Balance transfer credit cards
Move a balance from a high-interest card and pay it down with less interest. Longest 0% transfer period first. Most cards charge a transfer fee, so check the terms.
Estimate based on your answers, not a credit check. Approval is up to the issuer. Advertiser disclosureHow lemonope makes moneylemonope is free to use. If you click an Apply link and apply, or are approved, the card issuer or an affiliate partner may pay us. The amount differs from card to card.That never changes your approval odds, the order cards are shown in, or which cards we show. We never sell your personal information.Approval odds are estimates, not guarantees. The issuer decides. Card terms change often, so check the issuer's site before applying. We do not list every card on the market.Read the full disclosure · Sorted by the card's own published terms, never by what an issuer pays.
56 cards · 2 business cards are under Business · Answer 6 quick questions to see your approval odds
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U.S. BankU.S. Bank Shield VisaBalance transfer · 
No rewards except 4% back on prepaid travel via U.S. Bank Travel Center; long intro APR
- Annual fee
- No fee
- Intro APR
- 0% for 21 billing cycles on purchases and balance transfers
- Regular APR
- 17.24%–28.24% variable
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Bank of AmericaBankAmericardBalance transfer · 
No rewards; long intro APR
- Annual fee
- No fee
- Intro APR
- 0% for 21 billing cycles on purchases and balance transfers made in the first 60 days
- Regular APR
- 15.24%–26.24% variable
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Bank of AmericaBankAmericard for StudentsStudent ·
No rewards; intro APR
- Annual fee
- No fee
- Intro APR
- 0% for 21 billing cycles on purchases and balance transfers made in the first 60 days
- Regular APR
- 15.24%–26.24% variable
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ChaseSlate Credit CardBalance transfer ·
No rewards; long intro APR on balance transfers
- Annual fee
- No fee
- Intro APR
- 0% for 21 months on purchases and balance transfers
- Regular APR
- 18.49%–28.49% variable
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Wells FargoWells Fargo ReflectBalance transfer ·
No rewards; long intro APR on purchases & balance transfers
- Annual fee
- No fee
- Intro APR
- 0% for 21 months on purchases and qualifying balance transfers
- Regular APR
- 17.74%, 24.24% or 28.49% variable
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CitiCiti Double Cash CardCash back ·
2% on every purchase (1% when you buy, 1% when you pay)
- Annual fee
- No fee
- Intro APR
- 0% for 18 months on balance transfers
- Regular APR
- 18.49%–28.74% variable
- Welcome offer
- $200 after $1,500 spend in 6 months
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DiscoverDiscover it Balance TransferBalance transfer
5% rotating categories, 1% else; long balance-transfer intro APR
- Annual fee
- No fee
- Intro APR
- 0% for 18 months on balance transfers
- Regular APR
- 17.74%–26.74% variable
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CitiCiti Simplicity CardBalance transfer ·
No rewards; no late fees, long intro APR
- Annual fee
- No fee
- Intro APR
- 0% for 18 months on purchases (balance-transfer intro also offered)
- Regular APR
- 17.74%–28.49% variable
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American ExpressAmerican Express Blue Cash Preferred CardCash back
6% US supermarkets (up to $6k/yr) & select streaming, 3% transit & US gas, 1% else
- Annual fee
- $95/yr
- Intro APR
- 0% for up to 18 months on purchases and balance transfers (Amex says it can be as short as 6 months)
- Regular APR
- 19.74%–28.74% variable
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U.S. BankU.S. Bank Altitude Connect Visa SignatureTravel ·
4x travel, 4x gas & EV charging (first $1,000/quarter), 2x grocery/dining/streaming, 1x else; 5x prepaid hotels & car rentals via U.S. Bank Travel Center
- Annual fee
- No fee
- Intro APR
- 0% for 15 billing cycles on purchases and balance transfers
- Regular APR
- 17.74%–27.74% variable
- Welcome offer
- 20,000 bonus points
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U.S. BankU.S. Bank Cash+ Visa SignatureCash back ·
5% on two categories you choose (up to $2k/qtr), 2% one everyday category, 1% else
- Annual fee
- No fee
- Intro APR
- 0% for 15 billing cycles on purchases and balance transfers
- Regular APR
- 17.99%–28.24% variable
- Welcome offer
- $200 after $1,000 spend
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ChaseChase Freedom UnlimitedCash back ·
1.5% everything, 3% dining & drugstores, 5% Chase Travel
- Annual fee
- No fee
- Intro APR
- 0% for 15 months on purchases and balance transfers
- Regular APR
- 18.49%–27.99% variable
- Welcome offer
- $200 bonus after $500 spend in 3 months
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ChaseChase Freedom FlexCash back ·
5% rotating quarterly categories, 3% dining & drugstores, 1% else
- Annual fee
- No fee
- Intro APR
- 0% for 15 months on purchases and balance transfers
- Regular APR
- 18.49%–27.99% variable
- Welcome offer
- $250 bonus after $500 spend in 3 months
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PNCPNC Cash Rewards VisaCash back ·
4% gas, 3% dining, 2% grocery (on the first $8,000 combined each year), 1% else
- Annual fee
- No fee
- Intro APR
- 0% for 15 months on balance transfers made in the first 90 days
- Regular APR
- 18.74%–28.74% variable
- Welcome offer
- $250 after $1,000 spend in 3 months
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U.S. BankU.S. Bank Altitude Go Visa SignatureCash back ·
4x dining, 2x grocery/gas/streaming, 1x else
- Annual fee
- No fee
- Intro APR
- 0% for 15 billing cycles on purchases and balance transfers
- Regular APR
- 17.74%–27.74% variable
- Welcome offer
- 20,000 bonus points
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CitiCiti Strata CardTravel ·
ThankYou points; 3x on a self-select category and grocery/gas/transit, 1x else
- Annual fee
- No fee
- Intro APR
- 0% for 15 months on purchases and balance transfers
- Regular APR
- 18.74%–28.74% variable
- Welcome offer
- 20,000 points after $1,000 spend in 3 months
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BarclaysRCI Elite Rewards MastercardTravel ·
5x RCI, 2x travel/rideshare/gas/EV charging, 1x else
- Annual fee
- No fee
- Intro APR
- 0% for 15 billing cycles on balance transfers made in the first 45 days
- Regular APR
- 19.49%–29.74% variable
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BarclaysAARP Essential Rewards MastercardCash back ·
3% gas & drugstores, 2% medical, 1% else
- Annual fee
- No fee
- Intro APR
- 0% for 15 billing cycles on balance transfers made in the first 45 days
- Regular APR
- 20.49%–29.99% variable
- Welcome offer
- $100 after $500 spend in 90 days
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BarclaysAARP Travel Rewards MastercardTravel ·
3x travel & dining, 1x else
- Annual fee
- No fee
- Intro APR
- 0% for 15 billing cycles on balance transfers made in the first 45 days
- Regular APR
- 20.49%–29.99% variable
- Welcome offer
- $100 after $500 spend in 90 days
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Bank of AmericaBank of America Customized Cash RewardsCash back ·
3% in a category you choose, 2% grocery & wholesale clubs (up to $2,500/qtr combined), 1% else
- Annual fee
- No fee
- Intro APR
- 0% for 15 billing cycles on purchases and balance transfers made in the first 60 days
- Regular APR
- 17.74%–27.74% variable
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American ExpressAmerican Express Blue Cash Everyday CardCash back
3% US supermarkets, US online retail, US gas (up to $6k each/yr), 1% else
- Annual fee
- No fee
- Intro APR
- 0% for 15 months on purchases and balance transfers
- Regular APR
- 19.74%–28.74% variable
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Capital OneCapital One VentureOne RewardsTravel ·
1.25x miles on every purchase, 5x hotels/cars via Capital One Travel
- Annual fee
- No fee
- Intro APR
- 0% for 15 months on purchases and balance transfers
- Regular APR
- 18.74%–28.74% variable
- Welcome offer
- 20,000 miles after $500 spend in 3 months
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DiscoverDiscover it Cash BackCash back
5% rotating quarterly categories (up to $1,500), 1% else; Cashback Match first year
- Annual fee
- No fee
- Intro APR
- 0% for 15 months on purchases and balance transfers
- Regular APR
- 18.74%–28.74% variable
- Welcome offer
- $200 after $500 spend in 3 months (plus first-year Cashback Match)
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BarclaysCapital Vacations MastercardTravel ·
5x Capital Vacations, 2x RCI/travel/gas/EV charging, 1x else
- Annual fee
- No fee
- Intro APR
- 0% for 15 billing cycles on balance transfers made in the first 45 days
- Regular APR
- 19.49%–29.74% variable
- Welcome offer
- 5,000 points after first purchase
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