Here are the best balance transfer credit cards:

Best for long 0% APR period

Citi Simplicity® Card - No Late Fees Ever

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Learn More on Citibank's secure site

Best for long-term value

Discover it® - 18 Month Balance Transfer Offer

Learn More
Learn More on Discover's secure site

Best for average credit

Chase Slate®

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Learn More on Chase's secure site


Our pick for

Longest 0% Intro APR period

Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

Apply Now on Citibank's secure site

Intro APR Promotions

0% on Purchases and Balance Transfers for 21 months

APR

  • APR: 14.99% - 24.99% Variable APR

Annual Fee

$0

Bonus Offer

None

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
Balance transfer fee
3%
0% promo period
21
months
Recommended credit score
690
850
Good - Excellent
We like it for
Long 0% period for transfers No late fee No annual fee

Who it’s good for

Someone who needs more than 18 months to pay down debt interest-free.

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

Long-term value

Discover it® - 18 Month Balance Transfer Offer

Discover it® - 18 Month Balance Transfer Offer

Apply Now on Discover's secure site

Intro APR Promotions

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

APR

  • APR: 11.99% - 23.99% Variable APR
  • Cash Advance APR: 25.99%, Variable

Annual Fee

$0

Bonus Offer

You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.

  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Balance transfer fee
3%
0% promo period
18
months
Recommended credit score
690
850
Good - Excellent
We like it for
Cash-back rewards Long 0% period on transfers No annual fee

Who it’s good for

Someone who prefers to use one card for everything.

Benefits

Most balance-transfer cards don’t give you much of a reason to keep using them after the 0% period expires. The Discover it® - 18 Month Balance Transfer Offer is different because of its rewards program. It pays 5% cash back in rotating categories that you activate, on up to $1,500 in purchases each quarter, and 1% on everything else. In recent years, those categories have included such common merchants as gas stations, restaurants and Amazon.com. There’s also a new-cardholder bonus that gets bigger the more you use the card.

Drawbacks

Bottom line

Our pick for

Average credit

Chase Slate®

Chase Slate®

Apply Now on Chase's secure site

Intro APR Promotions

0% on Purchases and Balance Transfers for 15 months

APR

  • APR: 15.99% - 24.74% Variable APR
  • Cash Advance APR: 25.99%, Variable

Annual Fee

$0

Bonus Offer

Save with a $0 introductory balance transfer fee and get 0% introductory APR for 15 months on purchases and balance transfers, and $0 annual fee. Plus, receive your monthly FICO® Score for free.

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • Chase Slate named "Best Credit Card for Balance Transfers" four years in a row by Money Magazine
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
Balance transfer fee
$0 Intro
0% promo period
15
months
Recommended credit score
630
719
Average - Good
We like it for
No transfer fee for 60 days No annual fee 0% period on transfers

Who it’s good for

Those with average credit who want a cost-effective just-for-debt card.

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 comes with the Chase Slate Credit Dashboard, which lets you track your FICO score for free.

Drawbacks

Bottom line

 

Best balance transfer cards from major issuers

 APRBalance transfer fee**Annual fee
**Minimum fee is typically $5
The Amex EveryDay® Credit Card from American Express0% on Purchases and Balance Transfers for 12 months, and then the ongoing APR of 13.99% - 23.99% Variable APR3%$0
Barclaycard Ring™ Mastercard®0% on Purchases for 15 months and 0% on Balance Transfers for 15 months (on balance transfers made within 45 days of account opening), and then the ongoing APR of 13.99% Variable APRNone$0
BankAmericard® Credit Card0% on Purchases for 15 billing cycles and 0% on Balance Transfers for 15 billing cycles for balance transfers made in the first 60 days, and then the ongoing APR of 12.99% - 22.99% Variable APRNone for 60 days, then 3%$0
Capital One® Quicksilver® Cash Rewards Credit Card0% on Purchases and Balance Transfers for 9 months, and then the ongoing APR of 13.99% - 23.99% Variable APR3%$0
Chase Slate®0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 15.99% - 24.74% Variable APRNone for 60 days, then 5%$0
Citi Simplicity® Card - No Late Fees Ever0% on Purchases and Balance Transfers for 21 months, and then the ongoing APR of 14.99% - 24.99% Variable APR3%$0
Discover it® - 18 Month Balance Transfer Offer0% on Purchases for 6 months and 0% on Balance Transfers for 18 months, and then the ongoing APR of 11.99% - 23.99% Variable APR3%$0
U.S. Bank Visa® Platinum Card0% for 15 months on purchases and balance transfers, and then the ongoing APR of 10.99% - 22.99% Variable3%$0*
Wells Fargo Platinum Visa® Card0% on Purchases and Balance Transfers for 18 months, and then the ongoing APR of 16.15% - 25.99% Variable APR3% intro for 18 months, then 5% $0

Methodology

NerdWallet’s credit cards team selects the best 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 be chosen in multiple categories.

Last updated Sept. 20, 2017.

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