Best Balance Transfer Credit Cards of 2026
Compare the top balance transfer credit cards with 0% intro APR offers. Find the best card to pay off debt faster and save on interest charges.
Citi Simplicity Card
Pros
- 21-month 0% intro APR on balance transfers
- No late fees ever
- No annual fee
Cons
- No rewards program
- 3% balance transfer fee
- Foreign transaction fees apply
Wells Fargo Reflect Card
Pros
- Up to 21 months at 0% intro APR
- Cell phone protection included
- No annual fee
Cons
- No rewards on purchases
- Requires good credit (670+)
- 3% balance transfer fee
BankAmericard Credit Card
Pros
- 18 billing cycles at 0% intro APR
- No annual fee
- Access to Bank of America tools
Cons
- No rewards program
- 3% balance transfer fee
- Higher ongoing APR after intro period
U.S. Bank Visa Platinum Card
Pros
- 20 billing cycles at 0% intro APR
- Cell phone protection
- No annual fee
Cons
- No rewards
- 3% balance transfer fee
- Must transfer within 60 days of opening
Discover it Balance Transfer
Pros
- 15 months 0% intro APR on transfers
- Cashback match in first year
- No annual fee
Cons
- Shorter intro period than competitors
- 3% intro balance transfer fee
- Limited acceptance outside the US
Crunch the numbers yourself
Use our free Credit Card Payoff Calculator to analyze your own situation and make the best decision.
Frequently Asked Questions
How does a balance transfer credit card work?
A balance transfer card lets you move existing debt from one card to a new card with a lower or 0% introductory APR. You typically pay a 3-5% transfer fee, then enjoy months of interest-free payments to pay down your principal faster.
What credit score do I need for a balance transfer card?
Most balance transfer cards with the best 0% APR offers require good to excellent credit (670+). Some cards for fair credit exist but usually have shorter intro periods and higher ongoing APRs.
Can I transfer a balance from one card to the same issuer?
Generally no. Most issuers do not allow balance transfers between their own cards. You need to transfer to a card from a different bank or credit card issuer.
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