Pay off your credit card debt with one of these balance transfer credit cards, some of which are from our partners. You might also want to check out NerdWallet's Best Balance Transfer Credit Cards.
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0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply
Regular APR
13.99% Variable APR
Annual fee
$0
Balance Transfer Fee
Balance Transfers that post to the account within 45 days of account opening: Either $5 or 2% of the amount of each transfer, whichever is greater. Balance Transfers that post to the account after 45 days of account opening: $0
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Citi Simplicity® Card - No Late Fees Ever
on Citibank's secure application
This card is eligible for NerdWallet Cash Back
Get up to 10% cash back at 1000s of shops and restaurants — only for NerdWallet members.
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Citi Simplicity® Card - No Late Fees Ever
The ONLY card with 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 15.99% - 25.99%, based on your creditworthiness
0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
The ONLY card with 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 15.99% - 25.99%, based on your creditworthiness
0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
Intro APR
0% on Purchases for 12 months and 0% on Balance Transfers for 21 months
Regular APR
15.99% - 25.99% Variable APR
Annual fee
$0
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
This card is eligible for NerdWallet Cash Back
Get up to 10% cash back at 1000s of shops and restaurants — only for NerdWallet members.
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BankAmericard® credit card
on Bank of America's secure website
This card is eligible for NerdWallet Cash Back
Get up to 10% cash back at 1000s of shops and restaurants — only for NerdWallet members.
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BankAmericard® credit card
NEW OFFER: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.99% - 24.99% Variable APR. 3% fee (min $10) applies to balance transfers
No annual fee
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
NEW OFFER: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.99% - 24.99% Variable APR. 3% fee (min $10) applies to balance transfers
No annual fee
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
Intro APR
0% on Purchases for 18 billing cycles and 0% on Balance Transfers for 18 billing cycles for balance transfers made in the first 60 days
Regular APR
14.99% - 24.99% Variable APR
Annual fee
$0
Balance Transfer Fee
Either $10 or 3% of the amount of each transaction, whichever is greater.
This card is eligible for NerdWallet Cash Back
Get up to 10% cash back at 1000s of shops and restaurants — only for NerdWallet members.
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Citi® Double Cash Card – 18 month BT offer
on Citibank's secure application
This card is eligible for NerdWallet Cash Back
Get up to 10% cash back at 1000s of shops and restaurants — only for NerdWallet members.
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Citi® Double Cash Card – 18 month BT offer
Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
Balance Transfers do not earn cash back
0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
Balance Transfers do not earn cash back
0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
Intro APR
0% on Balance Transfers for 18 months
Regular APR
15.49% - 25.49% Variable APR
Annual fee
$0
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
This card is eligible for NerdWallet Cash Back
Get up to 10% cash back at 1000s of shops and restaurants — only for NerdWallet members.
Learn more
Discover it® Balance Transfer
on Discover's secure website
Discover it® Balance Transfer
INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Redeem cash back any amount, any time. Rewards never expire.
INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Redeem cash back any amount, any time. Rewards never expire.
Intro APR
0% on Purchases for 6 months and 0% on Balance Transfers for 18 months
Regular APR
13.99% - 24.99% Variable APR
Annual fee
$0
Balance Transfer Fee
3%
View Rates and Fees
HSBC Gold Mastercard® credit card
on HSBC's secure website
This card is eligible for NerdWallet Cash Back
Get up to 10% cash back at 1000s of shops and restaurants — only for NerdWallet members.
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HSBC Gold Mastercard® credit card
0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% will apply.
No Penalty APR.
Late Fee Waiver.
0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% will apply.
No Penalty APR.
Late Fee Waiver.
Intro APR
0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.
Regular APR
12.99%, 16.99% or 20.99% variable APR
Annual fee
$0
Balance Transfer Fee
4%
This card is eligible for NerdWallet Cash Back
Get up to 10% cash back at 1000s of shops and restaurants — only for NerdWallet members.
Learn more
View Rates and Fees
Wells Fargo Platinum Visa® Card
on Wells Fargo's secure website
This card is eligible for NerdWallet Cash Back
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Wells Fargo Platinum Visa® Card
0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 13.49%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
Easy access to your FICO® Credit Score with Wells Fargo Online®
0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 13.49%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
Easy access to your FICO® Credit Score with Wells Fargo Online®
Intro APR
0% on Purchases and Balance Transfers for 18 months
Regular APR
13.49% - 26.99% Variable APR
Annual fee
$0
Balance Transfer Fee
3% intro for 18 months, then 5% ongoing
This card is eligible for NerdWallet Cash Back
Get up to 10% cash back at 1000s of shops and restaurants — only for NerdWallet members.
Learn more
American Express Cash Magnet™ Card
on American Express's secure website
This card is eligible for NerdWallet Cash Back
Get up to 10% cash back at 1000s of shops and restaurants — only for NerdWallet members.
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American Express Cash Magnet™ Card
Earn up to $250 back. Here’s how: Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
Plus, earn an additional $100 statement credit after you spend an additional $6,500 in purchases within your first 12 months.
Unlimited 1.5% Cash Back on your purchases.
Earn up to $250 back. Here’s how: Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
Plus, earn an additional $100 statement credit after you spend an additional $6,500 in purchases within your first 12 months.
Unlimited 1.5% Cash Back on your purchases.
Intro APR
0% on Purchases and Balance Transfers for 15 months
Regular APR
14.99% - 25.99% Variable APR
Annual fee
$0
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
This card is eligible for NerdWallet Cash Back
Get up to 10% cash back at 1000s of shops and restaurants — only for NerdWallet members.
Learn more
View Rates and Fees
Barclaycard Ring® Mastercard®
on Barclays's secure website
This card is eligible for NerdWallet Cash Back
Get up to 10% cash back at 1000s of shops and restaurants — only for NerdWallet members.
Learn more
Barclaycard Ring® Mastercard®
Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply
Low 13.99% variable APR on purchases and cash advances
No annual fee
Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply
Low 13.99% variable APR on purchases and cash advances
No annual fee
Intro APR
0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply
Regular APR
13.99% Variable APR
Annual fee
$0
Balance Transfer Fee
Balance Transfers that post to the account within 45 days of account opening: Either $5 or 2% of the amount of each transfer, whichever is greater. Balance Transfers that post to the account after 45 days of account opening: $0
This card is eligible for NerdWallet Cash Back
Get up to 10% cash back at 1000s of shops and restaurants — only for NerdWallet members.
Learn more
View Rates and Fees
Blue Cash Everyday® Card from American Express
on American Express's secure website
This card is eligible for NerdWallet Cash Back
Get up to 10% cash back at 1000s of shops and restaurants — only for NerdWallet members.
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Blue Cash Everyday® Card from American Express
$150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
$150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
Intro APR
0% on Purchases and Balance Transfers for 15 months
Regular APR
14.99% - 25.99% Variable APR
Annual fee
$0
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
This card is eligible for NerdWallet Cash Back
Get up to 10% cash back at 1000s of shops and restaurants — only for NerdWallet members.
Learn more
View Rates and Fees
Capital One® Quicksilver® Cash Rewards Credit Card
on Capital One's secure website
This card is eligible for NerdWallet Cash Back
Get up to 10% cash back at 1000s of shops and restaurants — only for NerdWallet members.
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Capital One® Quicksilver® Cash Rewards Credit Card
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
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
Intro APR
0% on Purchases and Balance Transfers for 15 months
Regular APR
14.74% - 24.74% Variable APR
Annual fee
$0
Balance Transfer Fee
3%
This card is eligible for NerdWallet Cash Back
Get up to 10% cash back at 1000s of shops and restaurants — only for NerdWallet members.
Learn more