CREDIT CARDSCREDIT CARDSEXCELLENT BALANCE TRANSFER CREDIT CARDS OF 2021
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6 Excellent Balance Transfer Credit Cards of 2021

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Based on NerdWallet’s estimate of the average credit card interest rate, the average household debt, and the total interest paid on the balance over 18 months. Savings estimate assumes total debt balance is repaid within 0% intro APR period.

NerdWallet's Excellent Balance Transfer Credit Cards of 2021

Excellent Balance Transfer Credit Cards From Our Partners

Credit card
NerdWallet rating
Annual feeIntro APRRegular APR
Learn more
Citi Double Cash® Card Image
Citi Double Cash® Card
Apply Now
on Citibank's application
on Citibank's application
Rates & Fees
4.9/5
Excellent for Flat Rate Cash Back

$0

0% intro APR on Balance Transfers for 18 months

19.24%-29.24% Variable APR

Apply Now
on Citibank's application
on Citibank's application
Citi® Diamond Preferred® Card Image
Citi® Diamond Preferred® Card
Excellent for Long 0% interest periods for balance transfers

$0

0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases

18.24%-28.99% Variable APR

Discover it® Cash Back Image
Discover it® Cash Back
Apply Now
on Discover's website,
on Discover's website, or call 800-347-0264
Excellent for Bonus Categories and First Year Cashback Match

$0

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

17.24%-28.24% Variable APR

U.S. Bank Visa® Platinum Card Image
U.S. Bank Visa® Platinum Card
Excellent for Long 0% period for transfers and purchases

$0

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

18.74%-29.74% Variable APR

Bank of America® Customized Cash Rewards credit card Image
Bank of America® Customized Cash Rewards credit card
Apply Now
on Bank of America's website,
on Bank of America's website, or call (877) 754-6706
Excellent for Customizable rewards

$0

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

18.24%-28.24% Variable APR

Apply Now
on Bank of America's website,
on Bank of America's website, or call (877) 754-6706
BankAmericard® credit card Image
BankAmericard® credit card
Apply Now
on Bank of America's website,
on Bank of America's website, or call (800) 322-7707
Excellent for 0% intro APR and no annual fee

$0

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

16.24%-26.24% Variable APR

Apply Now
on Bank of America's website,
on Bank of America's website, or call (800) 322-7707

Excellent for: Flat Rate Cash Back

Citi Double Cash® Card card image
Citi Double Cash® Card
4.9
NerdWallet rating
Annual fee
$0
Intro APR
0% intro APR on Balance Transfers for 18 months
Regular APR
19.24%-29.24% Variable APR
Recommended Credit Score

Excellent for: Long 0% interest periods for balance transfers

Citi® Diamond Preferred® Card card image
4.4
Annual fee
$0
Intro APR
0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases
Regular APR
18.24%-28.99% Variable APR
Recommended Credit Score

Excellent for: Bonus Categories and First Year Cashback Match

Annual fee
$0
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Regular APR
17.24%-28.24% Variable APR
Recommended Credit Score

Excellent for: Long 0% period for transfers and purchases

Annual fee
$0
Intro APR
0% intro APR for 18 billing cycles on purchases and balance transfers
Regular APR
18.74%-29.74% Variable APR
Recommended Credit Score
Apply Now
on Bank of America's website,
on Bank of America's website, or call (877) 754-6706
Annual fee
$0
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
Regular APR
18.24%-28.24% Variable APR
Recommended Credit Score

Excellent for: 0% intro APR and no annual fee

Apply Now
on Bank of America's website,
on Bank of America's website, or call (800) 322-7707
Annual fee
$0
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
Regular APR
16.24%-26.24% Variable APR
Recommended Credit Score
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