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Best Balance Transfer Credit Cards: Our 8 Top Picks of 2025

Review Updated
Brendan Byrnes
Author: Brendan Byrnes
Brendan Byrnes
Brendan Byrnes

Currently Managing Director of Motley Fool Money, Brendan has worked full-time for The Motley Fool since 2011. He has written hundreds of articles for The Motley Fool and provided analysis on TV outlets including CNBC and Fox. He holds a degree in finance from Virginia Tech.

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Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
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Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Terms may apply to offers listed on this page.

If you're looking to temporarily avoid interest on your existing credit card balances, a balance transfer card can be a game changer. By offering 0% introductory APR for a set period, these cards help you pay down debt faster without the burden of high interest rates. Best of all, every card on this list comes with no annual fee, so you can maximize your savings while working toward financial freedom.

  • Our team of experts reviewed over 260 credit cards
  • We evaluate all credit cards across the same 4 key criteria: value, welcome experience, fees, and perks
  • Our credit card ratings are never influenced by our advertising partners
  • If we wouldn't recommend an offer to a close family member, we won't recommend it to you

Top Picks: Balance Transfer Cards

Best for large balance transfers: Discover it® Chrome (rates and fees)

  • Get a 0% intro APR for 18 months on balance transfers -- 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*. (After the intro period, the go-to APR of 18.24% - 27.24% Variable APR applies.)

Best for purchases: Wells Fargo Active Cash® Card (rates and fees)

  • Take advantage of a 0% intro APR for 12 months from account opening on qualifying balance transfers (up to 5%, min: $5 balance transfer fee) and purchases, plus earn unlimited 2% cash rewards on all purchases. (After the intro period, the go-to APR of XX.XX%, XX.XX%, or XX.XX% Variable APR applies.)

Best balance transfer credit cards

Ratings Methodology
Unlimited Cash Back Match

Discover it® Chrome

Great for: Balance transfers and cash back

Apply Now for Discover it® Chrome

On Discover's Secure Website.

Rates & Fees External Link Icon

Discover it® Chrome
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Discover it® Chrome

On Discover's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 6 months

Balance Transfers: 0%, 18 months

Regular APR

18.24% - 27.24% Variable APR

Rewards Circle with letter I in it. 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically

1% - 2% Cashback

Annual Fee

$0

Welcome Offer

Discover will match all the cash back you’ve earned at the end of your first year.

  • The main draw of this Discover card is the balance transfer offer, which is one of the best we've come across. Unlike many balance transfer cards, it combines that with cash back rewards. But the cash back program doesn't measure up to what other cards offer. Read Full Review

    • Sign-up bonus offer
    • Gas and restaurants rewards
    • 0% intro APR
    • No annual fee
    • No foreign transaction fee
    • Low cash back rates
    • INTRO OFFER: Unlimited Cashback Match for all new cardmembers–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. Just a dollar-for-dollar match.
    • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
    • Get a 0% intro APR for 18 months on balance transfers. Then 18.24% to 27.24% Standard Variable APR applies, based on credit worthiness.
    • Redeem your rewards for cash at any time.
    • 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. Activate by mobile app for free.
    • No annual fee.
    • Terms and conditions apply.

This card is great for: Combining the perks of cash back rewards with a strong balance transfer offer.

With a 0% intro APR for 18 months on balance transfers (3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*) and 2% cash back at gas stations and restaurants, up to $1,000 in combined purchases each quarter, this card is designed to save you money while rewarding everyday spending. (After the intro period, the go-to APR of 18.24% - 27.24% Variable APR applies.)

Plus, Discover will match all the cash back you’ve earned at the end of your first year. This first-year bonus adds even more value to an already powerful package -- all with no annual fee.

Apply for Discover it® Chrome

Ratings Methodology
Award Icon 2025 Award Winner

Wells Fargo Reflect® Card

Great for: Long 0% intro APR

Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Wells Fargo Reflect® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 21 months from account opening

Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers

Regular APR

XX.XX%, XX.XX.%, or XX.XX% Variable APR thereafter

Rewards

N/A

Annual Fee

$0

Welcome Offer

N/A

  • This no-frills card is a solid choice if your priority is to avoid credit card interest for as long as possible. It offers an incredible intro APR. The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases, this card is hard to beat. Read Full Review

    • Long 0% intro APR offer
    • No annual fee
    • Cellphone protection
    • Free FICO® Score
    • Balance transfer fee
    • Foreign transaction fee
    • No rewards program
    • Apply Now to take advantage of this 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. XX.XX%, XX.XX%, or XX.XX% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
    • $0 Annual Fee.
    • Up to $600 of cell phone protection against damage or theft. 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.

This card is great for: Locking in one of the longest 0% intro APR periods available.

With a 0% intro APR for 21 months from account opening on qualifying balance transfers and purchases (5%, min: $5 balance transfer fee), the Wells Fargo Reflect® Card gives you nearly two years of interest-free breathing room. After the intro period, the go-to rate of XX.XX%, XX.XX.%, or XX.XX% Variable APR thereafter applies. Whether you're consolidating debt or managing new expenses, this card helps you pay down balances faster while avoiding interest.

Add in perks like cell phone protection and a $0 annual fee, and it's easy to see why it's a standout choice for balance transfer shoppers.

Apply for the Wells Fargo Reflect® Card

Ratings Methodology
Award Icon 2025 Award Winner

Wells Fargo Active Cash® Card

Great for: Unlimited cash back

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Wells Fargo Active Cash® Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular APR

XX.XX%, XX.XX%, or XX.XX% Variable APR

Rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

2% cash rewards

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

$200 cash rewards

  • This card’s unlimited 2% cash rewards on purchases is the highest we’ve seen for a flat-rate rewards card with no annual fee. It also has an incredibly easy-to-earn $200 welcome bonus and a decent intro APR offer. We simply haven’t come across this combination of top perks in one card before. Read Full Review

    • Unlimited 2% cash rewards
    • Long 0% intro APR offer
    • Generous cash rewards welcome bonus
    • No annual fee
    • Cellphone protections
    • No bonus categories
    • Foreign transaction fees
    • Balance transfer fee
    • Apply Now to take advantage of this 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 12 months from account opening on purchases and qualifying balance transfers. XX.XX%, XX.XX%, or XX.XX% 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.

This card is great for: Paying down balances while earning unlimited rewards.

With a 0% intro APR for 12 months from account opening on qualifying balance transfers and purchases (up to 5%, min: $5 balance transfer fee), the Wells Fargo Active Cash® Card offers flexibility for managing debt and new spending. After the intro period, the go-to rate of XX.XX%, XX.XX%, or XX.XX% Variable APR applies.

Plus, you'll earn unlimited 2% cash rewards on all purchases, making it a top choice for shoppers who want to combine debt repayment with ongoing value.

Add to that cell phone protection and a $0 annual fee, and you've got a powerful card for balance transfers and everyday spending alike.

Apply for the Wells Fargo Active Cash® Card

Ratings Methodology
Award Icon 2025 Award Winner

Citi Simplicity® Card

Great for: Long 0% intro APR

Apply Now for Citi Simplicity® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Citi Simplicity® Card
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Citi Simplicity® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 12 months on Purchases

Balance Transfers: 0%, 21 months on Balance Transfers

Regular APR

18.24% - 28.99% (Variable)

Rewards

N/A

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. 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).

Long intro balance transfer APR

  • This is one of our favorite cards for balance transfers. It has 0% intro APR for 21 months on balance transfers and a discounted balance transfer fee for the first four months. That combo makes it one of the most generous balance transfer offers we’ve seen. But it doesn't have much ongoing value after the intro 0% APR period ends. Read Full Review

    • Great intro APR
    • No annual fee
    • No late fees
    • No penalty APR
    • Choose your own payment date
    • No rewards
    • Foreign transaction fee
    • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
    • 0% Intro APR for 21 months on balance transfers and for 12 months on purchases; 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 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).
    • Stay protected with Citi® Quick Lock

This card is great for: Paying off debt with one of the longest 0% intro APR periods available.

This Citi card has a 0% intro APR for 21 months on Balance Transfers. 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). The Citi Simplicity® Card gives you ample time to pay down debt without worrying about interest. Plus, enjoy a 0% intro APR for 12 months on Purchases and the flexibility to choose your payment due date, making it easier to manage your finances. After the intro period, the go-to rate of 18.24% - 28.99% (Variable) applies.

Add in a $0 annual fee, and it's clear why this card is a go-to for those looking to consolidate debt and avoid interest for the long haul.

Apply for the Citi Simplicity® Card

Ratings Methodology

Citi Double Cash® Card

Great for: Balance transfers and cash back

Apply Now for Citi Double Cash® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Citi Double Cash® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Fair to Excellent (580-850)
Apply Now for Citi Double Cash® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Fair to Excellent (580-850)

Intro APR

Purchases: N/A

Balance Transfers: 0%, 18 months on Balance Transfers

Regular APR

18.24% - 28.24% (Variable)

Rewards Circle with letter I in it. 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, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.

2% cash back

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. 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.

$200

  • This card combines a top-notch balance transfer offer with best-in-class unlimited 2% cash back on purchases. There's no introductory APR for purchases, so you'll need to pay those off in full every month if you want to avoid interest charges. Read Full Review

    • High cash back
    • 0% intro APR balance transfer offer
    • No annual fee
    • Free credit score monitoring
    • Foreign transaction fee
    • No 0% intro APR on purchases
    • 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, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
    • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, 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).

This card is great for: Getting the best of both worlds -- paying off debt with 0% interest and earning unlimited cash back.

This card offers a 0% intro APR for 18 months on Balance Transfers. 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). After the intro period, the go-to rate of 18.24% - 28.24% (Variable) applies.

The Citi Double Cash® Card gives you nearly two years to pay down balances interest free. Plus, earn 2% cash back on all purchases -- 1% when you buy and 1% when you pay -- making it one of the top rewards cards available.

New cardholders also earn $200 cash back after spending just $1,500 in the first 6 months. With a $0 annual fee, this card is a solid choice for those seeking savings and rewards all in one.

Apply for Citi Double Cash® Card

Chase Freedom Flex®
Apply Now for Chase Freedom Flex®

On Chase's Secure Website.

Ratings Methodology

Chase Freedom Flex®

Great for: Rewards versatility

Apply Now for Chase Freedom Flex®

On Chase's Secure Website.

Chase Freedom Flex®
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Freedom Flex®

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR

19.49% - 28.24% Variable

Rewards Circle with letter I in it. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.

1% - 5% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$200 bonus

  • This Chase card is one of our favorites, and with good reason. You earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, alongside other standout perks (and at least 1% on all purchases). Plus, this one comes without an annual fee and with a generous welcome bonus. Read Full Review

    • Big sign-up bonus
    • Lucrative cash back program
    • Long 0% intro APR
    • No annual fee
    • Purchase and travel protections
    • Foreign transaction fee
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
    • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49%-28.24%.
    • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
    • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
    • Member FDIC

This card is great for: Combining balance transfers with valuable rewards.

This card has a 0% intro APR for 15 months on balance transfers. (Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then either $5 or 5% of the amount of each transfer, whichever is greater.) After the intro period, the go-to rate of 19.49% - 28.24% Variable applies.

The Chase Freedom Flex® gives you ample time to pay down debt interest free. Plus, earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 3% on dining and drugstores, and 1% on all other purchases, making it a top choice for those who want to earn rewards while managing debt.

New cardholders can also earn a $200 bonus after spending just $500 in the first 3 months. With a $0 annual fee, this card offers great value for both debt management and ongoing rewards.

Apply for Chase Freedom Flex®

Ratings Methodology

Bank of America® Customized Cash Rewards credit card

Great for: Rewards

Apply Now for Bank of America® Customized Cash Rewards credit card

On Bank of America's Secure Website.

Bank of America® Customized Cash Rewards credit card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Bank of America® Customized Cash Rewards credit card

On Bank of America's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular APR

18.24% - 28.24% (Variable)

Rewards Circle with letter I in it. 3% cash back in the category of your choice, 2% at at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, 1% on all other purchases.

1% - 3% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

$200 cash back

  • This card's wide range of extra cash back options speaks for itself, with a choice of six bonus categories you can change monthly for 3% earnings in the category of your choice. And you can earn 2% back automatically at grocery stores and wholesale clubs. No annual fee and a nice welcome bonus also make this one a winner. Plus, if you're a Bank of America Preferred Rewards member, this card will be even more valuable for you. Read Full Review

    • Competitive welcome bonus
    • Bonus cash back in a category of your choice
    • No annual fee
    • Great intro & transfer APR offer
    • Relationship rewards bonus
    • Foreign transaction fee
    • Limit on bonus cash back
    • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
    • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
    • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
    • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
    • No annual fee and cash rewards don’t expire as long as your account remains open.
    • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
    • 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.

This card is great for: Tailoring rewards to fit your spending habits while paying down debt.

With a 0% intro APR for 15 billing cycles on balance transfers (3% for 60 days from account opening, then 4%), the Bank of America® Customized Cash Rewards credit card gives you plenty of time to pay off balances interest free. After the intro period, the go-to rate of 18.24% - 28.24% (Variable) applies.

You'll also earn 3% cash back in the category of your choice like gas, online shopping, dining, or drugstores, plus 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.

Add in a $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days and $0 annual fee, and you have a fantastic card for both managing debt and earning rewards.

Apply for Bank of America® Customized Cash Rewards credit card

Ratings Methodology

U.S. Bank Visa® Platinum Card

Great for: Balance transfers and purchases

Read Review
U.S. Bank Visa® Platinum Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Read Review
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% on purchases and balance transfers for the first 21 billing cycles on purchases billing cycles, and after that 18.24% - 29.24% (Variable).

Purchases: 0%, 21 billing cycles on purchases

Balance Transfers: 0%, 21 billing cycles

Regular APR

18.24% - 29.24% (Variable)

Rewards

N/A

Annual Fee

N/A

Welcome Offer

N/A

  • Got a big purchase to finance over time? Consider this U.S. Bank card, as it'll give you a whopping 21 billing cycles of 0% APR on purchases. This also goes for balance transfers, making this one a great fit if you have some existing debt to pay off. It also comes without an annual fee.

    • Long 0% intro APR offer
    • No annual fee
    • Cellphone protection
    • Free credit score monitoring
    • No rewards
    • High balance transfer fee
    • Foreign transaction fee
    • For a limited time, 0% Intro APR on purchases and balance transfers for 21 billing cycles. After that, a variable APR currently 18.24% - 29.24%.
    • 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.
U.S. Bank Visa® Platinum Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

This card is great for: Focusing solely on paying down large balances with no distractions.

With a 0% intro APR for 21 billing cycles on balance transfers (5% of each transfer amount, $5 minimum), the U.S. Bank Visa® Platinum Card offers one of the longest interest-free periods available. Whether you're consolidating debt or managing a large purchase, this card gives you nearly two years of financial flexibility to pay off your balance without accruing interest.

Plus, with no annual fee, it's an ideal choice for anyone looking to simplify their finances and save on interest.

Read our review of the U.S. Bank Visa® Platinum Card here.

Expert insights on balance transfer cards
Image of reviewer

Despite the Federal Reserve recently cutting rates, the interest rates on credit cards are still near all-time highs. By transferring an existing balance to a new card, you may benefit from 0% interest for a certain period of months.

Furthermore, you may be eligible for rewards, such as cash back, that you’re not receiving (or at least maximizing) with your current card. Start by looking at the highest-rated card that provides the best collection of rewards for you.

-Robert Brokamp, Certified Financial Planner® and Senior Advisor at The Motley Fool

What is a balance transfer credit card?

A balance transfer credit card is a type of credit card that allows you to move high-interest debt from one or more credit cards or loans to a new card, often at a lower interest rate, sometimes even 0% for an introductory period. The main benefit is that it gives you time to pay down your balance without the burden of high interest, helping you save money in the long run.

These cards typically charge a balance transfer fee (usually 3% to 5% of the amount transferred), and the 0% APR offer is usually good for a set period, such as 12 to 21 months. After that, the standard interest rate will apply.

Looking for more information about the balance transfer process? Check out our guide on how to do a balance transfer here.

Why choose a balance transfer card?

Choosing a balance transfer credit card over other debt repayment methods can offer several advantages.

Lower or 0% interest rates

The main draw is the introductory 0% APR on balance transfers, which can save you a significant amount on interest charges, especially compared to high-interest credit cards or personal loans. This allows more of your payments to go toward the principal, accelerating your debt payoff.

For example, we calculate that you could save $1,863 on interest alone if planning to pay down $10,000 of high-interest credit card debt with a balance transfer card that offers 0% intro APR on balance transfers for 18 months. Here's how that breaks out.

Use our balance transfer calculator to determine if a balance transfer card can actually help you save money on high interest fees.

DEBT BALANCE SCENARIO MONTHLY PAYMENT APR FOR BALANCE TRANSFERS INTEREST CHARGES MONTHS TO PAY OFF
$10,000, promo APR $556 0% $0 18
$10,000, no promo APR $556 19% on all balances $1,863 22
Data source: Author's calculations. *Actual card APR may vary from 19%.

Consolidation

A balance transfer card can help consolidate multiple credit card balances into one, simplifying your payments and potentially reducing the risk of missed payments. Managing one payment is less stressful than juggling several accounts with varying due dates and interest rates.

Flexible repayment terms

Many balance transfer cards offer a long 0% APR period, sometimes 12 to 21 months, giving you time to pay off your debt without accumulating high interest charges. This can be more manageable than personal loans with fixed repayment periods and higher interest rates.

No collateral required

Unlike home equity loans or personal loans, balance transfer cards do not require you to pledge assets (like your home) as collateral, making them less risky in that sense.

Improved credit score

If you manage to pay off your balance within the 0% intro period, you can improve your credit score by reducing your debt-to-credit ratio and avoiding late payments.

However, it's important to be mindful of the balance transfer fee (typically 3%-5%) and the fact that if you don't pay off the balance within the introductory period, the remaining balance will be subject to the standard high APR.

How to choose the best balance transfer card for your situation

When choosing the best balance transfer credit card for your situation, consider these five key factors to ensure you're maximizing savings and aligning with your financial goals.

1. Introductory 0% APR period

The length of the introductory 0% APR offer is one of the most important factors. A longer 0% APR period, such as 12 to 21 months, gives you more time to pay off your debt without accruing interest. However, it's crucial to also look at the regular APR after this period ends to avoid being hit with high interest if you're unable to pay off the full balance in time.

2. Balance transfer fees

Most balance transfer cards charge a fee, typically 3%-5% of the amount transferred. While these fees can add up, they may still be worthwhile if the interest savings from the 0% APR outweigh the cost of the fee. Keep an eye out for promotions offering 0% APR with no balance transfer fee, which can be especially advantageous.

3. Credit limit

Ensure the card's credit limit is high enough to cover your balance transfer needs. If the credit limit is too low, you may not be able to transfer the full amount of your debt, limiting the effectiveness of the card. Look for cards with higher credit limits or the possibility of requesting an increase after approval.

4. Repayment strategy and terms

Consider how long you'll need to pay off the transferred balance. If you're confident you can pay it off within the introductory period, the card will likely save you money. However, if you anticipate needing more time, look for a card with a longer 0% APR period. Also, be cautious of using the card for new purchases, as they may carry higher interest rates.

5. Additional fees and perks

Some balance transfer cards charge annual fees or late payment fees, so it's important to choose a card with minimal extra costs. Additionally, some cards offer rewards programs or cash back, which can add value if you plan to use the card for other purchases. However, it's essential to prioritize the balance transfer benefit and avoid overspending, as the high interest rates on new purchases could negate the rewards.

By focusing on these five factors -- introductory APR period, transfer fees, credit limit, repayment strategy, and additional fees and perks -- you can make a well-informed decision and choose a balance transfer credit card that suits your financial situation and helps you pay off debt more efficiently.

Balance transfer fees and how to maximize savings

When shopping for a balance transfer card, it's crucial to factor in the balance transfer fee, which typically ranges from 3% to 5% of the amount transferred. While this fee might seem like an added cost, it's important to consider whether the savings from the 0% intro APR outweigh the upfront fee.

To maximize savings, aim to pay off your balance before the 0% APR period ends, as this will allow you to avoid interest charges, making the fee less of a burden. Calculate the fee against your debt and compare how much interest you'd pay on your current card to help determine whether a balance transfer is worth it.

Compare balance transfer credit cards

The Picks
Card Rating Great For
Graphic of Discover it® Chrome
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Balance transfers and cash back
Award Icon 2025 Award Winner
Graphic of Wells Fargo Reflect® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Long 0% intro APR
Award Icon 2025 Award Winner
Graphic of Wells Fargo Active Cash® Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Unlimited cash back
Award Icon 2025 Award Winner
Graphic of Citi Simplicity® Card
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Long 0% intro APR
Graphic of Citi Double Cash® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Balance transfers and cash back
Graphic of Chase Freedom Flex®
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Rewards versatility
Graphic of Bank of America® Customized Cash Rewards credit card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Rewards
Graphic of U.S. Bank Visa® Platinum Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Balance transfers and purchases
U.S. Bank Visa® Platinum Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

By planning ahead and choosing the right card, you can make the most of the 0% APR offer and minimize the impact of the transfer fee.

Our credit card methodology

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers.

Our highest-rated credit cards have:

  • ​​A rewards rate above 2% (or 2x points or miles) with average spending, or competitive 0% intro APR balance transfer and purchase offers
  • Attainable welcome bonuses that make up for any annual fees
  • Low annual fees or a balance transfer fee of 3%
  • Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

FAQs

  • After the introductory APR period ends, the go-to standard interest rate on your balance transfer card will apply. This rate can be significantly higher than the introductory APR, often ranging from 15% to 29%, depending on the card.

    To avoid paying high interest, aim to pay off your transferred balance before the intro period expires. If you don't, you'll begin accruing interest at the new rate on any remaining balance.

  • You should keep your balance transfer card until your debt is paid off or until the introductory APR period expires. Ideally, aim to pay off your balance within the intro period to avoid paying interest. After that, if you no longer need the card, consider closing it or keeping it for occasional use.

    Be cautious with canceling a card, as it could affect your credit score if it reduces your available credit.

  • Yes, many balance transfer cards allow you to transfer balances from multiple cards. However, there may be limits to how much you can transfer, either in total or per card. Be sure to check the specific terms of the card you're interested in, and remember that you may be charged a fee for each balance transfer, which can add up if you transfer from several accounts.

    • Waiting too long to pay off the balance: If you don't pay off your transferred balance before the intro APR period ends, you'll be charged high interest on the remaining balance.
    • Accumulating new debt: If you're carrying a balance transfer, but don't also have a 0% intro APR promotion for purchases, then you could be charged interest on new purchases from the moment you swipe your card -- even before your monthly payment is due. If you want to make a purchase (but are carrying a balance) be sure the card you're interested in has 0% intro APR on purchases.
    • Missing payments: Missing a payment can cause your interest rate to increase or even void the introductory APR offer, making it harder to pay off your debt.

  • To apply for a balance transfer card, you typically need a good to excellent credit score. The application process is straightforward:

    1. Choose the card that fits your needs from our expert picks above.
    2. Gather required information such as your income, Social Security number, and details of the balance you wish to transfer.
    3. Submit your application online, by phone, or in person.
    4. Once approved, follow the instructions for transferring your balances to the new card. Be aware of any fees involved, and make sure you can pay off the balance before the intro APR period ends.

  • Most issuers won't allow balance transfers between cards at their institution. When choosing a card, make sure it is from a different issuer than the card whose balance you want to transfer.