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Best Balance Transfer Credit Cards

A balance transfer credit card presents an opportunity to lower interest costs while paying off, or at least reducing, your balance. By transferring your account balances to the card and settling it within the promotional period, you can consolidate credit card debt and enhance the management of your monthly finances. Terms and conditions apply.

Best Balance Transfer Credit Cards List

Ink Business Cash℠ Credit Card

The Ink Business Cash℠ Credit Card offers a $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening. It also provides 5% cash back on office supply stores and communication services, 2% cash back on gas stations and restaurants, and 1% cash back on all other purchases. With no annual fee and 0% introductory APR for 12 months, it's a great choice for small businesses. Employee cards are available at no additional cost.

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U.S. Bank Visa® Platinum Card

Enjoy a 0% Intro APR on purchases and balance transfers for 15 billing cycles with the U.S. Bank Visa® Platinum Card. After that, a variable APR currently 10.99% - 22.99% applies. As a customer of U.S. Bank, a 2017 World's Most Ethical Company, you'll also benefit from no annual fee and the flexibility to choose a payment due date that fits your schedule. Plus, get up to $600 protection on your cell phone against covered damage or theft when you pay your monthly cellular telephone bill with your card. Certain terms, conditions, and exclusions apply.

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Citi Diamond Preferred Card - 21 Month Intro Offer on BT and Purchases

Enjoy a 0% Intro APR on Balance Transfers and Purchases for 21 months with the Citi Diamond Preferred Card. After that, the variable APR will be 13.99% - 23.99% based on your creditworthiness. Benefit from Citi Price Rewind, $0 liability on unauthorized purchases, and Citi Identity Theft Solutions. Plus, get free access to FICO Scores and no annual fee. Take advantage of a balance transfer fee of either $5 or 3% of the transfer amount. Terms apply.

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Ink Business Unlimited℠ credit card

The Ink Business Unlimited℠ credit card offers unlimited 1.5% cash back on every purchase. It has no annual fee and provides a sign-up bonus of $750 after spending $7,500 within the first 3 months. The card also includes employee cards at no additional cost and offers travel and purchase protection benefits. This card is ideal for businesses looking to earn rewards on their everyday expenses.

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Holland America Line Rewards Visa Card

The Holland America Line Rewards Visa Card offers exclusive benefits for Holland America Line cruises, including bonus points for onboard purchases and discounts on select cruises. Cardholders also earn rewards on everyday purchases, which can be redeemed for onboard credits, stateroom upgrades, and more. Additional perks include no foreign transaction fees and travel insurance benefits.

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Discover it® Balance Transfer

Your account may not always be eligible for balance transfers. Balance transfer eligibility is determined at Discover’s discretion.Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.No annual fee.Terms and conditions apply.

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Citi® Double Cash Card

The Citi® Double Cash Card is a popular cash back credit card that offers 2% cash back on all purchases - 1% when you buy, and 1% when you pay. It has no annual fee and offers a 0% introductory APR on balance transfers for 18 months. With its simple and generous rewards structure, this card is a great choice for those looking to maximize their cash back earnings.

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Citi Simplicity® Card

The Citi Simplicity® Card is a no annual fee credit card that offers a straightforward approach to managing finances. Its key features include no late fees, no penalty rates, and no annual fee. The card also offers a 0% intro APR on balance transfers and purchases for 18 months. With easy-to-understand terms and no frills, the Citi Simplicity® Card is designed for those seeking simplicity in their credit card experience.

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Carnival™ World MasterCard®

The Carnival™ World MasterCard® is a travel rewards credit card designed for frequent cruisers and vacationers. Key features include earning 2X FunPoints on all Carnival Cruise Line and World's Leading Cruise Lines purchases, 1X FunPoints on all other purchases, no annual fee, and no foreign transaction fees. Cardholders also receive a 10% discount on shore excursions booked through Carnival and access to special cardmember events and offers.

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Barclays Princess Cruises Rewards Visa Card

The Barclays Princess Cruises Rewards Visa Card offers cardholders the opportunity to earn Princess Cruises rewards points on every purchase. Cardholders can earn 2 points per $1 spent on Princess purchases and 1 point per $1 spent on all other purchases. The card also offers a sign-up bonus, no foreign transaction fees, and special financing options on Princess Cruises purchases.

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Top Cards We Selected For Your

	U.S. Bank Visa® Platinum Card	Citi Diamond Preferred Card - 21 Month Intro Offer on BT and Purchases	Discover it® Balance Transfer	Citi Simplicity® Card
Annual fee	No Annual Fee	No Annual Fee	$0	No Annual Fee
Regular APR	N/A	N/A	$0	15.99%-25.99%* (Variable)
Purchase Intro APR	0% for 21 billing cycles	N/A	3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time0% for 15 months	0%* for12 months
Transfer Intro APR	0% for 21 billing cycles\|Transfer Fee: 3% (min $5)	N/A	0% for 6 months	0%* for21 months
Late Payment Fee	N/A	N/A	0% for 15 months	0
Returned Payment Fee	N/A	N/A	37	Up to $35
	See Details	See Details	See Details	See Details

Top Card Issuers

Capital One

37 Cards

Bank of Guam

4 Cards

North Shore Bank

5 Cards

Comenity Bank

53 Cards

PNC

10 Cards

Bank Mutual

5 Cards

Johnson Bank

5 Cards

Bank of America

29 Cards All Credit Cards Bank >

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What Type of Credit Card is Best?

Choosing the best credit card isn't a one-size-fits-all scenario. Each card serves a unique purpose – some for spending, others for borrowing, travel, rewards, and more. To navigate this financial landscape, answer a few key questions to find the perfect card tailored to your specific needs. Let's unravel the credit card puzzle and discover how you can save by having the right card for the right purpose. The best credit card for you depends why you need it:

Cut interest with a balance transfer card

Get points/cash on a reward credit card

And there are others too... our 'how do credit cards work' guide takes you through all the options.

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Best Balance Transfer Credit Cards