Balance Transfer Credit Cards
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A balance transfer means that people can transfer from one credit card of the balance to another with a lower rate. As its name suggests, the balance transfer credit card is a credit card used to avoid the higher interest fee for consumers to make the balance transfer. Different credit cards require different balance transfer fee which is the charge used for transferring the balance from one credit card to another. However, some balance transfer cards don’t need the transfer fees. In the long term, the balance transfer absolutely will improve your credit. Besides, it’s a good idea to transfer the credit card balance when you’ve been bothered by the card debt or you have to pay the minimum monthly amount. Scroll down to find your perfect balance transfer credit card.
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Card Name
BankAmericard® Credit Card
Purchases Intro APR
See Terms for 15 billing cycles
Balance Transfers Intro APR
See Terms for 15 billing cycles
Regular APR
See Terms
Annual Fee
$0
Credit Needed
Good, Excellent
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Card Name
Citi Simplicity® Card
Purchases Intro APR
0%* for 21 months*
Balance Transfers Intro APR
0%* for 21 months*
Regular APR
14.49% - 24.49% (Variable)
Annual Fee
$0*
Credit Needed
Good, Excellent
Card Name
Barclaycard Ring™ Mastercard®
Purchases Intro APR
0% for 15 months
Balance Transfers Intro APR
0% for 15 months (on balance transfers made within 45 days of account opening)
Regular APR
13.74% Variable
Annual Fee
$0
Credit Needed
Excellent
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Card Name
Citi® Diamond Preferred® Card
Purchases Intro APR
0%* for 21 months*
Balance Transfers Intro APR
0%* for 21 months*
Regular APR
13.49% - 23.49%* (Variable)
Annual Fee
$0*
Credit Needed
Good, Excellent
Card Name
Chase Slate® Credit Card
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
15.74%–24.49%
Annual Fee
$0
Credit Needed
Good, Excellent
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Card Name
Chase Freedom Unlimited®
Purchases Intro APR
0% Intro APR on Purchases for 15 months
Balance Transfers Intro APR
0% Intro APR on Balance Transfers for 15 months
Regular APR
18.49% - 27.99% Variable
Annual Fee
$0
Credit Needed
670-850 (Good to Excellent)
Purchases Intro APR
0% on purchases for 15 months
Balance Transfers Intro APR
0% on balance transfers for 15 months
Regular APR
19.74%-28.74% Variable
Annual Fee
$0
Credit Needed
Good to Excellent
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Card Name
Wells Fargo Active Cash® Card
Purchases Intro APR
0% intro APR for 12 months from account opening on purchases
Balance Transfers Intro APR
0% intro APR for 12 months from account opening on qualifying balance transfers
Regular APR
18.74%, 24.74%, or 28.74% Variable APR
Annual Fee
$0
Credit Needed
670-850 (Good to Excellent)
Card Name
Citi Double Cash® Card
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% intro for 18 months on Balance Transfers
Regular APR
17.74% - 27.74% (Variable)
Annual Fee
$0
Credit Needed
670-850 (Good to Excellent)
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Card Name
Wells Fargo Reflect® Card
Purchases Intro APR
0% intro APR for 21 months from account opening on purchases
Balance Transfers Intro APR
0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR
17.74%, 24.24%, or 28.49% Variable APR
Annual Fee
$0
Credit Needed
670-850 (Good to Excellent)
Purchases Intro APR
0% on purchases for 12 months
Balance Transfers Intro APR
0% on balance transfers for 12 months
Regular APR
19.74%-28.74% Variable
Annual Fee
$0 intro annual fee for the first year, then $95.
Credit Needed
Good to Excellent
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