CREDIT CARDSCREDIT CARDSEXCELLENT BALANCE TRANSFER CREDIT CARDS OF 2022
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5 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

  • Wells Fargo Active Cash® Card: Best for High Flat Rate Cash Back + Incentives

  • 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

  • Discover it® Balance Transfer: Best for Balance Transfers and Bonus Categories

  • Citi Double Cash® Card: Best for Flat Rate Cash Back

Excellent Balance Transfer Credit Cards From Our Partners

Credit card
NerdWallet rating
Annual feeIntro APRRegular APR
Learn more
Wells Fargo Active Cash® Card Image
Wells Fargo Active Cash® Card
Apply Now
on Wells Fargo's website
on Wells Fargo's website
Rates & Fees
5.0/5
Excellent for High Flat Rate Cash Back + 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
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

Discover it® Balance Transfer Image
Discover it® Balance Transfer
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

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

Excellent for: High Flat Rate Cash Back + Incentives

Wells Fargo Active Cash® Card card image
Wells Fargo Active Cash® Card
5.0
NerdWallet rating
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

Excellent for: Long 0% Interest Periods for Balance Transfers

Citi® Diamond Preferred® Card card image
4.4
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: Balance Transfers and Bonus Categories

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: 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
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