CREDIT CARDSCREDIT CARDSEXCELLENT BALANCE TRANSFER CREDIT CARDS OF 2022
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8 Excellent Balance Transfer Credit Cards of 2022

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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 2022

Excellent Balance Transfer Credit Cards From Our Partners

Credit card
NerdWallet rating
Annual feeIntro APRRegular APR
Learn more
Discover it® Balance Transfer Image
Discover it® Balance Transfer
Apply Now
on Discover's website
on Discover's website
Rates & Fees
4.9/5
Excellent for Balance Transfers and Bonus Categories

$0

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

17.24%-28.24% Variable APR

Apply Now
on Discover's website
on Discover's website
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 Cost-Effective Balance Transfer

$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
Citi Double Cash® Card Image
Citi Double Cash® Card
Excellent for Flat Rate Cash Back

$0

0% intro APR on Balance Transfers for 18 months

19.24%-29.24% 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

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

Citi Simplicity® Card Image
Citi Simplicity® Card
Excellent for Long 0% Period and No Late Fees

$0

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

19.24%-29.99% Variable APR

Wells Fargo Reflect® Card Image
Wells Fargo Reflect® Card
Excellent for Long 0% Period for Transfers and Purchases

$0

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

18.24%, 24.74%, or 29.99% Variable APR

Wells Fargo Active Cash® Card Image
Wells Fargo Active Cash® Card
Excellent for Cash Back — High Flat Rate + Incentives

$0

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

20.24%, 25.24%, or 29.99% Variable APR

Excellent for: Balance Transfers and Bonus Categories

Discover it® Balance Transfer card image
Discover it® Balance Transfer
4.9
NerdWallet rating
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
17.24%-28.24% Variable APR
Recommended Credit Score

Excellent for: Cost-Effective Balance Transfer

BankAmericard® credit card card image
4.6
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

Excellent for: Flat Rate Cash Back

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% 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

Excellent for: Long 0% interest periods for balance transfers

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: Long 0% Period and No Late Fees

Annual fee
$0
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

Excellent for: Long 0% Period for Transfers and Purchases

Annual fee
$0
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

Excellent for: Cash Back — High Flat Rate + Incentives

Annual fee
$0
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
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