Best balance transfer credit cards

1. 1
   

   Citi

   Citi Diamond Preferred Credit Card

   The Citi® Diamond Preferred® Credit Card does not earn rewards but offers benefits such as a low intro balance transfer fee and free access to your FICO® Score

   Saves about $839 in interest on a $5,000 transfer paid off over 18 months, after a 3% transfer fee.

   $312/ yearAnnual fee $0
2. 2
   

   Chase

   Slate Credit Card

   21 months on purchases and balance transfers, with no annual fee

   Saves about $827 in interest on a $5,000 transfer paid off over 21 months, after a 5% transfer fee (assumed; not listed).

   $312/ yearAnnual fee $0
3. 3
   

   Citi

   Citi Double Cash Credit Card

   2% cash back on purchases: 1% when you buy · 1% as you pay, with no category enrollment, caps, or annual fee

   Saves about $819 in interest on a $5,000 transfer paid off over 18 months, after a 3% transfer fee.

   $624/ yearAnnual fee $0
4. 4
   

   Wells Fargo

   Reflect Card

   The card offers personalized deals through My Wells Fargo Deals, allowing cardholders to earn cash back as account credits

   Saves about $809 in interest on a $5,000 transfer paid off over 21 months, after a 5% transfer fee (assumed; not listed).

   $312/ yearAnnual fee $0
5. 5
   U.S. Bank Shield Visa Credit Card

   U.S. Bank

   U.S. Bank Shield Visa Credit Card

   4% cash back on prepaid air, hotel, and car reservations booked directly in the Travel Center

   Saves about $792 in interest on a $5,000 transfer paid off over 21 months, after a 5% transfer fee.

   $319/ yearAnnual fee $0
6. 6
   

   Bank of America

   BankAmericard Credit Card

   0% introductory APR for the first 21 billing cycles, making it ideal for those looking to save on interest

   Saves about $701 in interest on a $5,000 transfer paid off over 21 months, after a 5% transfer fee.

   $312/ yearAnnual fee $0
7. 7
   

   Citi

   Citi Simplicity Credit Card

   The Citi Simplicity® Credit Card does not earn rewards, but offers benefits such as no late fees, no penalty rate, and no annual fee

   Saves about $666 in interest on a $5,000 transfer paid off over 15 months, after a 3% transfer fee.

   $312/ yearAnnual fee $0
8. 8
   

   Discover

   Discover it Balance Transfer Credit Card

   Cash back on every purchase, with no annual fee and a rewards match at the end of your first year

   Saves about $630 in interest on a $5,000 transfer paid off over 18 months, after a 5% transfer fee (assumed; not listed).

   $312/ yearAnnual fee $0
9. 9
   

   Bank of America

   Bank of America Customized Cash Rewards Credit Card

   6% cash back in the category of your choice for the first year · 3% cash back in that category after the first year

   Saves about $608 in interest on a $5,000 transfer paid off over 15 months, after a 3% transfer fee.

   $372/ yearAnnual fee $0
10. 10
    

    Bank of America

    Bank of America Travel Rewards Credit Card

    1.5 points per $1 on everyday purchases

    Saves about $608 in interest on a $5,000 transfer paid off over 15 months, after a 3% transfer fee.

    $468/ yearAnnual fee $0

Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending

• Cash back
• Travel
• No annual fee
• Dining
• Groceries
• Gas
• No foreign fee
• Premium
• No-fee cash back
• No-fee travel
• No-fee dining
• No-fee groceries
• Students
• Business
• Fair credit

Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.