Advertiser Disclosure

Balance Transfer Credit Cards

Balance transfers can be a superb tool to pay off your credit card debt, especially if your balance is currently on a card with a high interest rate. This is why we like using one of the balance transfer credit cards listed below, since they all offer cardholders a lengthy grace period to climb out of debt without having to pay interest fees along the way. The following are our favorite balance transfer credit cards offered by our partners:

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

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Why We Like It
With a 15 month introductory period of 0% APR on balance transfers and purchases as well as attractive cash back rewards, this card is a must-have
Balance Transfer Duration
  • 15 months
Balance Transfer Fee
  • $5 or 3% of transfer amount, whichever is greater
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Benefits & Key features

  • Get $150 back after you spend $1,000 on purchases on your new Card in your first 3 months. 
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 3% US supermarkets up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
  • Cash back is awarded as Reward Dollars that can be redeemed as a statement credit, gift cards, or merechandise.
  • A Credit Card that gives you cash back with a 0% Intro APR Offer on purchases and balance transfers for 15 months.
  • After that, your APR will be a variable rate, currently 12.99%-21.99% based on your creditworthiness and other factors.
  • No Annual Fee.
  • Terms and restrictions apply.

Excellent/Good

Credit Needed
300
438
575
712
850+
Intro APR
(Purchases)
0%
15 months
Intro APR
(Balance Transfer)
0%
15 months
Regular APR
13.99% - 24.99%
(Variable)
Annual Fee
$0

BankAmericard® credit card

BankAmericard® credit card

BankAmericard® credit card

Creditcards.org's Expert Rating- click here to view rating methodology.
4.75
Unavailable
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Why We Like It
Long introductory-APR period for both purchases and balance transfers
Balance Transfer Duration
  • 18 billing cycles
Balance Transfer Fee
  • Either $10 or 3% of the amount of each transaction, whichever is greater.
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Benefits & Key features

  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

Excellent/Good

Credit Needed
300
438
575
712
850+
Intro APR
(Purchases)
See Terms
Intro APR
(Balance Transfer)
See Terms
Regular APR
See Terms
Annual Fee
$0

American Express Cash Magnet® Card

American Express Cash Magnet® Card

American Express Cash Magnet® Card

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Why We Like It
1.5% cash back on all purchases and a generous 15 month period of 0% APR on purchases and balance transfers
Balance Transfer Duration
  • 15 months
Balance Transfer Fee
  • $5 or 3% of transfer amount, whichever is greater
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Benefits & Key features

  • Receive a $150 bonus when you spend at least $1,000 in purchases with 3 months of opening a new card.
  • Get 1.5% Cash Back on all purchases.
  • Cash back can be redeemed for statement credits, gift cards, or merchandise. 
  • A Cash Back card with a 0% introductory APR for the first 15 months on purchases and balance transfers.
  • After that, your APR will be a variable rate, currently 13.99% - 24.99% based on your creditworthiness and other factors.
  • More and more businesses are accepting American Express® Cards.
  • No annual fee.
  • Terms and Restrictions apply. 

Excellent/Good

Credit Needed
300
438
575
712
850+
Intro APR
(Purchases)
0%
15 months
Intro APR
(Balance Transfer)
0%
15 months
Regular APR
13.99% - 24.99%
(Variable)
Annual Fee
$0

Bank of America® Cash Rewards credit card - $200 Cash Rewards Bonus Offer

Bank of America® Cash Rewards credit card - $200 Cash Rewards Bonus Offer

Bank of America® Cash Rewards credit card - $200 Cash Rewards Bonus Offer

Creditcards.org's Expert Rating- click here to view rating methodology.
5
Unavailable
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Why We Like It
Use the bonus category to earn 3% cash back at grocery stores and wholesale clubs. $200 cash bonus when you make at least $1,000 in purchases in the first 90 days.
Balance Transfer Duration
  • 15 billing cycles
Balance Transfer Fee
  • Either $10 or 3% of the amount of each transaction, whichever is greater.
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Benefits & Key features

  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

Excellent/Good

Credit Needed
300
438
575
712
850+
Intro APR
(Purchases)
See Terms
Intro APR
(Balance Transfer)
See Terms
Regular APR
See Terms
Annual Fee
$0