Top 5 Balance Transfer Cards

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If you’re struggling with high-interest credit card debt, a balance transfer credit card could be your ticket to saving money and getting your finances back on track.

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These cards allow you to transfer existing debt to a new card, often offering a low or 0% interest rate for an introductory period.

Chase Slate Edge℠ Credit Card

  • Intro APR: 0% for the first 18 months on balance transfers
  • Balance Transfer Fee: $5 or 3% of the amount of each transfer, whichever is greater
  • Regular APR: 19.49%–28.24% Variable APR after intro period

Why it stands out: Chase Slate Edge offers one of the longest 0% APR periods for balance transfers, making it a strong choice for those who need more time to pay off their balance. The 0% APR for the first 18 months is ideal for large transfers, helping you save on interest during that period.

Best for: People looking for a long 0% APR period and low fees on transfers.

Citi® Diamond Preferred® Card

  • Intro APR: 0% Intro APR for 12 months on balance transfers
  • Balance Transfer Fee: 5% of the transfer amount (minimum $5)
  • Regular APR: 17.24% – 27.99% Variable APR after intro period

Why it stands out: Citi Diamond Preferred offers a long 0% introductory APR period, which is perfect for those who need more time to pay off their balances. It also has a relatively low balance transfer fee compared to other cards in its class.

Best for: Those who need a long-term solution with a focus on 0% APR.

Wells Fargo Reflect® Card

  • Intro APR: 0% for the first 21 months on balance transfers
  • Balance Transfer Fee: 3% for the first 120 days (then 5%)
  • Regular APR: 18.24%–28.99% Variable APR after intro period

Why it stands out: The Wells Fargo Reflect Card offers a unique feature of potentially extending the 0% APR period to 21 months, making it a great option for those needing a longer period to pay off debt.

Best for: Individuals who may need more than 18 months to pay off their balance and want flexibility in their payment plan.

Discover it® Balance Transfer

  • Intro APR: 0% for the first 15 months on balance transfers
  • Balance Transfer Fee: 3% of each transfer
  • Regular APR:  18.24% to 27.24% Variable APR after intro period

Why it stands out: Discover it® is not only strong with its 0% APR offer for the first 18 months, but it also offers cashback rewards on purchases, which many balance transfer cards do not provide. Plus, Discover’s customer service is top-rated, which can be reassuring if you need assistance.

Best for: Those who want to earn cashback rewards while paying off debt.

Applying for the Best Balance Transfer Cards >>>
Exclusive benefits of balance transfer cards >>>

BankAmericard® Credit Card

  • Intro APR: 0% for the first 18 billing cycles on balance transfers
  • Balance Transfer Fee: $10 or 3% of each transfer, whichever is greater
  • Regular APR: 15.24% – 25.24% Variable APR after intro period

Why it stands out: BankAmericard offers a solid 0% intro APR period for balance transfers and a very reasonable transfer fee. This card also comes with a number of consumer protections, like fraud protection and zero liability on unauthorized charges.

Best for: Those who want a reliable, no-frills card with a decent introductory offer.

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