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 Rewards+ Card

Citi Rewards+<sup>&#8480;</sup> Card

Citi Rewards+ Card

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Excellent/Good Credit
Why We Like It
15,000 bonus points after you spend $1,000 in purchases with your card within 3 months
Balance Transfer Duration
  • 15 months
Balance Transfer Fee
  • 3% of each balance transfer; $5 minimum.
Apply Now
Excellent/Good Credit

Benefits & Key features

  • The Citi Rewards+ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year

Excellent/Good

Credit Needed
680
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

Capital One® SavorOne℠ Cash Rewards Credit Card

Capital One® SavorOne℠ Cash Rewards Credit Card

Capital One® SavorOne℠ Cash Rewards Credit Card

Apply Now
Excellent/Good Credit
Why We Like It
$150 cash rewards 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

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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; 16.24% - 26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24% - 26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

Excellent/Good

Credit Needed
680
850
Intro APR
(Purchases)
0%
for 15 months
Intro APR
(Balance Transfer)
0%
for 15 months
Regular APR
16.24% - 26.24%
(Variable)
Annual Fee
$0