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What Is a Balance Transfer Credit Card?

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated February 28, 2022 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

If you’re carrying high-interest debt you’d like to pay off quickly, and you’ve got a good to exceptional credit score, a balance transfer credit card with a 0% intro APR is one of the best tools in your arsenal for getting out of debt.

With a balance transfer card, you’re able to move debt from one card to another and take advantage of an intro period where no interest accrues and 100% of your payments go toward the principal of your debt — however, you’ll still need to make at least the minimum payment each month. After the intro period ends, interest will accrue on any remaining balance at the regular APR.

How to do a balance transfer

The steps involved in doing a balance transfer will vary slightly depending on whether you’re opening a new credit card or taking advantage of an offer on an existing card. In both cases, you can typically request the transfer online. When opening a new balance transfer card, take the following steps:

  1. Fill in the information required for the credit card application. You’ll have to supply information such as your name, Social Security number, address and income.
  2. When you reach a balance transfer screen as you continue through the online form (assuming you’ve been approved), you’ll need to enter information about the account you want to transfer debt from.
  3. Wait for the balance transfer to process. It could go through in five to seven days, or take even longer. When it does, the issuer of your new card will pay off your old card, and the balance (plus any balance transfer fee assessed) will appear on your new card. If a payment is due on your old card before the balance transfer processes, you’ll still need to make the payment.
  4. Begin paying off the balance on your new credit card. You’ll be required to make at least the minimum payment each month, but you should budget more than the minimum, so that you can be certain of paying off the entire balance before the 0% intro APR period ends.

When you open a new balance transfer card, you might not get a high enough credit limit to transfer all of your debt, or your issuer might cap how much you can transfer. In that case, you might wish to apply for another card and do a second transfer with the remaining amount, or you might wish to leave the remainder on your old card and continue to pay it off while you start whittling away at the debt on your 0% APR credit card.

If you want to do a balance transfer with an existing credit card, you can log into your account online and check if you have any balance transfer offers. The issuer might promote such an offer when you log in, or you might need to navigate to a specific area of your account.

For example, Discover displays a “balance transfers” link under the “card services” tab. If you have one or more offers available, you’ll have to select the offer you prefer and enter information about the account you want to transfer debt from, as well as the amount you wish to transfer.

For consumers who don’t want to make their balance transfer request online, you can also call your issuer and make the request over the phone. Finally, you might sometimes receive balance transfer offers in the mail.

But no matter how you receive your offer and submit your request, make sure you understand what the intro APR is (not all intro APR offers are for a 0% APR), when the intro period will end and what the balance transfer fee is.

What is a credit card balance transfer fee?

Most credit cards charge a balance transfer fee, which typically ranges from 3% to 5% of the amount transferred. So, for example, a 3% balance transfer fee applied when transferring a $4,000 balance would be $120, meaning you’ll have $4,120 to pay off.

There are credit cards with no balance transfer fee, but they’re rare and typically have shorter intro periods — and those cards might require you to meet certain eligibility requirements, such as joining a credit union.

However, a balance transfer might still save you money despite a balance transfer fee, depending on how high your current interest rate is and how long it’ll take you to pay off the debt.

How long of a 0% APR period can I get?

It’s possible to find balance transfer credit cards with 0% intro APR periods up to 21 months long — in other words, with almost two years of no interest. However, be prepared to pay a balance transfer fee in exchange for such a long intro APR period.

If you’re looking for a credit card with no balance transfer fee, be aware that such cards are likely to have shorter intro periods, such as a 0% intro APR for 12 months.

Is there a limit to how much I can transfer?

This will depend on the issuer of your balance transfer credit card. Some issuers limit how much you can transfer to your new card, while others allow more flexibility.

Here are balance transfer policies from some major issuers:

Issuer
American ExpressIf you're able to do a balance transfer to an Amex card, it will be capped at the lesser of $5,000 or 75% of your credit limit. Terms apply. See americanexpress.com for more details.
Bank of AmericaYou'll be allowed to transfer close to your credit limit, but Bank of America leaves a small buffer to account for any fees.
BarclaysTransfers to a new Barclays credit card with a balance transfer offer are capped at 90% of your credit limit. If you have an offer on an existing card you'll be able to transfer up to your credit limit minus the balance transfer fee amount.
Capital OneYou can transfer up to your credit limit minus the amount of the balance transfer fee.
ChaseTransfers are capped at the lesser of $15,000 or 95% of your credit limit (the balance transfer fee counts toward the cap).
CitibankYou can transfer as much as your available line of credit minus the balance transfer fee amount.
DiscoverCardholders are allowed to transfer up to about 95% of their credit limit (to leave room for the balance transfer fee).

Just be aware that you might not always have a balance transfer offer on your existing cards, and if you’re considering opening a new card, check whether the issuer currently offers balance transfer deals or not.

How much can I save with a balance transfer?

Carrying a balance on a high-interest credit card can add up. For instance, consider the following examples with a $4,000 balance on a 20% APR card, and approximately how much interest you’d pay in each scenario:

Balance AmountMonthly PaymentMonths Needed to Pay OffInterest Paid
$4,00020%$10065$2,492
$4,00020%$30015$482
$4,00020%$5009$256

However, if you made payments of $229 a month on a balance transfer card offering 0% interest for 18 months with a 3% balance transfer fee, you’d avoid interest charges entirely ($4,120/18 = $229).

Will a balance transfer affect my credit score?

If you’re transferring a balance to a credit card you already have open, the balance transfer probably won’t affect your credit score — at least not at first. You’re just moving debt around, not opening any new accounts. However, if you end up paying down your balance faster due to a 0% intro APR offer, that could in time improve your credit score by reducing your credit utilization ratio (how much you owe versus your available credit).

On the other hand, if you open up a new balance transfer credit card, your credit score might dip by 5 to 10 points at first because you’re generating a hard inquiry with the application. But in time, the impact of that hard inquiry will fade and your credit score will rebound as you pay down your debt — plus, your score is likely to improve even further, since the new card offers you a new line of credit and thus lowers your overall utilization.

All that to say, balance transfers can improve your credit score in the long run, if used responsibly.

Best balance transfer credit cards

Based on our research of cards available through LendingTree, as well as top cards offered by major issuers, here’s a selection of some of the best balance transfer cards with long introductory APRs.

Wells Fargo Reflect<sup>®</sup> Card

Wells Fargo Reflect® Card

Apply Now
on Wells Fargo's secure site
Intro Purchase APR 0% intro APR up to 21 months from account opening
Annual Fee $0
Regular Purchase APR 15.24% - 27.24% variable APR

The Wells Fargo Reflect® Card offers a 0% intro APR up to 21 months from account opening on qualifying balance transfers, after which a 15.24% - 27.24% variable APR applies. The balance transfer fee is reasonable at 3% for 120 days from account opening, then up to 5%; min: $5.

In addition, the card offers a 0% intro APR up to 21 months from account opening on purchases, after which a 15.24% - 27.24% variable APR applies.

The way the intro periods work on this card is unique: When approved for the card, you get 18 months of 0% intro APR, and you can earn an extension of up to three months by making on-time minimum payments.

However, if traveling abroad, beware of the card’s 3% foreign transaction fee. Still, the card’s annual fee is $0.

Anyone who needs a long time to pay off transferred debt (or new purchases) should give the Wells Fargo Reflect® Card serious consideration. This card currently offers one of the longest 0% intro APR periods on both balance transfers and purchases. And while it doesn’t earn rewards or a sign-up bonus, if your main focus is on avoiding interest charges and getting out of debt, you shouldn’t be worried too much about those things anyway.

The Wells Fargo Reflect® Card does come with cellphone protection, so for that reason, it may be worth keeping around after you pay your balance off in full and using it to pay your monthly cellphone bill.

  • Up to $600 of cellphone protection ($25 deductible) when you pay your bill with this card
  • 24/7 roadside dispatch when you call 800-847-2869. Terms apply

The Wells Fargo Reflect® Card offers a 0% intro APR up to 21 months from account opening on qualifying balance transfers, after which a 15.24% - 27.24% variable APR applies. The balance transfer fee is reasonable at 3% for 120 days from account opening, then up to 5%; min: $5.

In addition, the card offers a 0% intro APR up to 21 months from account opening on purchases, after which a 15.24% - 27.24% variable APR applies.

The way the intro periods work on this card is unique: When approved for the card, you get 18 months of 0% intro APR, and you can earn an extension of up to three months by making on-time minimum payments.

However, if traveling abroad, beware of the card’s 3% foreign transaction fee. Still, the card’s annual fee is $0.

Anyone who needs a long time to pay off transferred debt (or new purchases) should give the Wells Fargo Reflect® Card serious consideration. This card currently offers one of the longest 0% intro APR periods on both balance transfers and purchases. And while it doesn’t earn rewards or a sign-up bonus, if your main focus is on avoiding interest charges and getting out of debt, you shouldn’t be worried too much about those things anyway.

The Wells Fargo Reflect® Card does come with cellphone protection, so for that reason, it may be worth keeping around after you pay your balance off in full and using it to pay your monthly cellphone bill.

  • Up to $600 of cellphone protection ($25 deductible) when you pay your bill with this card
  • 24/7 roadside dispatch when you call 800-847-2869. Terms apply
Citi Simplicity<sup>®</sup> Card

Citi Simplicity® Card

Apply Now
on Citibank's secure site
Intro Purchase APR 0% for 12 months on Purchases
Annual Fee $0
Regular Purchase APR 16.99% - 26.99% (Variable)

The Citi Simplicity® Card offers an exceptional intro APR of 0% for 21 months on balance transfers, after which a 16.99% - 26.99% (variable) APR applies. Note that a balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum. The fee is high, but you do get almost two years of no interest.

There’s also an intro APR on purchases, but it is lackluster: 0% for 12 months on purchases (after, a 16.99% - 26.99% (variable) APR applies). You’re better off using this as a balance transfer card.

The annual fee is $0, but there is a foreign transaction fee: 3% of each purchase transaction after its conversion into U.S. dollars. If traveling abroad, leave this card at home.

If you need a long time to pay off debt from another credit card — and you’re willing to pay a balance transfer fee that’s slightly on the high side in exchange for a lengthy 0% intro APR period — the Citi Simplicity® Card just might be right for you. A 5% balance transfer fee means, for example, you’d pay $200 to transfer a $4,000 balance. But with almost two years of no interest, this card is a powerful tool for getting out of debt.

  • Citi® Identity Theft Solutions
  • Use your card with Apple Pay®, Google Pay™ or Samsung Pay
  • No late fees and no penalty APR

The Citi Simplicity® Card offers an exceptional intro APR of 0% for 21 months on balance transfers, after which a 16.99% - 26.99% (variable) APR applies. Note that a balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum. The fee is high, but you do get almost two years of no interest.

There’s also an intro APR on purchases, but it is lackluster: 0% for 12 months on purchases (after, a 16.99% - 26.99% (variable) APR applies). You’re better off using this as a balance transfer card.

The annual fee is $0, but there is a foreign transaction fee: 3% of each purchase transaction after its conversion into U.S. dollars. If traveling abroad, leave this card at home.

If you need a long time to pay off debt from another credit card — and you’re willing to pay a balance transfer fee that’s slightly on the high side in exchange for a lengthy 0% intro APR period — the Citi Simplicity® Card just might be right for you. A 5% balance transfer fee means, for example, you’d pay $200 to transfer a $4,000 balance. But with almost two years of no interest, this card is a powerful tool for getting out of debt.

  • Citi® Identity Theft Solutions
  • Use your card with Apple Pay®, Google Pay™ or Samsung Pay
  • No late fees and no penalty APR
Citi<sup>®</sup> Diamond Preferred<sup>®</sup> Card

Citi® Diamond Preferred® Card

Apply Now
on Citibank's secure site
Intro Purchase APR 0% for 12 months on Purchases
Annual Fee $0
Regular Purchase APR 15.99% - 25.99% (Variable)

Similar to the Citi Simplicity® Card, the Citi® Diamond Preferred® Card offers a long balance transfer intro APR period: 0% for 21 months on balance transfers, after which a 15.99% - 25.99% (variable) APR applies.

Note that a high balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

There’s also an intro APR on purchases, but it pales in comparison to the lengthy balance transfer intro offer: 0% for 12 months on purchases, after which a 15.99% - 25.99% (variable) APR applies.

You’ll pay a $0 annual fee to carry the card, but beware the 3% foreign transaction fee.

With the Citi® Diamond Preferred® Card, cardholders get nearly two years of no interest to pay off debt moved from another card. It’s a relatively no-frills card, and doesn’t offer a rewards program or sign-up bonus.

  • Citi Entertainment® offers access to ticket presales and exclusive events
  • Citi® Identity Theft Solutions
  • Use your card with Apple Pay®, Google Pay™ or Samsung Pay

Similar to the Citi Simplicity® Card, the Citi® Diamond Preferred® Card offers a long balance transfer intro APR period: 0% for 21 months on balance transfers, after which a 15.99% - 25.99% (variable) APR applies.

Note that a high balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

There’s also an intro APR on purchases, but it pales in comparison to the lengthy balance transfer intro offer: 0% for 12 months on purchases, after which a 15.99% - 25.99% (variable) APR applies.

You’ll pay a $0 annual fee to carry the card, but beware the 3% foreign transaction fee.

With the Citi® Diamond Preferred® Card, cardholders get nearly two years of no interest to pay off debt moved from another card. It’s a relatively no-frills card, and doesn’t offer a rewards program or sign-up bonus.

  • Citi Entertainment® offers access to ticket presales and exclusive events
  • Citi® Identity Theft Solutions
  • Use your card with Apple Pay®, Google Pay™ or Samsung Pay
Discover it<sup>®</sup> Balance Transfer

Discover it® Balance Transfer

Apply Now
on Discover's secure site
Intro Purchase APR 0% Intro APR for 6 months
Annual Fee $0
Regular Purchase APR 13.49% - 24.49% Variable APR

The Discover it® Balance Transfer offers a very solid 0% Intro APR for 18 months on balance transfers, after which a 13.49% - 24.49% Variable APR applies. The balance transfer fee is a reasonable 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.

On purchases, you’ll only get a 0% Intro APR for 6 months — after, a 13.49% - 24.49% Variable APR applies. Since many competing cards offer a year or more of 0% intro APR on purchases, six months is subpar.

The Discover it® Balance Transfer also comes with something many balance transfer cards don’t — a rewards program. We don’t recommend making purchases on your card until you’ve paid off the transferred balance, but once you’re out of debt, a rewards program gives a card ongoing value.

This card earns 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically, though there’s a $1,500 spending cap per quarter at the elevated earning rate. And if you hit the spending cap each quarter, that’s $75 in cash back at the 5% rate. Note that you’ll need to activate the new category each quarter, otherwise you’ll earn just 1% on all purchases.

The annual fee is $0. And don’t worry about a foreign transaction fee, because there is none (though Discover cards are not as widely accepted in some countries as those on Visa and Mastercard payment networks).

Finally, though we don’t recommend making new purchases until you pay off your balance transfer, we should note this card offers a unique sign-up bonus: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

If you’re looking for a credit card with a solid balance transfer offer that’s worth keeping around even after you’ve paid off your debt, consider the Discover it® Balance Transfer. Unlike many other balance transfer cards, it offers a generous cash back program. You will have to remember to activate categories every quarter, but Discover typically sends out reminders. As long as your spending aligns with the rotating categories, this card can net you a good amount of cash back. Past examples of quarterly categories have included spending on restaurants and PayPal, and on Amazon, Walmart.com and Target.com.

  • FICO® Score access for free
  • Easily freeze your card online or in the mobile app
  • Customer service 100% based in the U.S.

The Discover it® Balance Transfer offers a very solid 0% Intro APR for 18 months on balance transfers, after which a 13.49% - 24.49% Variable APR applies. The balance transfer fee is a reasonable 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.

On purchases, you’ll only get a 0% Intro APR for 6 months — after, a 13.49% - 24.49% Variable APR applies. Since many competing cards offer a year or more of 0% intro APR on purchases, six months is subpar.

The Discover it® Balance Transfer also comes with something many balance transfer cards don’t — a rewards program. We don’t recommend making purchases on your card until you’ve paid off the transferred balance, but once you’re out of debt, a rewards program gives a card ongoing value.

This card earns 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically, though there’s a $1,500 spending cap per quarter at the elevated earning rate. And if you hit the spending cap each quarter, that’s $75 in cash back at the 5% rate. Note that you’ll need to activate the new category each quarter, otherwise you’ll earn just 1% on all purchases.

The annual fee is $0. And don’t worry about a foreign transaction fee, because there is none (though Discover cards are not as widely accepted in some countries as those on Visa and Mastercard payment networks).

Finally, though we don’t recommend making new purchases until you pay off your balance transfer, we should note this card offers a unique sign-up bonus: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

If you’re looking for a credit card with a solid balance transfer offer that’s worth keeping around even after you’ve paid off your debt, consider the Discover it® Balance Transfer. Unlike many other balance transfer cards, it offers a generous cash back program. You will have to remember to activate categories every quarter, but Discover typically sends out reminders. As long as your spending aligns with the rotating categories, this card can net you a good amount of cash back. Past examples of quarterly categories have included spending on restaurants and PayPal, and on Amazon, Walmart.com and Target.com.

  • FICO® Score access for free
  • Easily freeze your card online or in the mobile app
  • Customer service 100% based in the U.S.

Navy Federal Platinum Credit Card

Highlights
  • Intro 0% APR on balance transfers for 12 months
  • After the intro period, a 6.24% - 18% variable APR applies
  • No balance transfer fee
  • No annual fee

The Navy Federal Platinum Credit Card offers a shorter intro APR than other cards here: 0% intro APR for 12 months on balance transfers made within 60 days of account opening; after, a 6.74% to 18.00% (variable) APR applies. But it stands out with its $0 balance transfer fee — cards with no balance transfer fee are rare.

There’s no intro APR on purchases; those start out at the regular 6.74% to 18.00% (variable) APR.

The Navy Federal Platinum Credit Card comes with a $0 annual fee and a $0 foreign transaction fee.

As long as you can pay off all or most of your balance transfer balance in a year, the Navy Federal Platinum Credit Card is an exceptional choice with its $0 balance transfer fee. However, you must be a Navy Federal Credit Union (NFCU) member to apply for the card. NFCU membership is open to service members in all branches of the United States military (including veterans, retirees and annuitants), family members and civilian employees at the U.S. Department of Defense. Plus, this card offers a chance for an exceptionally low regular APR, and comes with cellphone protection too, so it’s worth keeping after you pay off your balance transfer.

  • Free access to your FICO® Score
  • Collision damage waiver
  • Cellphone protection
  • Travel and emergency assistance

The Navy Federal Platinum Credit Card offers a shorter intro APR than other cards here: 0% intro APR for 12 months on balance transfers made within 60 days of account opening; after, a 6.74% to 18.00% (variable) APR applies. But it stands out with its $0 balance transfer fee — cards with no balance transfer fee are rare.

There’s no intro APR on purchases; those start out at the regular 6.74% to 18.00% (variable) APR.

The Navy Federal Platinum Credit Card comes with a $0 annual fee and a $0 foreign transaction fee.

As long as you can pay off all or most of your balance transfer balance in a year, the Navy Federal Platinum Credit Card is an exceptional choice with its $0 balance transfer fee. However, you must be a Navy Federal Credit Union (NFCU) member to apply for the card. NFCU membership is open to service members in all branches of the United States military (including veterans, retirees and annuitants), family members and civilian employees at the U.S. Department of Defense. Plus, this card offers a chance for an exceptionally low regular APR, and comes with cellphone protection too, so it’s worth keeping after you pay off your balance transfer.

  • Free access to your FICO® Score
  • Collision damage waiver
  • Cellphone protection
  • Travel and emergency assistance
The information related to the Navy Federal Platinum Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Is a balance transfer a good idea?

When deciding whether or not to do a balance transfer, consider the following questions:

  • Do you have a balance transfer offer on an existing credit card?
  • If no to the above, are you willing to apply for a new credit card?
  • Do you have good-to-exceptional credit (a 670 to 850 FICO Score)?
  • How much can you afford to pay each month toward your debt?
  • Are you willing to pay balance transfer fee (typically 3% to 5%)?

If your credit is good enough that you’re likely to be approved for a balance transfer card, and you’re able to budget enough each month that you’ll pay off your debt before the 0% intro APR ends, doing a balance transfer could be a good way to get out of debt faster than you would otherwise. Be aware that you can’t transfer debt between cards from the same issuer — so whether you’re planning to use an offer on an existing card or apply for a new one, it should be from a different credit card company than the card your balance is currently on.

How long does a balance transfer take?

While five to seven days is a good general expectation for how long balance transfers take, know that it will depend on your credit card issuer and your specific situation. For example, Discover notes that transfers to an existing Discover credit card typically process within four days. But if you’re opening a new Discover credit card, your new card will have to be open for 14 days before your balance transfer request can even begin processing.

Tips for a successful balance transfer

To make sure you get the most value out of your balance transfer, take the following steps:

  • Calculate how much you’ll pay if your card charges a balance transfer fee.
  • Know when your 0% intro APR will end and what the regular APR will be.
  • Request your transfer promptly; there might be a limited time to do so.
  • Budget a monthly payment that will cover the full balance within the intro period.
  • Avoid using your card for new purchases until your transfer is paid off.

Frequently asked questions about balance transfers

When it comes to credit cards, your APR is another term for your interest rate. If a credit card offers a 0% intro APR on balance transfers, that means for a certain period of time, you can transfer debt to it and accrue no interest.

You’ll have to make at least the minimum monthly payment even though no interest is accruing, however. And once the intro APR ends, you’ll start accruing interest at the regular APR on any balance that remains.

Yes, you can do more than once balance transfer to the same card, as long as you have the available credit. Note that if your card charges a balance transfer fee, you’ll have to pay a fee for each transfer.

Many balance transfer credit cards charge a 3% to 5% balance transfer fee. There are cards with no balance transfer fee — though they are uncommon, and you might have to qualify for credit union membership to get them. Also note they typically come with shorter 0% intro APR periods, so you should be prepared to pay down your balance quickly.

Glen Luke Flanagan

  • Expertise: Personal finance, credit scoring, credit cards
  • Education: Radford University, East Carolina University

 


 

Glen Luke Flanagan is a senior credit card writer for LendingTree. He joined the team in June 2019, and covers topics including new credit cards, how your credit score works and what you need to know about credit card interest.
 
Before joining LendingTree, Glen worked in journalism and government communications. As a journalist at newspapers in North Carolina and South Carolina, his reporting won awards from the North Carolina Press Association and the South Carolina Press Association, respectively.
 
Glen earned his bachelor’s degree in media studies with a concentration in journalism from Radford University, graduating summa cum laude in May 2014. He also earned a master’s degree in English with a concentration in technical and professional communication, as well as a graduate certificate in marketing, from East Carolina University in May 2022.

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The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.