7 Excellent Balance Transfer Credit Cards of 2022

on Discover's website

Annual fee

Intro APR

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

Regular APR

17.24%-28.24% Variable APR

Recommended Credit Score

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, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
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.
Every $1 you earn in cash back is $1 you can redeem.
No annual fee.
Click through to Discover’s website to see terms and conditions.
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on Discover's website

Excellent for: Flat Rate Cash Back

Citi® Double Cash Card

4.6

Annual fee

Intro APR

0% intro APR on Balance Transfers for 18 months

Regular APR

19.24%-29.24% Variable APR

Recommended Credit Score

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 Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, 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).
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U.S. Bank Visa® Platinum Card

Excellent for: Long 0% period for transfers and purchases

4.5

Annual fee

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

0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.74% - 29.74%.
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 & Fees

on US Bank's website

Excellent for: Long 0% Period and No Late Fees

Citi Simplicity® Card

4.5

Annual fee

Intro APR

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

Regular APR

19.24%-29.99% Variable APR

Recommended Credit Score

No Late Fees, No Penalty Rate, and No Annual Fee... Ever
0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balance transfers completed within 4 months of account opening.
Stay protected with Citi® Quick Lock
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Wells Fargo Reflect® Card

Excellent for: Long 0% Period for Transfers and Purchases

4.5

Annual fee

Intro APR

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Regular APR

18.24%, 24.74%, or 29.99% Variable APR

Recommended Credit Score

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
$0 Annual Fee
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Select “Apply Now” to learn more about the product features, terms and conditions
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Wells Fargo Active Cash® Card

Excellent for: Cash Back — High Flat Rate + Incentives

5.0

Annual fee

Intro APR

0% intro APR on Purchases for 15 months from account opening and 0% intro APR on Balance Transfers for 15 months from account opening on qualifying balance transfers

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Recommended Credit Score

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 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR; 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
Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
Select “Apply Now” to learn more about the product features, terms and conditions
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