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:

Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity<sup>&reg;</sup> Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

Creditcards.org's Expert Rating- click here to view rating methodology.
4.75
Apply Now
Excellent/Good Credit
Why We Like It
Longest duration to transfer a balance
Balance Transfer Duration
  • 21 months
Balance Transfer Fee
  • 5% of each balance transfer; $5 minimum.
Apply Now
Excellent/Good Credit

Benefits & Key features

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

Excellent/Good

Credit Needed
300
438
575
712
850+
Intro APR
(Purchases)
0%
for 12 months
Intro APR
(Balance Transfer)
0%
for 21 months
Regular APR
16.24% - 26.24%
(Variable)
Annual Fee
$0

Citi® Double Cash Card – 18 month BT offer

Citi<sup>&reg;</sup> Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

Creditcards.org's Expert Rating- click here to view rating methodology.
4.5
Apply Now
Excellent/Good Credit
Why We Like It
No categories to track, no caps on cash back, no annual fee
Balance Transfer Duration
  • 18 months
Balance Transfer Fee
  • 3% of each balance transfer; $5 minimum.
Apply Now
Excellent/Good Credit

Benefits & Key features

  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
  • Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Excellent/Good

Credit Needed
300
438
575
712
850+
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
0%
for 18 months
Regular APR
15.49% - 25.49%
(Variable)
Annual Fee
$0

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

Creditcards.org's Expert Rating- click here to view rating methodology.
4.75
Apply Now
Excellent/Good Credit
Why We Like It
$150 cash bonus after spending $500 in the first 3 months
Balance Transfer Duration
  • 15 months
Balance Transfer Fee
  • 3%
Apply Now
Excellent/Good Credit

Benefits & Key features

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

Excellent/Good

Credit Needed
300
438
575
712
850+
Intro APR
(Purchases)
0%
for 15 months
Intro APR
(Balance Transfer)
0%
for 15 months
Regular APR
15.74% - 25.74%
(Variable)
Annual Fee
$0

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

Bank of America&reg; 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
Apply Now
Excellent/Good Credit
Why We Like It
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Balance Transfer Duration
  • 15 billing cycles
Balance Transfer Fee
  • Either $10 or 3% of the amount of each transaction, whichever is greater.
Apply Now
Excellent/Good Credit

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
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.74% - 25.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • 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)
0%
Introductory APR on purchases for 15 billing cycles
Intro APR
(Balance Transfer)
0%
Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
15.74% - 25.74%
Variable APR on purchases and balance transfers
Annual Fee
$0