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8 Excellent Balance Transfer Credit Cards of 2022
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.
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NerdWallet's Excellent Balance Transfer Credit Cards of 2022
Discover it® Balance Transfer: Best for Balance Transfers and Bonus Categories
BankAmericard® credit card: Best for Cost-Effective Balance Transfer
Citi Double Cash® Card: Best for Flat Rate Cash Back
U.S. Bank Visa® Platinum Card: Best for Long 0% period for transfers and purchases
Citi® Diamond Preferred® Card: Best for Long 0% interest periods for balance transfers
Citi Simplicity® Card: Best for Long 0% Period and No Late Fees
Wells Fargo Reflect® Card: Best for Long 0% Period for Transfers and Purchases
Wells Fargo Active Cash® Card: Best for Cash Back — High Flat Rate + Incentives
Excellent Balance Transfer Credit Cards From Our Partners
Credit card | NerdWallet rating | Annual fee | Intro APR | Regular APR | Learn more |
|---|---|---|---|---|---|
| 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 | |
| Excellent for Cost-Effective Balance Transfer | $0 | 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 16.24%-26.24% will apply. | 16.24%-26.24% Variable APR | Apply Now on Bank of America's website on Bank of America's website | |
| 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 | |
| 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 | Apply Now on US Bank's website on US Bank's website | |
| 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 | Apply Now on Citibank's application on Citibank's application | |
| 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 | Apply Now on Citibank's application on Citibank's application | |
| 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 | Apply Now on Wells Fargo's website on Wells Fargo's website | |
| 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 | Apply Now on Wells Fargo's website on Wells Fargo's website |
Excellent for: Balance Transfers and Bonus Categories
Apply Now
on Discover's website
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
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 you shop each quarter like grocery stores, restaurants, gas stations, and more, 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.
- Terms and conditions apply.
- View Rates & Fees
Apply Now
on Discover's website
on Discover's website
Excellent for: Cost-Effective Balance Transfer
Apply Now
on Bank of America's website
on Bank of America's website
Annual fee
$0
Intro APR
0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 16.24%-26.24% will apply.
Regular APR
16.24%-26.24% Variable APR
Recommended Credit Score
- 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, 16.24% - 26.24% Variable APR will apply. A 3% fee 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
on Bank of America's website
Excellent for: Flat Rate Cash Back
Apply Now
on Citibank's application
on Citibank's application
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
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 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. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- 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).
- View Rates & Fees
Apply Now
on Citibank's application
on Citibank's application
Excellent for: Long 0% period for transfers and purchases
Apply Now
on US Bank's website
on US Bank's website
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
- 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
Apply Now
on US Bank's website
on US Bank's website
Excellent for: Long 0% interest periods for balance transfers
Apply Now
on Citibank's application
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
18.24%-28.99% 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 18.24% - 28.99%, 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.
- No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
- View Rates & Fees
Apply Now
on Citibank's application
on Citibank's application
Excellent for: Long 0% Period and No Late Fees
Apply Now
on Citibank's application
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
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
Apply Now
on Citibank's application
on Citibank's application
Excellent for: Long 0% Period for Transfers and Purchases
Apply Now
on Wells Fargo's website
on Wells Fargo's website
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
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 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.
- View Rates & Fees
Apply Now
on Wells Fargo's website
on Wells Fargo's website
Excellent for: Cash Back — High Flat Rate + Incentives
Apply Now
on Wells Fargo's website
on Wells Fargo's website
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
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 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. 20.24%, 25.24%, or 29.99% Variable APR thereafter; 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.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- View Rates & Fees
Apply Now
on Wells Fargo's website
on Wells Fargo's website
