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
690
850
Good - Excellent
We like it for
No transfer fee for 60 days No annual fee Average credit or better

Who it’s good for

Someone looking for the most 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’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
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

Multiple transfers over time

Barclaycard Ring™ Mastercard®

Apply Now

on Barclaycard's secure website

Balance transfer fee
0%
0% promo period
15
months
Recommended credit score
720
850
Excellent
We like it for
$0 transfer fee 0% period on transfers No penalty fees No annual fee Low ongoing APR

Who it’s good for

Someone looking for a low-cost transfer option they can use repeatedly.

Benefits

The Barclaycard Ring™ Mastercard® comes with an introductory 0% APR period and never charges balance transfer fees — ever.

Drawbacks

Bottom line


Our pick for

Long-term value

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
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


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 13.74% - 23.74% Variable APR3%$0
Barclaycard Arrival Plus™ World Elite MasterCard®0% on Balance Transfers for 12 months (on balance transfers made within 45 days of account opening), and then the ongoing APR of 16.49%, 20.49% or 23.49% Variable APR3%$0 for the first year, then $89
BankAmericard® Credit Card0% on Balance Transfers for 18 billing cycles for balance transfers made in the first 60 days, and then the ongoing APR of 11.49% - 21.49% Variable APR3%$0
Capital One® Quicksilver® Cash Rewards Credit Card0% on Purchases and Balance Transfers for 9 months, and then the ongoing APR of 13.49% - 23.49% Variable APR3%$0
Chase Slate®0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 15.49% - 24.24% 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 14.24% - 24.24% 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 11.49% - 23.49% Variable APR3%$0
U.S. Bank Visa® Platinum Card0% for 15 months on purchases and balance transfers, and then the ongoing APR of 10.74% - 22.74% Variable3%$0*
Wells Fargo Propel 365 American Express® Card0% on Purchases and Balance Transfers for 12 months, and then the ongoing APR of 14.49% - 22.49% Variable APR3%$0 for the first year, then $45

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 Jan. 29, 2017.

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