Last updated: Jul 2026
ADVERTISEMENT: FEATURED PRODUCTS FROM OUR PARTNERS
Best for All-Around Value
5.0
BestMoneyscore
BestMoney scores are a dynamic formula that combines the anticipated engagement of a credit card with our editorial team’s assessment of that card based on category-specific criteria. This score is updated whenever card offers change.
Apply Now
on chase.com site
See Rates & Fees
See Rates & Fees
Chase Freedom Unlimited®
Intro APR
0% Intro APR for 15 months
Regular APR
18.24% - 27.74% Variable
Annual Fee
$0
Recommended Credit Score
Rewards Breakdown
Editor's Review
Card Features
Pros & Cons
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.
1.5%
On all other purchases.
Best for Paying Down Balances Over Time
4.8
BestMoneyscore
BestMoney scores are a dynamic formula that combines the anticipated engagement of a credit card with our editorial team’s assessment of that card based on category-specific criteria. This score is updated whenever card offers change.
Apply Now
on Wells Fargo's application
See Rates & Fees
See Rates & Fees
Wells Fargo Reflect® Card
Intro APR
0% intro APR for 21 months from account opening
Regular APR
17.49%, 23.99%, or 28.24% Variable APR
Annual Fee
$0
Recommended Credit Score
Summary
Editor's Review
Card Features
Pros & Cons
The Wells Fargo Reflect® Card is designed for consumers seeking an extended introductory APR period, allowing users to manage larger purchases or balances without immediate interest charges. This card is ideal for those who may carry a balance.
Best for Balance Transfers
4.7
BestMoneyscore
BestMoney scores are a dynamic formula that combines the anticipated engagement of a credit card with our editorial team’s assessment of that card based on category-specific criteria. This score is updated whenever card offers change.
Apply Now
on Citi's application
See Rates & Fees
See Rates & Fees
Citi® Diamond Preferred® Card
Intro APR
0% for 21 months on Balance Transfers & 12 months on Purchases
Regular APR
16.49% - 27.24% (Variable)
Annual Fee
$0
Recommended Credit Score
Summary
Editor's Review
Card Features
Pros & Cons
The Citi® Diamond Preferred® Card is a solid option if you’re looking to pay down existing debt or finance a large purchase over time. With one of the longest 0% intro APR periods on the market, it’s built for people focused on managing balances.
4.6
BestMoneyscore
BestMoney scores are a dynamic formula that combines the anticipated engagement of a credit card with our editorial team’s assessment of that card based on category-specific criteria. This score is updated whenever card offers change.
Apply Now
on Chase's website
See Rates & Fees
See Rates & Fees
Chase Slate®
Intro APR
0% Intro APR for 21 months
Regular APR
18.24% - 28.24% Variable
Annual Fee
$0
Recommended Credit Score
Summary
Editor's Review
Card Features
Pros & Cons
The Chase Slate® card offers a 0% intro APR for 21 months on purchases and balance transfers with no annual fee, making it a straightforward option for paying down an existing balance. It also comes with flexible payment features like Chase Pay Over Time and key protections, including zero liability and purchase protection.
4.4
BestMoneyscore
BestMoney scores are a dynamic formula that combines the anticipated engagement of a credit card with our editorial team’s assessment of that card based on category-specific criteria. This score is updated whenever card offers change.
Apply Now
on Bank of America's application
BankAmericard® credit card
Welcome Bonus
N/A
Rewards Rate
N/A
Annual Fee
$0
Recommended Credit Score
Regular APR
14.99% - 25.99% Variable
Intro APR
0% Intro APR for 21 billing cycles
Summary
Editor's Review
Card Features
Pros & Cons
The BankAmericard is a no-frills credit card designed mainly for balance transfers and financing large purchases, offering one of the longest 0% intro APR periods available. It’s a strong choice if you're focused on paying down debt while avoiding interest, especially with no annual fee and no penalty APR. However, it lacks rewards, making it best used alongside a rewards card once the intro period ends.
Best for Flexible Cash Back
4.4
BestMoneyscore
BestMoney scores are a dynamic formula that combines the anticipated engagement of a credit card with our editorial team’s assessment of that card based on category-specific criteria. This score is updated whenever card offers change.
Apply Now
on Bank of America's application
Bank of America® Customized Cash Rewards Credit Card
Intro APR
0% Intro APR for 15 billing cycles for purchases
Regular APR
17.49%-27.49% Variable
Annual Fee
$0
Recommended Credit Score
Rewards Breakdown
Editor's Review
Card Features
Pros & Cons
6%
Earn 6% cash back for the first year in the category of your choice.
3%
Earn 3% cash back after the first year from account opening in your choice category.
2%
Earn 2% cash back at grocery stores and wholesale clubs. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
1%
Earn 1% cash back on all other purchases.
4.3
BestMoneyscore
BestMoney scores are a dynamic formula that combines the anticipated engagement of a credit card with our editorial team’s assessment of that card based on category-specific criteria. This score is updated whenever card offers change.
Apply Now
on American Express' site
Terms Apply, See Rates & Fees
Terms Apply, See Rates & Fees
Blue Cash Everyday® Card from American Express
Intro APR
0% Intro APR for 15 months
Regular APR
19.49%-28.49% Variable
Annual Fee
$0
Recommended Credit Score
Rewards Breakdown
Editor's Review
Card Features
Pros & Cons
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%.
4.3
BestMoneyscore
BestMoney scores are a dynamic formula that combines the anticipated engagement of a credit card with our editorial team’s assessment of that card based on category-specific criteria. This score is updated whenever card offers change.
Apply Now
on Citi's application
See Rates & Fees
See Rates & Fees
Citi Double Cash® Card
Intro APR
0% Intro APR for 18 months on balance transfers
Regular APR
17.49% - 27.49% (Variable)
Annual Fee
$0
Recommended Credit Score
Rewards Breakdown
Editor's Review
Card Features
Pros & Cons
5%
Earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
2%
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.
Top Balance Transfer Card
Best for All-Around Value
5.0
BestMoneyscore
BestMoney scores are a dynamic formula that combines the anticipated engagement of a credit card with our editorial team’s assessment of that card based on category-specific criteria. This score is updated whenever card offers change.
Apply Now
on chase.com site
See Rates & Fees
See Rates & Fees
Chase Freedom Unlimited®
Intro APR
0% Intro APR for 15 months
Regular APR
18.24% - 27.74% Variable
Annual Fee
$0
Recommended Credit Score
Rewards Breakdown
Editor's Review
Card Features
Pros & Cons
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.
1.5%
On all other purchases.
FAQ
1. Are balance transfer credit cards worth it?
Yes, balance transfer credit cards can be worth it if you have high-interest debt on existing credit cards. These cards often offer low or 0% introductory APRs for a specific period, allowing you to pay down your debt faster without accruing high interest. However, it's essential to consider any balance transfer fees and ensure you can pay off the transferred balance before the promotional period ends to maximize savings.
2. How do balance transfer credit cards work?
Balance transfer credit cards allow you to move debt from one or more high-interest credit cards to a new card with a lower interest rate or a promotional 0% APR for a limited time. To do this, you apply for a balance transfer card and request the transfer during the application process or afterward. Once approved, the new card issuer pays off your old card balances, and you are responsible for repaying the new card under its terms.
3. When should I get a balance transfer credit card?
You should consider getting a balance transfer credit card if: You have high-interest credit card debt that you're struggling to pay off. You can commit to paying off the balance before the introductory rate expires. You want to simplify your payments by consolidating multiple debts into one monthly payment.
4. Which balance transfer credit card is the best for me?
The best balance transfer credit card for you depends on several factors, including: Your credit score: Many balance transfer cards require good to excellent credit. The length of the promotional period: If you need more time to pay off your balance, look for cards with longer 0% APR terms. Balance transfer fees: Some cards charge a fee (typically 3-5% of the transferred amount), so consider this in your decision. Additional benefits: Some cards offer rewards or perks that may suit your financial goals.
A Smarter Way to Pay Off Credit Card Debt
If you’re carrying a balance on your credit card, you’re not alone. With interest rates often above 20%, it can feel like your balance barely moves even when you’re making regular payments.
That’s why many people consider balance transfer credit cards. These cards can offer a 0% intro APR for a set period, typically 15 to 21 months, giving you time to pay down debt without additional interest.
Here’s how they work and what to know before you apply.
1. You Can Reduce or Avoid Interest (Temporarily)
Most balance transfer cards offer a 0% intro APR for a set period.
During this time, interest is not charged on transferred balances, so more of your payment goes toward reducing what you owe.
2. You Could Save on Interest Costs
High-interest credit card debt can add up quickly. Depending on your balance and rate, interest charges can total hundreds or more over time.
Transferring your balance to a lower-rate card may help reduce or avoid some of those costs.
3. It Can Simplify Your Finances
A balance transfer can combine multiple balances into one.
That means one monthly payment and one due date, which can make managing debt easier.
4. There Are Fees and Limits to Consider
Most cards charge a balance transfer fee, typically 3% to 5% of the amount transferred.
You’ll also need good to excellent credit in most cases (usually a FICO score of 670 or higher) to qualify for the best offers.
5. It Works Best With a Payoff Plan
A balance transfer can help reduce interest, but it doesn’t eliminate debt.
To get the most value, it’s important to pay down your balance during the intro period and avoid adding new charges.
Is a Balance Transfer Credit Card Worth It?
A balance transfer may make sense if you have high-interest debt and can pay off most or all of it within the intro period.
It may not be the best fit if the transfer fee outweighs potential savings or if you’re likely to continue carrying a balance.
Disclaimer
Wells Fargo
Disclosure: This content is not provided by the issuer. Any opinions expressed are those of BestMoney alone, and have not been reviewed, approved or otherwise endorsed by the issuer.
Bank of America
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.