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Last updatedMarch 2024

Best Balance Transfer Credit Cards of March 2024

Less Interest. More Savings.

Explore the best balance transfer credit cards with zero interest offers. Choose wisely for enhanced financial flexibility and optimal benefits.

All Cards Are:
Property lockSafe & Secure
CheckVerified & Vetted
TopTrusted Brands
Best Credit Cards
Best Credit Cards
Cash Back
Cash Back
Balance Transfer
Balance Transfer
Travel
Travel
Rewards
Rewards
1
citi-double-cash-card credit card logo
9.9
BestMoneyscore
Popularity
Based on visits in the past 7 days
10.0
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
10.0
Learn More
on Citi's application
Citi Double Cash® Card
Credit Score
580+
Annual Fee
$0
Regular APR
19.24%-29.24% (variable)
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
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, for a limited time, earn 5% total cash back on hotel, car rentals, and attractions booked on the Citi Travel℠ portal through 12/31/24

Welcome Bonus: 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

Intro APR: 0% intro APR for 18 months on balance transfers

See Rates & Fees

Learn more about Citi Double Cash® Card card
2
chase-freedom-unlimited credit card logo
8.7
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.5
Brand Reputation
Based on web trends
9.9
Features & Benefits
Based on our editorial reviews
9.8
Learn More
on chase.com site
Chase Freedom Unlimited®
Credit Score
670+
Annual Fee
$0
Regular APR
20.49%-29.24%
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Unlimited 1.5% cash back on all other purchases

Welcome Bonus: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. Enjoy 6.5% 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; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year)

Intro APR: Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%

Learn more about Chase Freedom Unlimited® card
3
citi-rewards-card credit card logo
8.6
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.5
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
9.8
Learn More
on Citi's application
Citi Rewards+® Card
Credit Score
690+
Annual Fee
$0
Regular APR
18.74%-28.74% (variable)
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
Earn 2X ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1X Points thereafter
Earn 1X ThankYou® Points on all other purchases
Earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024

Welcome Bonus: Earn 20,000 bonus points after spending $1,500 within the first 3 months of account opening

Intro APR: 0% intro APR for 15 months on purchases and balance transfers

See Rates & Fees

Learn more about Citi Rewards+® Card card
4
blue-cash-everyday-card-from-american-express credit card logo
8.7
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.5
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
10.0
Blue Cash Everyday® Card from American Express
Credit Score
670+
Annual Fee
$0
Regular APR
19.24% - 29.99%
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
3% cash back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%
3% cash back on U.S. online retail purchases, on up to $6,000 per year, then 1%
3% cash back at U.S. gas stations, on up to $6,000 per year, then 1%

Welcome Bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months

Intro APR: 0% intro APR on purchases and balance transfers for 15 months from the date of account opening

Terms Apply, See Rates & Fees

Learn more about Blue Cash Everyday® Card from American Express card
5
citi-custom-cash-card credit card logo
8.7
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.5
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
10.0
Learn More
on Citi's application
Citi Custom Cash® Card
Credit Score
670+
Annual Fee
$0
Regular APR
19.24%-29.24% (variable)
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
Five points per $1 spent (up to the first $500 spent per billing cycle) in your top spending category
One point per $1 spent on everything else

Welcome Bonus: $200 cash back once you spend $1,500 on purchases within six months of opening the account

Intro APR: 0% intro APR for purchases and balance transfers for 15 months

See Rates & Fees

Learn more about Citi Custom Cash® Card card
6
capital-one-savorone-cash-rewards-credit-card credit card logo
8.7
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.5
Brand Reputation
Based on web trends
9.8
Features & Benefits
Based on our editorial reviews
10.0
Learn More
on creditcards.com site
Capital One SavorOne Cash Rewards Credit Card
Credit Score
670+
Annual Fee
$0
Regular APR
19.99%-29.99% (variable)
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores and 1% on all other purchases

Welcome Bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Intro APR: 0% APR on purchases for 15 months

Learn more about Capital One SavorOne Cash Rewards Credit Card card

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BestMoney Total Score
Our product scores consist of a combination of the following 3 components:
Popularity
BestMoney measures user engagement based on the number of clicks each listed brand received in the past 7 days. The number of clicks to each brand will be measured against other brands listed in the same query. Therefore, the higher the share of clicks a brand receives in any specific query, the higher the Click Trend Score. BestMoney accepts advertising compensation from companies, which impacts their (and/or their products’) position, and in some cases, may also affect their Click Trend Score.
Brand Reputation
Semrush is a trusted and comprehensive tool that offers insights about online visibility and performance. The BestMoney Total Score will consist of the brand's reputation from Semrush. The brand reputation is based on Semrush's analysis of clickstream data, which includes user behavior, search patterns, and engagement, to accurately measure each brand's prominence, credibility, and trustworthiness. If a brand does not have a Semrush score, the BestMoney Total Score will be based solely on the Click Trend Score and Products & Features Score (read below).
Features & benefits
BestMoney’s editorial team researches and reviews financial products based on factors such as: range of products and services offered, ease-of-use, online accessibility, customer service, special awards, and more. Each brand is then given a score based on the offerings in each parameter. The specific parameters which we use to evaluate the score of each product can be found on its review page, which is updated every 3 months. If the editorial team cannot locate information relevant to a brand's Products & Services Score, it will not be included in its calculation.
Editorial Reviews
Citi Double Cash® Card
Citi Double Cash® Card
Read Review
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Everything You Need to Know About Applying for a Balance Transfer Credit Card Online

In the digital finance age, finding the best balance transfer cards has never been easier. Applying online offers you the convenience to sift through numerous balance transfer credit card offers, allowing you to make an informed choice. Whether you're looking for a balance transfer credit card with a no-fee option or a card with the longest 0-interest balance transfer period, there are many options for you to choose from.

How to Choose the Right Balance Transfer Credit Card for You

The spectrum of balance transfer cards is broad, but choosing the right one boils down to your financial situation and goals:

Duration of 0% APR: The best credit cards for balance transfers often come with a 0 APR balance transfer period. Assess how long you'll need to pay off your debt and choose a card that offers that duration.

Transfer Fees: While options exist for a zero percent balance transfer with no fee, some cards may charge a certain percentage of the amount being transferred.

Post-Promotional Interest Rates: After the initial 0 balance transfer credit card offer ends, interest rates can soar. It's essential to be aware of the post-promotional rates.

Balance Transfer Credit Cards 101

Navigating the intricacies of credit card balance transfer offers is simpler when you're armed with the basics:

Purpose: The primary goal of a balance transfer credit card is to consolidate high-interest debt onto a card offering lower (often 0%) interest, saving you money and simplifying payments.

Transfer Limits: There might be limits to how much you can transfer. Always check these before applying.

Application Impact: Applying for multiple transfer balance credit cards quickly might impact your credit score.

FAQs

How does a credit card balance transfer work?

A credit card balance transfer involves moving your debt (balance) from one or more credit cards to another card, typically one with a lower interest rate or promotional offer.

Are there cards that offer a zero-interest balance transfer with no fees?

Yes, some of the best balance transfer credit cards offer 0% interest periods and no transfer fees. However, it's crucial to read the terms and conditions.

Can transferring balances negatively affect my credit score?

While a single transfer can temporarily dip your score due to a credit inquiry, consolidating and paying down debt can positively impact your credit over time.

By researching and understanding the best credit cards for balance transfers, you can make informed decisions that pave the way for a clearer financial future. With the right card, you're not just transferring a balance; you're transferring toward financial freedom.