OfferN/A

Discover will match all the cash back you’ve earned at the end of your first year.

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. 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. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Your account may not always be eligible for balance transfers. Balance transfer eligibility is determined at Discover’s discretion.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee.
  • Terms and conditions apply.

Is a balance transfer allowed between cards from the same bank?

Most issuers won't allow balance transfers between cards at their institution. When choosing a card, make sure it is from a different issuer than the card whose balance you want to transfer.

Be careful with purchases on a balance transfer card

If you’re carrying a balance transfer, but don’t also have a 0% intro APR promotion for purchases, then you could be charged interest on new purchases from the moment you swipe your card — even before your monthly payment is due. If you want to make a purchase (but are carrying a balance) be sure the card has 0% intro APR on purchases.

There's a right way to swipe

Credit cards with rewards & 0% intro APR offers are excellent, but remember, they are a tool to help you get the most out of your spending. The Ascent motto to follow:

  1. Pay off your card in full each month.
  2. Choose a card whose features are a good fit for you.
  3. Don't spend more than you already would.

Follow this and you'll be making your money work overtime for you. Live richly, not risky.

Getting out of debt and building your credit

Is your credit score below 670? If so, you’re less likely to get approved for these cards — but visitthis pagefor our top-rated options for getting out of debt and building your credit.

Our Credit Cards Experts

Balance Transfer Credit Cards (260)

By:The Ascent Staff

The Ascent brings financial expertise, trusted advice, and unbiased analysis to the world of daily personal finance decisions. Our mission is to help you live more richly.

We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.

Discover Financial Services is an advertising partner of The Ascent, a Motley Fool company. Wells Fargo is an advertising partner of The Ascent, a Motley Fool company. Citigroup is an advertising partner of The Ascent, a Motley Fool company. Bank of America is an advertising partner of The Ascent, a Motley Fool company. John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. JPMorgan Chase is an advertising partner of The Ascent, a Motley Fool company. The Motley Fool has positions in and recommends Amazon, Bank of America, JPMorgan Chase, Target, Uber Technologies, and Visa. The Motley Fool recommends Discover Financial Services. The Motley Fool has a disclosure policy.

The Ascent is a Motley Fool service that rates and reviews essential products for your everyday money matters.

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Balance Transfer Credit Cards (2024)
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