Our pick for

$0 intro transfer fee

Chase Slate®

Apply Now

on Chase's secure website

Balance transfer fee
$0 Intro
0% promo period
15
months
Recommended credit score
Excellent 720-850
Good 690-719
We like it for
$0 introductory transfer fee Free FICO score Average credit No annual fee

Benefits

This card wins the balance-transfer triple crown. It offers a long 0% balance transfer APR, it has a $0 introductory fee for transfers made during the first 60 days of account opening, and it has an annual fee of $0. It’s also accessible — you can qualify with fair or average credit. It comes with Chase’s Blueprint program, which gives you a free FICO score and lets you build a customizable debt payoff plan.

Drawbacks

Bottom line


Our pick for

Longest 0% APR period

Citi Simplicity® Card - No Late Fees Ever

Apply Now

on Citibank's secure website

Balance transfer fee
3%
0% promo period
21
months
Recommended credit score
Excellent 720-850
Good 690-719
We like it for
Long 0% APR for transfers No late fees No annual fee Free FICO score

Benefits

This card rises to the top with its ultra-long 0% balance transfer APR, $0* annual fee and free FICO score. Unlike most cards, it doesn’t charge a late fee or a penalty APR, although you should still pay on time every month. Citi allows you to transfer any kind of debt to your card, including student loans and auto loans, as long as the account number is at least five digits long and doesn’t include any letters.

Drawbacks

Bottom line


Our pick for

Rewards

Citi®Double Cash Card – 18 month BT offer

Apply Now

on Citibank's secure website

Balance transfer fee
3%
0% promo period
18
months
Recommended credit score
Excellent 720-850
Good 690-719
We like it for
Flat-rate rewards Cash back No annual fee Free FICO score

Benefits

There’s no such thing as perfect plastic, but this $0-annual-fee card comes close. You’ll get 1% cash back on all purchases, and another 1% back when you pay for those purchases. Put them together, and that’s an industry-leading flat rewards rate. If you’re planning on making purchases while getting out of debt, that might make up for the balance transfer fee you’d have to pay on this card. You’ll also get a free FICO score.

Drawbacks

Bottom line


Our pick for

Sign-up bonus

Discover it®- 18 Month Balance Transfer Offer

Apply Now

on Discover's secure website

Balance transfer fee
3%
0% promo period
18
months
Recommended credit score
Excellent 720-850
Good 690-719
We like it for
Free FICO score Rotating bonus categories Large sign-up bonus No annual fee

Benefits

This card’s sign-up bonus comes with big potential: You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only. That could add up quickly, considering the card gives you 5% cash back on everyday categories, such as gas or restaurants, up to $1,500 in purchases each quarter, and 1% on everything else. The super-long introductory APR period on balance transfers gives you time to pay off your debt and earn rewards at the same time. You also get a free FICO score.

Drawbacks

Bottom line


 

To recap our selections:

Nerdwallet’s best balance transfer cards

Best for … Card
$0 intro transfer fee Chase Slate®
Longest 0% APR period Citi Simplicity® Card - No Late Fees Ever
Rewards Citi®Double Cash Card – 18 month BT offer
Sign-up bonus Discover it®- 18 Month Balance Transfer Offer

Our methodology

NerdWallet’s credit cards team selects cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to win in multiple categories.

Claire Tsosie is a staff writer at NerdWallet, a personal finance website. Email: claire@nerdwallet.com. Twitter: @ideclaire7.