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7 Excellent Balance Transfer Credit Cards of 2021

Get a card with an intro 0% APR offer and pay off your debt faster. Compare these deals, some of which are from our partners, to find the one for you.

NerdWallet's Excellent Balance Transfer Credit Cards of 2021

Excellent for

Flat Rate Cash Back

Apply now

on Citibank's application

Citi® Double Cash Card – 18 month BT offer

5.0

NerdWallet rating 
Apply now

on Citibank's application

Annual fee

$0

Intro APR

0% intro APR on Balance Transfers for 18 months

Regular APR

13.99%-23.99% 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 13.99% – 23.99%, 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).

  • 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.

Apply Now

on Citibank's application

  • 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 13.99% – 23.99%, 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).

  • 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.

Apply Now

on Citibank's application

Pros

  • No annual fee

  • High rewards rate

  • Intro balance transfer fee

Cons

  • Requires good/excellent credit

  • No bonus offer

  • No bonus categories

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Excellent for

Cost-Effective Balance Transfer

Apply now

on Bank of America's website, or call 800-322-7707

BankAmericard® credit card

4.9

NerdWallet rating 
Apply now

on Bank of America's website, or call 800-322-7707

Annual fee

$0

Intro APR

0% intro APR for 18 billing cycles on purchases and on any balance transfers made within 60 days of account opening

Regular APR

12.99%-22.99% Variable APR

Recommended Credit Score
  • New Offer! $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.

  • 0% Introductory APR for 18 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

  • 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.

Apply Now

on Bank of America's website, or call 800-322-7707

Pros

  • No annual fee

  • Intro APR period

  • New cardholder bonus offer

Cons

  • Requires good/excellent credit

  • No ongoing rewards

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Excellent for

Long 0% interest periods for balance transfers

Apply now

on Citibank's application

Citi® Diamond Preferred® Card

4.8

NerdWallet rating 
Apply now

on Citibank's application

Annual fee

$0

Intro APR

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

Regular APR

13.74%-23.74% Variable APR

Recommended Credit Score
  • 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 13.74% - 23.74%, 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 5% 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 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Apply Now

on Citibank's application

Pros

  • No annual fee

  • Intro APR period

  • Intro balance transfer fee

Cons

  • Requires good/excellent credit

  • No rewards

Read full review

Excellent for

Balance Transfers and Bonus Categories

Apply now

on Discover's website

Discover it® Balance Transfer

4.7

NerdWallet rating 
Apply now

on Discover's website

Annual fee

$0

Intro APR

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

Regular APR

11.99%-22.99% 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, 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.

  • 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.

  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

  • View Rates & Fees
Apply Now

on Discover's website

Pros

  • No annual fee

  • Intro APR period

  • Bonus categories

  • Cash rewards

Cons

  • Requires good/excellent credit

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Excellent for

Long 0% period for transfers and purchases

Apply now

on US Bank's website

U.S. Bank Visa® Platinum Card

5.0

NerdWallet rating 
Apply now

on US Bank's website

Annual fee

$0*

Intro APR

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

Regular APR

14.49%-24.49%* Variable APR

Recommended Credit Score
  • 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 2021 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 & Fees
Apply Now

on US Bank's website

Pros

  • No annual fee

  • Intro APR period

  • Cell phone insurance

Cons

  • No rewards

  • Requires good/excellent credit

  • No bonus offer

Read full review

Excellent for

Cash-Back Pairing with Chase Sapphire Preferred®

Apply now

on Chase's website

Chase Freedom Unlimited®

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Intro APR

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

Regular APR

14.99%-24.74% Variable APR

Recommended Credit Score
  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

  • 3% cash back on dining at restaurants, including takeout and eligible delivery services

  • 3% cash back on drugstore purchases

  • 5% on travel purchased through Chase Ultimate Rewards®

  • Unlimited 1.5% cash back on all other purchases

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99 - 24.74%.

  • No annual fee

Apply Now

on Chase's website

Pros

  • No annual fee

  • Intro APR period

  • High rewards rate

  • No minimum redemption amount

Cons

  • Requires good/excellent credit

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Excellent for

Customizable rewards

Apply now

on Bank of America's website, or call 877-754-6706

Bank of America® Customized Cash Rewards credit card

4.5

NerdWallet rating 
Apply now

on Bank of America's website, or call 877-754-6706

Annual fee

$0

Intro APR

0% intro APR for 15 billing cycles on purchases and on any balance transfers made within 60 days of account opening

Regular APR

13.99%-23.99% Variable APR

Recommended Credit Score
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases

  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.

  • No annual fee and no expiration on rewards

  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.

  • 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.

Apply Now

on Bank of America's website, or call 877-754-6706

Pros

  • No annual fee

  • New cardholder bonus offer

  • Intro APR period

  • Rotating bonus categories

  • Relationship rewards for customers

Cons

  • Requires good/excellent credit

  • Complicated rewards

  • Spending caps on bonus rewards

  • Best rewards limited to certain customers

Read full review