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3 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.
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.
Excellent for
Flat Rate Cash Back
on Citibank's application
on Citibank's application
Annual Fee
$0
Regular APR
13.99% - 23.99% Variable APR
Intro APR
0% intro APR on Balance Transfers for 18 months
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 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.
- 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- 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.
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 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.
- 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- 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.
on Citibank's application
Pros
- High rewards rate
- No annual fee
- Intro APR period on Balance Transfers
Cons
- No sign-up bonus
- No 0% APR for purchases
- $25 minimum redemption
Excellent for
Long 0% interest periods for balance transfers
on Citibank's application
on Citibank's application
Annual Fee
$0
Regular APR
14.74% - 24.74% Variable APR
Intro APR
0% intro APR on Purchases and Balance Transfers for 18 months
Recommended Credit Score
- 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, 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 3% 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 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
on Citibank's application
- 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, 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 3% 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 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
on Citibank's application
Pros
- No annual fee
- 0% for 18 months on transfers if you qualify
Cons
- No rewards
Excellent for
Long 0% period for transfers and purchases
on US Bank's website
on US Bank's website
Annual Fee
$0*
Regular APR
13.99% - 23.99%* Variable APR
Intro APR
0%* intro APR for 20 billing cycles on purchases and balance transfers
Recommended Credit Score
- 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 13.99% - 23.99%.
- Great offer from U.S. Bank, a 2020 World's Most Ethical Company® - Ethisphere Institute, February 2020.
- 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 and Fees
on US Bank's website
- 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 13.99% - 23.99%.
- Great offer from U.S. Bank, a 2020 World's Most Ethical Company® - Ethisphere Institute, February 2020.
- 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 and Fees
on US Bank's website
Pros
- No annual fee
- Intro APR period on Purchases and Balance Transfers
- Cell phone insurance
Cons
- No rewards
- Foreign transaction fee
| Credit Card | NerdWallet Rating | Intro APR | Regular APR | Annual Fee | Learn More |
|---|---|---|---|---|---|
Excellent for Flat Rate Cash Back | 0% intro APR on Balance Transfers for 18 months | 13.99% - 23.99% Variable APR | $0 | on Citibank's application | |
Excellent for Long 0% interest periods for balance transfers | 0% intro APR on Purchases and Balance Transfers for 18 months | 14.74% - 24.74% Variable APR | $0 | on Citibank's application | |
Excellent for Long 0% period for transfers and purchases | 0%* intro APR for 20 billing cycles on purchases and balance transfers | 13.99% - 23.99%* Variable APR | $0* | on US Bank's website |
