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12 Best Balance Transfer Credit Cards of November 2024

Updated: Nov 8, 2024
Erin Hurd
Written by
Caitlin Mims
Reviewed by
Content Management Specialist
Paul Soucy
Edited by
Fact Checked
Director
Fact Checked
Erin Hurd
Written by
Caitlin Mims
Reviewed by
Content Management Specialist
Paul Soucy
Edited by
Fact Checked
Director
Fact Checked
+ 2 more
+ 2 more
Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

The best balance transfer credit cards charge no annual fee and offer 15 months or more of 0% APR for balance transfers. Moving your high-interest credit card debt to a balance transfer card with a 0% introductory rate can save you hundreds, or even thousands, of dollars in interest and help you get out of debt sooner.

  • 400+ credit cards reviewed by our team of experts (See our top picks)

  • 80+ years of combined experience covering credit cards and personal finance

  • 27,000+ hours spent researching and reviewing financial products in the last 12 months

  • Objective comprehensive ratings rubrics (Methodology)

NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.

  • 400+ credit cards reviewed by our team of experts (See our top picks)

  • 80+ years of combined experience covering credit cards and personal finance

  • 27,000+ hours spent researching and reviewing financial products in the last 12 months

  • Objective comprehensive ratings rubrics (Methodology)

NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.

NerdWallet's Best Balance Transfer Credit Cards of November 2024

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Best Balance Transfer Credit Cards

Credit card
NerdWallet rating
Intro APRRegular APRRewards rateLearn more
Discover it® Cash Back - 18 Month Intro Balance Transfer Offer ImageDiscover it® Cash Back - 18 Month Intro Balance Transfer Offer
Best for Long intro period + quarterly categories

0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months

18.74%-27.74% Variable APR

1%-5%

Cashback
Citi Simplicity® Card ImageCiti Simplicity® Card
Best for Extra-long intro period + no late fees

0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months

18.74%-29.49% Variable APR

N/A

BankAmericard® credit card ImageBankAmericard® credit card
Apply Now
on Bank of America's website
on Bank of America's website
Best for Long intro period + straightforward benefits

0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days

15.74%-25.74% Variable APR

N/A

Apply Now
on Bank of America's website
on Bank of America's website
Chase Freedom Unlimited® ImageChase Freedom Unlimited®
Apply Now
on Chase's website
on Chase's website
Best for All-around cash back

0% intro APR on purchases and Balance Transfers for 15 months

19.99%-28.74% Variable APR

1.5%-5%

Cashback
Apply Now
on Chase's website
on Chase's website
Wells Fargo Reflect® Card ImageWells Fargo Reflect® Card
Best for Longest intro period for transfers & purchases

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

17.74%, 24.24%, or 29.49% Variable APR

N/A

Citi Double Cash® Card ImageCiti Double Cash® Card
Best for 2% cash back

0% intro APR on balance transfers for 18 months

18.74%-28.74% Variable APR

1%-5%

Cashback
U.S. Bank Visa® Platinum Card ImageU.S. Bank Visa® Platinum Card
Best for Long intro period + low intro fee

0% intro APR for 18 billing cycles on purchases and balance transfers

17.99%-28.99% Variable APR

N/A

Citi® Diamond Preferred® Card ImageCiti® Diamond Preferred® Card
Best for Extra-long balance transfer offer

0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months

17.74%-28.49% Variable APR

N/A

Discover it® Chrome ImageDiscover it® Chrome
Best for Long intro period + gas and dining rewards

0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months

18.74%-27.74% Variable APR

1%-2%

Cashback
Chase Freedom Flex® ImageChase Freedom Flex®
Apply Now
on Chase's website
on Chase's website
Best for Quarterly cash back categories

0% intro APR on purchases and Balance Transfers for 15 months

19.99%-28.74% Variable APR

1%-5%

Cashback
Apply Now
on Chase's website
on Chase's website
Bank of America® Travel Rewards credit card ImageBank of America® Travel Rewards credit card
Apply Now
on Bank of America's website
on Bank of America's website
Best for Travel rewards

0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days

18.74%-28.74% Variable APR

1.5x

Points
Apply Now
on Bank of America's website
on Bank of America's website
Navy Federal Credit Union® Platinum Credit Card ImageNavy Federal Credit Union® Platinum Credit Card
Best for Military

0.99% intro APR on qualifying balance transfers for 12 months

11.49%-18.00%, Variable APR

N/A

save money

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Our pick for: Long intro period + quarterly categories

Balance transfer intro APR
0% intro APR on balance transfers for 18 months
Purchase intro APR
0% intro APR on purchases for 6 months
Regular APR
18.74%-27.74% Variable APR
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
Cashback Match™
Recommended credit score
Balance transfer intro APR
0% intro APR on balance transfers for 18 months
Purchase intro APR
0% intro APR on purchases for 6 months
Regular APR
18.74%-27.74% Variable APR
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
Cashback Match™
Recommended credit score

5%
Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
1%
Cash back on all other purchases.

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • Apply and you could get a decision in as little as 60 seconds. No annual fee.
  • Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 18 months on balance transfers. Then 18.74% to 27.74% Standard Variable APR applies, based on credit worthiness.
  • Terms and conditions apply.
  • View Rates & Fees

Most balance-transfer cards don't give you much of a reason to hold onto them after the 0% period ends. The Discover it® Cash Back - 18 Month Intro Balance Transfer Offer is a noteworthy exception. Get it for the balance-transfer benefits, keep it for the cash-back rewards.

Pros
  • You get a 0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months, and then the ongoing APR of 18.74%-27.74% Variable APR. (There's a 3% introductory balance transfer fee and a fee of up to 5% on future balance transfers; see terms.) In addition to the introductory 0% period, this card pays 5% cash back in rotating categories that you activate, on up to $1,500 in purchases each quarter, and 1% on everything else. Discover matches the cash back you earn in your first year — although ideally in that first year you'll be focused more on paying down balances than adding to them.

Cons
  • The 0% period on purchases is considerably shorter than that for balance transfers, so it's best to avoid putting purchases on the card until you've paid off transferred debt. When it comes to rewards, the activation requirement for bonus categories can be a hassle.

Read full review

Our pick for: Extra-long intro period + no late fees

Balance transfer intro APR
0% intro APR on balance transfers for 21 months
Purchase intro APR
0% intro APR on purchases for 12 months
Regular APR
18.74%-29.49% Variable APR
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended credit score
Balance transfer intro APR
0% intro APR on balance transfers for 21 months
Purchase intro APR
0% intro APR on purchases for 12 months
Regular APR
18.74%-29.49% Variable APR
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended credit score

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.74% - 29.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Stay protected with Citi® Quick Lock
  • View Rates & Fees

The 0% intro APR period this card offers on balance transfers is lengthy. And you'll never pay late fees or a penalty APR on the Citi Simplicity® Card.

Pros
  • The long 0% period on balance transfers is this card's primary selling point. (Balance transfer fee: 3% or $5, whichever is greater, in the first four months; 5% or $5, whichever is greater, after that.) The absence of late fees is a benefit for the absent-minded, although you don't want to get in the habit of paying bills late. Other lenders aren't as forgiving, and chronic lateness can kill your credit score.

Cons
  • Because it doesn't earn rewards, there's not a lot of ongoing value to the card once that 0% period runs out.

Read full review

Our pick for: Long intro period + straightforward benefits

Balance transfer intro APR
0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days
Purchase intro APR
0% intro APR on Purchases for 18 billing cycles
Regular APR
15.74%-25.74% Variable APR
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended credit score
Apply Now
on Bank of America's website
on Bank of America's website
Balance transfer intro APR
0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days
Purchase intro APR
0% intro APR on Purchases for 18 billing cycles
Regular APR
15.74%-25.74% Variable APR
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended credit score

  • 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 15.74% - 25.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • No annual fee.
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

The BankAmericard® credit card is a great option for people looking for breathing room to whittle down high-interest credit card debt.

Pros
  • The card offers an outstanding 0% period to help you wipe out debt: 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 15.74%-25.74% will apply. (Balance transfer fee: 3% for 60 days from account opening, then 4%.) The annual fee is $0.

Cons
  • The card doesn't earn ongoing rewards.

Read full review

Our pick for: All-around cash back

Balance transfer intro APR
0% intro APR on balance transfers for 15 months
Purchase intro APR
0% intro APR on purchases for 15 months
Regular APR
19.99%-28.74% Variable APR
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
Up to $300
Recommended credit score
Apply Now
on Chase's website
on Chase's website
Balance transfer intro APR
0% intro APR on balance transfers for 15 months
Purchase intro APR
0% intro APR on purchases for 15 months
Regular APR
19.99%-28.74% Variable APR
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
Up to $300
Recommended credit score

5%
Cash back on travel purchased through Chase Travel℠.
3%
Cash back on drugstore purchases.
3%
Cash back on dining at restaurants, including takeout and eligible delivery services.
1.5%
Cash back on all other purchases.

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

The Chase Freedom Unlimited® earns 5 stars for its generous cash-back rewards. Look a little closer, though, and you'll see it also offers a solid 0% intro APR period for balance transfers.

Pros
  • You get a 0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 19.99%-28.74% Variable APR. (Balance transfer fee: 3% or $5, whichever is greater, in the first 60 days; 5% or $5, whichever is greater, after that.) The card has ongoing value with 1.5% cash back on most purchases, plus 5% on travel booked through Chase and 3% at drugstores and restaurants. There's an attractive bonus offer for new cardholders, too.

Cons
  • You can get a longer 0% period on transfers with other cards, including a couple that also earn cash back.

Read full review

Our pick for: Longest intro period for transfers & purchases

Balance transfer intro APR
0% intro APR on Balance Transfers for 21 months from account opening on qualifying balance transfers
Purchase intro APR
0% intro APR on Purchases for 21 months from account opening
Regular APR
17.74%, 24.24%, or 29.49% Variable APR
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended credit score
Balance transfer intro APR
0% intro APR on Balance Transfers for 21 months from account opening on qualifying balance transfers
Purchase intro APR
0% intro APR on Purchases for 21 months from account opening
Regular APR
17.74%, 24.24%, or 29.49% Variable APR
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended credit score

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24%, or 29.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
  • $0 Annual Fee.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
  • View Rates & Fees

The Wells Fargo Reflect® Card boasts a 0% intro APR period that's close to two years.

Pros
  • The highlight of this $0-annual-fee card: It offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, and then the ongoing APR of 17.74%, 24.24%, or 29.49% Variable APR. It also offers cell phone insurance.

Cons
  • The balance transfer fee of 5% (minimum $5) is on the high end for cards in its class. The card doesn't earn ongoing rewards on everyday spending. (It's possible to earn rewards through the issuer's "My Wells Fargo Deals" feature, but those are one-off deals that require activation.)

Read full review

Our pick for: 2% cash back

Balance transfer intro APR
0% intro APR on balance transfers for 18 months
Purchase intro APR
N/A
Regular APR
18.74%-28.74% Variable APR
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended credit score
Balance transfer intro APR
0% intro APR on balance transfers for 18 months
Purchase intro APR
N/A
Regular APR
18.74%-28.74% Variable APR
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended credit score

2%
Cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • View Rates & Fees

The Citi Double Cash® Card is renowned for its best-in-class cash-back rewards. Scroll down the page when you go to apply for the card, and you'll discover that it comes with a terrific balance-transfer offer, too.

Pros
  • As a balance-transfer card, there's a lot to like, including a lengthy introductory interest-free period for transfers. (Balance transfer fee: 3% or $5, whichever is greater, in the first four months; 5% or $5, whichever is greater, after that.) And the card has tremendous ongoing value: 2% cash back on all purchases — 1% when you buy something and 1% when you pay it off.

Cons
  • There's no 0% period for purchases. That means if you transfer a balance onto this card, you'll get no grace period, and you'll be paying interest on purchases right away. Your best move is to pay off the transferred debt first, then start using this card for the rewards.

Read full review

Our pick for: Long intro period + low intro fee

Balance transfer intro APR
0% intro APR on balance transfers for 18 billing cycles
Purchase intro APR
0% intro APR on purchases for 18 billing cycles
Regular APR
17.99%-28.99% Variable APR
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended credit score
Balance transfer intro APR
0% intro APR on balance transfers for 18 billing cycles
Purchase intro APR
0% intro APR on purchases for 18 billing cycles
Regular APR
17.99%-28.99% Variable APR
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended credit score

  • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.99% - 28.99%.
  • 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 U.S. Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
  • Choose a payment due date that fits your schedule.
  • No Annual Fee
  • Terms and conditions apply.
  • View Rates & Fees

The lengthy introductory 0% APR periods for both purchases and balance transfers on the U.S. Bank Visa® Platinum Card give you plenty of time to pay down new and old debts interest-free.

Pros
  • The card comes with a generous intro APR offer: 0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 17.99%-28.99% Variable APR.* You can choose your own due date with this card, which allows you to schedule debt payment for when its easiest on your wallet. It also offers cell phone protection if you use it to pay your cell phone bill.

Cons
  • Once the 0% period ends, so does the chief benefit of this card. Still, the cell phone coverage is a good reason to hold onto it.

Read full review

Our pick for: Extra-long balance transfer offer

Balance transfer intro APR
0% intro APR on balance transfers for 21 months
Purchase intro APR
0% intro APR on purchases for 12 months
Regular APR
17.74%-28.49% Variable APR
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended credit score
Balance transfer intro APR
0% intro APR on balance transfers for 21 months
Purchase intro APR
0% intro APR on purchases for 12 months
Regular APR
17.74%-28.49% Variable APR
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended credit score

  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.74% - 28.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
  • View Rates & Fees

The Citi® Diamond Preferred® Card is all about the long 0% intro APR period. It's about as much breathing room as you'll find anywhere for transferring debt.

Pros
  • The long 0% period for transfers is this card's defining feature, giving you more than a year to whittle down debt. You get a 0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months, and then the ongoing APR of 17.74%-28.49% Variable APR.

Cons
  • The 5% balance transfer fee (minimum $5) is on the high end. And because it doesn't earn rewards, there's not a lot of ongoing value to the card once that 0% period runs out.

Read full review

Our pick for: Long intro period + gas and dining rewards

Balance transfer intro APR
0% intro APR on balance transfers for 18 months
Purchase intro APR
0% intro APR on purchases for 6 months
Regular APR
18.74%-27.74% Variable APR
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
Cashback Match™
Recommended credit score
Balance transfer intro APR
0% intro APR on balance transfers for 18 months
Purchase intro APR
0% intro APR on purchases for 6 months
Regular APR
18.74%-27.74% Variable APR
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
Cashback Match™
Recommended credit score

2%
Cash back at Gas Stations on up to $1,000 in combined purchases each quarter.
2%
Cash back at Restaurants on up to $1,000 in combined purchases each quarter.
1%
Cash back on all other purchases.

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Get a 0% intro APR for 18 months on balance transfers. Then 18.74% to 27.74% Standard Variable APR applies, based on credit worthiness.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee.
  • Terms and conditions apply.
  • View Rates & Fees

The rewards on the Discover it® Chrome aren't too strong, but the introductory APR period stands out for those looking to transfer a balance.

Pros
  • You get a 0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months, and then the ongoing APR of 18.74%-27.74% Variable APR. (There's a 3% introductory balance transfer fee and a fee of up to 5% on future balance transfers; see terms.) In addition to the introductory 0% period, this card pays 2% cash back at restaurants and gas stations, on up to $1,000 in purchases each quarter; other purchases earn 1%.

Cons
  • The 0% period on purchases is considerably shorter than that for balance transfers, so it's best to avoid putting purchases on the card until you've paid off transferred debt.

Read full review

Our pick for: Quarterly cash back categories

Balance transfer intro APR
0% intro APR on balance transfers for 15 months
Purchase intro APR
0% intro APR on purchases for 15 months
Regular APR
19.99%-28.74% Variable APR
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended credit score
Apply Now
on Chase's website
on Chase's website
Balance transfer intro APR
0% intro APR on balance transfers for 15 months
Purchase intro APR
0% intro APR on purchases for 15 months
Regular APR
19.99%-28.74% Variable APR
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended credit score

5%
Cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
5%
Cash back on Chase travel purchased through Chase Travel®.
3%
Cash back on dining.
3%
Cash back at drugstores.
1%
Cash back on all other purchases.

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99%-28.74%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • Member FDIC

With a solid 0% intro APR offer for balance transfers, the Chase Freedom Flex® is more than a 5-star rewards card — although its inviting combination of bonus categories and generous sign-up offer have made it a perennial favorite for cash back.

Pros
  • You get a 0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 19.99%-28.74%, Variable APR. (Balance transfer fee: 3% or $5, whichever is greater, in the first 60 days; 5% or $5, whichever is greater, after that.) The card offers bonus cash back of 3% to 5% on certain travel, at restaurants and drugstores, and in categories that change each quarter. Other spending earns 1% cash back.

Cons
  • You can get a longer 0% period on transfers with other cards, including a couple that also earn cash back. The rotating quarterly 5% cash back categories give this card a lot of its appeal, but they do require some work, since you have to opt into them every three months.

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