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Get out of debt faster while paying less.

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

Use the right tools for the job

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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on Citibank's application

Great for: Flat Rate Cash Back

Securely with Citibank

  • 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.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
See card details

  • 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.
See card details

Balance Transfer Fee

3% of each balance transfer; $5 minimum.

Intro APR

0% intro APR on Balance Transfers for 18 months

Ongoing APR

13.99% - 23.99% Variable APR

Intro Balance Transfer APR Period

18 Months

Annual Fee

$0

Recommended Credit Score

720 - 850

Excellent - Excellent
See NerdWallet's pros & cons
[object Object] card art

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

Great for: Balance Transfers and Bonus Categories

Securely with Discover

  • INTRO OFFER: Unlimited Cashback Match – 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 each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • View Rates and Fees
See card details

  • INTRO OFFER: Unlimited Cashback Match – 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 each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
See card details

Balance Transfer Fee

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

Intro APR

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

Ongoing APR

11.99% - 22.99% 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

[object Object] card art

on Citibank's application

Great for: Long 0% interest periods for balance transfers

Securely with Citibank

  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, 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 3% 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.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
See card details

  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, 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 3% of the amount of each transfer, whichever is greater
See card details

Balance Transfer Fee

3% of each balance transfer; $5 minimum.

Intro APR

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

Ongoing APR

14.74% - 24.74% Variable APR

Intro Balance Transfer APR Period

18 Months

Annual Fee

$0

Recommended Credit Score

720 - 850

Excellent - Excellent
See NerdWallet's pros & cons
[object Object] card art

on US Bank's website

Great for: Long 0% Intro APR period

Securely with US Bank

  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% - 24.49%.
  • Great offer from U.S. Bank, a 2020 World's Most Ethical Company® - Ethisphere Institute, February 2021.
  • No Annual Fee*
  • Flexibility to choose a payment due date that fits your schedule.
  • 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.
  • View Rates and Fees
See card details

  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% - 24.49%.
  • Great offer from U.S. Bank, a 2020 World's Most Ethical Company® - Ethisphere Institute, February 2021.
See card details

Balance Transfer Fee

Either 3% of the amount of each transfer or $5 minimum, whichever is greater

Intro APR

0%* intro APR for 20 billing cycles on purchases and balance transfers*

Ongoing APR

14.49% - 24.49%* Variable APR

Intro Balance Transfer APR Period

20 Months

Annual Fee

$0*

Recommended Credit Score

720 - 850

Excellent - Excellent
See NerdWallet's pros & cons

VIEW RATES AND FEES

[object Object] card art

on Bank of America's website

Great for: Cost-Effective Balance Transfer

Securely with Bank of America

  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • 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
See card details

  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
See card details

Balance Transfer Fee

Either $10 or 3% of the amount of each transaction, whichever is greater.

Intro APR

0% intro APR for 12 billing cycles on purchases and on balance transfers made within 60 days of account opening

Ongoing APR

12.99% - 22.99% Variable APR

Intro Balance Transfer APR Period

12 billing cycles

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
[object Object] card art

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

Great for: Bonus Categories and First Year Cashback Match

Securely with Discover

  • INTRO OFFER: Unlimited Cashback Match – 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 each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • View Rates and Fees
See card details

  • INTRO OFFER: Unlimited Cashback Match – 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 each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
See card details

Balance Transfer Fee

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

Intro APR

0% intro APR for 14 months on purchases and balance transfers

Ongoing APR

11.99% - 22.99% Variable APR

Intro Balance Transfer APR Period

14 Months

Annual Fee

$0

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons

VIEW RATES AND FEES

[object Object] card art

on Wells Fargo's website

Great for: Cash sign-up bonus

Securely with Wells Fargo

  • Earn a $150 cash rewards bonus after spending $500 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.49% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • 1.8% cash rewards on digital wallet purchases including Google Pay™ or Apple Pay® during the first 12 months from account opening
  • $0 Annual Fee
  • 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 Wells Fargo Cash Wise Visa® card
  • No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • View Rates and Fees
See card details

  • Earn a $150 cash rewards bonus after spending $500 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
See card details

Balance Transfer Fee

3% intro for 120 days, then 5%

Intro APR

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

Ongoing APR

14.49% - 24.99% Variable APR

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

[object Object] card art

on Wells Fargo's website

Great for: Low Interest from Wells Fargo

Securely with Wells Fargo

  • 18 months of 0% intro APR from account opening on purchases and qualifying balance transfers; after that your variable APR will be 16.49% to 24.49%
  • $0 Annual Fee
  • 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 Wells Fargo Platinum card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • View Rates and Fees
See card details

  • 18 months of 0% intro APR from account opening on purchases and qualifying balance transfers; after that your variable APR will be 16.49% to 24.49%
  • $0 Annual Fee
See card details

Balance Transfer Fee

3% intro for 120 days, then 5%

Intro APR

0% intro APR for 18 months on purchases and qualifying balance transfers

Ongoing APR

16.49% - 24.49% 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