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Credit Cards

Best Balance Transfer Credit Cards of 2026

Compare the top balance transfer credit cards with 0% intro APR offers. Find the best card to pay off debt faster and save on interest charges.

5 products reviewedUpdated March 2026
Editor's Pick
#1

Citi Simplicity Card

4.8
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Best for: Longest 0% APR period

Pros

  • 21-month 0% intro APR on balance transfers
  • No late fees ever
  • No annual fee

Cons

  • No rewards program
  • 3% balance transfer fee
  • Foreign transaction fees apply
#2

Wells Fargo Reflect Card

4.6
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Best for: Extended intro APR with cell phone protection

Pros

  • Up to 21 months at 0% intro APR
  • Cell phone protection included
  • No annual fee

Cons

  • No rewards on purchases
  • Requires good credit (670+)
  • 3% balance transfer fee
#3

BankAmericard Credit Card

4.4
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Best for: Existing Bank of America customers

Pros

  • 18 billing cycles at 0% intro APR
  • No annual fee
  • Access to Bank of America tools

Cons

  • No rewards program
  • 3% balance transfer fee
  • Higher ongoing APR after intro period
#4

U.S. Bank Visa Platinum Card

4.3
Apply Now
Best for: Long intro period with cell phone perk

Pros

  • 20 billing cycles at 0% intro APR
  • Cell phone protection
  • No annual fee

Cons

  • No rewards
  • 3% balance transfer fee
  • Must transfer within 60 days of opening
#5

Discover it Balance Transfer

4.5
Check Eligibility
Best for: Combining balance transfer with cashback rewards

Pros

  • 15 months 0% intro APR on transfers
  • Cashback match in first year
  • No annual fee

Cons

  • Shorter intro period than competitors
  • 3% intro balance transfer fee
  • Limited acceptance outside the US

Crunch the numbers yourself

Use our free Credit Card Payoff Calculator to analyze your own situation and make the best decision.

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Frequently Asked Questions

How does a balance transfer credit card work?

A balance transfer card lets you move existing debt from one card to a new card with a lower or 0% introductory APR. You typically pay a 3-5% transfer fee, then enjoy months of interest-free payments to pay down your principal faster.

What credit score do I need for a balance transfer card?

Most balance transfer cards with the best 0% APR offers require good to excellent credit (670+). Some cards for fair credit exist but usually have shorter intro periods and higher ongoing APRs.

Can I transfer a balance from one card to the same issuer?

Generally no. Most issuers do not allow balance transfers between their own cards. You need to transfer to a card from a different bank or credit card issuer.

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