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

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 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
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
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
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
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
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

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

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

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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