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Get out of debt faster while paying less.

Learn how you can save big
by using a balance transfer card.

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Credit card debt stings. The good news, however, is there’s a way to pay it down with less money in a shorter time. How? By moving your debt to a balance transfer card, which is a credit card that offers a lengthy 0% interest period. Unlike an everyday credit card (which charges interest on balances you carry from month to month), balance transfer cards give you time to pay down debt while preventing interest charges from stacking up.

Take advantage of introductory 0% APRs

When you’re paying down debt, interest rates matter – a lot. For example, compare the differences between paying down a $10,000 debt on an 18% APR card and a 0% balance transfer card. Using the balance transfer card could save you around $1,431, even after paying a transfer fee of $300. Want to save even more? Sign up for a card that doesn’t charge a transfer fee. As a heads up, the amount you may qualify to transfer and save depends on a variety of factors including your credit worthiness.
A balance transfer card can save over $1,000
chartchart
Total savings:
Financial savings:
$1,431
Pay off debt faster by:
3months

How to choose the right balance transfer card

Know the fees
Know the fees
Make sure you factor in the balance transfer fee (typically 3% to 5%) when choosing a card.
Avoid paying interest
Avoid paying interest
To get the most savings, aim to pay off your debt before interest kicks in.
Use a different provider
Use a different provider
You can’t transfer balances between cards from the same issuer. So be sure to apply to a different issuer.

A few of our favorite cards

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Apply Now

on U.S. Bank's website

Featured Card
Great for: Long 0% Intro APR period
NerdWallet Rating
  • 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 and Fees
See card details
  • 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.
See card details
Securely with U.S. Bank

Balance Transfer Fee

An introductory fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater, for balances transferred within 60 days of account opening. After that, either 5% of the amount of each transfer or $5 minimum, whichever is greater.

Intro APR

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

Ongoing APR

17.99%-28.99% Variable APR

Intro Balance Transfer APR Period

18 Months

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
VIEW RATES AND FEES
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Apply Now

on Citibank's application

Great for: Flat Rate Cash Back
NerdWallet Rating
  • 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 18.49% - 28.49%, 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).
See card details
  • 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.
See card details
Securely with Citibank

Balance Transfer Fee

Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

Intro APR

0% intro APR on balance transfers for 18 months

Ongoing APR

18.49%-28.49% Variable APR

Intro Balance Transfer APR Period

18 Months

Annual Fee

$0

Recommended Credit Score

630 - 850

Average - Excellent
See NerdWallet's pros & cons
VIEW RATES AND FEES
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Apply Now

on Bank of America's website

Great for: Cost-Effective Balance Transfer
NerdWallet Rating
  • 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 15.49% - 25.49% 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.
See card details
  • 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 15.49% - 25.49% 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.
See card details
Securely with Bank of America

Balance Transfer Fee

3% for 60 days from account opening, then 4%

Intro APR

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

Ongoing APR

15.49%-25.49% Variable APR

Intro Balance Transfer APR Period

18 billing cycles

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
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Apply Now

on Chase's website

Great for: Cash-Back Pairing with Chase Sapphire Preferred®
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  • 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 19.74% - 28.49%.
  • 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
See card details
  • 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).
See card details
Securely with Chase

Balance Transfer Fee

Either $5 or 5% of the amount of each transfer, whichever is greater.

Intro APR

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

Ongoing APR

19.74%-28.49% Variable APR

Intro Balance Transfer APR Period

15 Months

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
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Apply Now

on Wells Fargo's website

NerdWallet Rating
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • View Rates and Fees
See card details
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
See card details
Securely with Wells Fargo

Balance Transfer Fee

3% for 120 days from account opening, then up to 5%, min: $5

Intro APR

0% intro APR on Purchases for 12 months from account opening and 0% intro APR on Balance Transfers for 12 months from account opening on qualifying balance transfers

Ongoing APR

19.49%, 24.49%, or 29.49% Variable APR

Intro Balance Transfer APR Period

12 Months

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
VIEW RATES AND FEES
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Apply Now

on Bank of America's website

Great for: No Annual Fee Rewards
NerdWallet Rating
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Intro APR for 15 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 18.49% - 28.49% 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%.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • 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.
See card details
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
See card details
Securely with Bank of America

Balance Transfer Fee

3% for 60 days from account opening, then 4%

Intro APR

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

Ongoing APR

18.49%-28.49% Variable APR

Intro Balance Transfer APR Period

15 Billing Cycles

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
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Apply Now

on Discover's website, or call 800-347-0264

Great for: Flat-Rate Travel Rewards with Miles Match
NerdWallet Rating
  • UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase
  • No annual fee
  • Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
  • 0% intro APR for 15 months on purchases. Then 18.49% - 27.49% Standard Variable Purchase APR will apply. Rates as of December 12, 2024.
  • 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.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Terms and conditions apply.
  • View Rates and Fees
See card details
  • UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase
See card details
Call to apply
Securely with Discover

Balance Transfer Fee

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Ongoing APR

18.49%-27.49% Variable APR *Rates as of December 12, 2024.

Intro Balance Transfer APR Period

15 Months

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
VIEW RATES AND FEES
Updated --.