9 Best Balance Transfer Credit Cards in November 2025: Compare Intro APR and Low Fee Options
What is the best balance transfer credit card?
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What is the best balance transfer credit card?
Citi Simplicity® Card
The Citi Simplicity® Card stands out with one of the longest introductory APR periods on balance transfers, a low intro balance transfer fee, and a $0 annual fee — making it a smart choice for anyone ready to escape high-interest credit card debt.
Key takeaways
- A balance transfer credit card offers an introductory 0% APR period that lets you consolidate debt from other cards, save money on high-interest payments and pay off debt faster.
- We found that the longest 0% APR balance transfer offer is 24 months, so you won’t pay interest until 2027.
- The best cards for balance transfer could save you more than $1,000 in interest, depending on how much you transfer and pay off.
- Balance transfers could take anywhere from a few days to a few weeks to post to your account.
- Although opening a new balance transfer credit card can temporarily bring down your credit score, tackling your debt and improving your credit utilization ratio can improve your credit in the long run.
Tackling high-interest credit card debt can feel like an uphill battle, but the right balance transfer card can help you make real progress. Moving high-interest debt to a card with a 0% intro APR lets you focus on paying down your balance. Zero-interest periods usually last from 15 to 24 months — giving you a large window to chip away at your debt.
Below, we compare the best balance transfer credit cards for November 2025, focusing on intro APR length, balance transfer fees and how much you could save with them.
Compare the top balance transfer credit cards
| Credit Cards | Our Ratings | Intro Balance Transfer APR | Regular Balance Transfer Rate | Rewards Rate | |
|---|---|---|---|---|---|
Citi Simplicity® Card
Apply Now
on Citibank's secure site Rates & Fees |
Best overall value
|
0% intro APR for 21 months on Balance Transfers | 17.74% - 28.49% (Variable) | N/A |
Apply Now
on Citibank's secure site Rates & Fees |
U.S. Bank Shield™ Visa® Card*
|
Longest intro APR (24 months)
|
0% intro APR on balance transfers for the first 24 billing cycles after card opening | 17.24% - 28.24% variable APR | 4% cash back
| |
Citi Double Cash® Card
Apply Now
on Citibank's secure site Rates & Fees |
Cash back
|
0% intro APR for 18 months on Balance Transfers | 17.74% - 27.74% (Variable) | 2% - 5% cash back
|
Apply Now
on Citibank's secure site Rates & Fees |
Citi® Diamond Preferred® Card
Apply Now
on Citibank's secure site Rates & Fees |
Long intro APR (21 months)
|
0% intro APR for 21 months on Balance Transfers | 16.74% - 27.49% (Variable) | N/A |
Apply Now
on Citibank's secure site Rates & Fees |
Wells Fargo Reflect® Card*
|
Long intro APR (21 months)
|
0% intro APR for 21 months from account opening on qualifying balance transfers | 17.74%, 24.24%, or 28.49% Variable APR | N/A | |
BankAmericard® credit card*
|
18-month intro APR
|
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days | 14.74% - 24.74% Variable APR on balance transfers | N/A | |
BankAmericard® Credit Card for Students*
|
Best student credit card for balance transfers
|
0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days | 14.99% - 24.99% Variable APR | N/A | |
Columbia Bank Visa® Business Card*
|
Best business credit card for balance transfers
|
0% introductory APR for the first 18 billing cycles on balance transfers | 16.49%-25.49% variable | N/A | |
ESL Visa® Credit Card*
|
No balance transfer fee
|
0% introductory APR for 12 months | 12.00% - 17.99% Variable | N/A |
Methodology: How we chose the best balance transfer credit cards
We take a comprehensive, data-driven approach to identify the best 0% balance transfer credit cards. We use an objective rating and ranking system that evaluates over 200 credit cards from more than 50 issuers. All recommendations are made by LendingTree’s editorial team, completely independent of affiliate partnerships or compensation. Every card is selected based on its merit and ability to help people achieve their financial goals. We use the following criteria to make our picks:
We calculate the amount you’ll save on a balance transfer, based on the length of the introductory period. We assume a transfer amount of $6,000 and a monthly payment of $300. We subtract balance transfer fees, annual fees and the amount paid on interest for any amount left over after the introductory period expires.
Note that our ratings are a starting point for comparing and choosing the best balance transfer credit cards. However, your balance transfer needs may be different from the average cardholder. You should consider the amount you’re likely to transfer and which benefits you value to choose the best card for you.
Best overall value
Citi Simplicity® Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Intro balance transfer APR: 0% intro APR for 21 months on Balance Transfers; then a 17.74% - 28.49% (Variable) APR applies
- $0 annual fee
- No late fees
- No penalty APR
- Long intro balance transfer and purchase APR
- Intro balance transfer fee
- No rewards
- No sign-up bonus
- Shorter intro APR on purchases than balance transfers
The Citi Simplicity® Card lives up to its name — it’s a no-frills card with one of the longest intro APR periods on balance transfers of any card. It doesn’t have a sign-up bonus or rewards program, but it does offer a low introductory balance transfer fee and nearly two years of breathing room to pay down debt.
Additional card details
- Potential savings: $1,360*
- Annual fee: $0
- Intro balance transfer APR: 0% intro APR for 21 months on Balance Transfers
- Regular balance transfer APR: 17.74% - 28.49% (Variable) APR
- Balance transfer fee: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
- Rewards rate: N/A
What forum users say about credit limits: A potentially low starting limit may be a drawback of this card. Many complain about starting limits as low as $500. However, others have better luck. For example, one user reported: “They approved me for a $4,000 credit limit.”
→ Learn more about the Citi Simplicity® Card
*Assuming $6,000 balance transfer, 20% APR and $300 monthly payment
*Based on LendingTree’s value methodology
- Click APPLY NOW to apply online.
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 17.74% - 28.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Stay protected with Citi® Quick Lock
- Rates & Fees
Best for longest intro APR period
U.S. Bank Shield™ Visa® Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro balance transfer APR: 0% intro APR on balance transfers for the first 24 billing cycles after card opening, then 17.24% - 28.24% variable APR
- Longest intro APR on balance transfers among featured cards
- Equally long intro APR on purchases
- $0 annual fee
- Cell phone protection
- Rewards on travel
- Cash back program is limited to travel
- High balance transfer fee
The U.S. Bank Shield™ Visa® Card has the longest intro APR for balance transfers among major credit card issuers. You’ll have to pay a higher-than-usual balance transfer fee of 5% of each transfer amount, $5 minimum. But you’ll be hard-pressed to find a longer intro period.
Additional card details
- Potential savings: $1,060*
- Annual fee: $0
- Intro balance transfer APR: 0% intro APR on balance transfers for the first 24 billing cycles after card opening
- Regular balance transfer APR: 17.24% - 28.24% variable APR
- Balance transfer fee: 5% of each transfer amount, $5 minimum
- Rewards rate: 4% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center when you use your card
What forum users say about credit limits: LendingTree data suggests that U.S. Bank is generous with starting limits, and some forum posts support this. For example, a user notes: “I just got approved today. They gave me a $10k limit.”
→ Learn more about the U.S. Bank Shield™ Visa® Card
*Assuming $6,000 balance transfer, 20% APR and $300 monthly payment
*Based on LendingTree’s value methodology
- For a limited time, get a special 0% intro APR on purchases and balance transfers for 24 billing cycles. After that the APR is variable, currently 17.49% - 28.49%.
- 4% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center when you use your card
- $0 annual fee
- Earn a $20 annual statement credit for 11 consecutive months of purchases.
- Get up to $600 reimbursed if your cell phone is stolen or damaged when you pay your monthly cellular bill with your card.
- Free credit score access
Best for cash back
Citi Double Cash® Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Intro balance transfer APR: 0% intro APR for 18 months on Balance Transfers, then 17.74% - 27.74% (Variable) APR
- Long intro APR on balance transfers
- $0 annual fee
- Reasonable balance transfer fee
- Earns flat-rate cash back rewards
- Can pool ThankYou® Point earnings with the Citi Strata Premier® Card
- No intro APR period for new purchases
- You don’t earn the full cash back rate immediately
The Citi Double Cash® Card strikes a rare balance — it helps you save on balance transfers while earning one of the highest flat cash back rates around. Though it doesn’t have the longest intro period, cardholders who pay their balance down at a steady pace are likely to get more savings with this card over a two-year period, thanks to its cash rewards. Plus, the rewards make it worth keeping in your wallet after your balance is paid off.
Additional card details
- Potential savings: $1,162*
- Annual fee: $0
- Intro balance transfer APR: 0% intro APR for 18 months on Balance Transfers
- Regular balance transfer APR: 17.74% - 27.74% (Variable)
- Balance transfer fee: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
- 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, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
What forum users say about credit limits: Like other Citi cards, there are many reports of starting limits as low as $500, though some claim much higher starting limits. States one cardholder: “I was approved for the Citi Double Cash® Card with a $12,200 limit this morning.”
→ Learn more about the Citi Double Cash® Card
*Assuming $6,000 balance transfer, 20% APR and $300 monthly payment
*Based on LendingTree’s value methodology
- Click APPLY NOW to apply online.
- 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.
- 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, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Rates & Fees
Best for 21-month intro APR
Citi® Diamond Preferred® Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Intro balance transfer APR: 0% intro APR for 21 months on Balance Transfers, then 16.74% - 27.49% (Variable)
- Very long intro APR on balance transfers
- Intro APR on new purchases
- $0 annual fee
- No rewards program
- High balance transfer fee
The Citi® Diamond Preferred® Card also offers one of the longest intro APRs around, which can save you significantly on paying down a balance. Beware, though: It charges a higher balance transfer fee than many other balance transfer cards. The fee can take a huge chunk out of your savings, even with such a generous intro period.
Additional card details
- Potential savings: $1,060*
- Annual fee: $0
- Intro balance transfer APR: 0% intro APR for 21 months on Balance Transfers
- Regular balance transfer APR: 16.74% - 27.49% (Variable)
- Balance transfer fee: Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
- Rewards rate: N/A
What forum users say about credit limits: Some cardholders report starting limits of $500, while others report higher starting limits. For example: “Ended up getting a credit limit of $2,000.”
→ Learn more about the Citi® Diamond Preferred® Card
*Assuming $6,000 balance transfer, 20% APR and $300 monthly payment
*Based on LendingTree’s value methodology
- Click APPLY NOW to apply online.
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.74% - 27.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
- Rates & Fees
Best for 21-month intro APR + potentially low regular APR
Wells Fargo Reflect® Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro balance transfer APR: 0% intro APR for 21 months from account opening on qualifying balance transfers, then a 17.74%, 24.24%, or 28.49% Variable APR
- Very long intro APR on qualifying balance transfers
- Equally long intro period on new purchases
- $0 annual fee
- Cellphone protection
- No rewards program
- High balance transfer fee
The Wells Fargo Reflect® Card has an exceptionally long intro period for qualifying balance transfers. Like the Citi® Diamond Preferred® Card it does come with a hefty transfer fee — but its potentially lower ongoing APR can help you save even more in the long run.
Additional card details
- Potential savings: $1,060*
- Annual fee: $0
- Intro balance transfer APR: 0% intro APR for 21 months from account opening on qualifying balance transfers
- Regular balance transfer APR: 17.74%, 24.24%, or 28.49% Variable APR
- Balance transfer fee: 5%, min: $5
- Rewards rate: None
What forum users say about credit limits: There are many reports of very high starting limits with this card — from $10,000 to as high as $30,000. However, some report very low starting limits: “Sign up and get approved. $1,000 CREDIT LIMIT, HERE SON ENJOY YOUR CARD.”
→ Learn more about the Wells Fargo Reflect® Card
*Assuming $6,000 balance transfer, 20% APR and $300 monthly payment
*Based on LendingTree’s value methodology
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Best for 18-month intro APR
BankAmericard® credit card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro balance transfer APR: 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, then 14.74% - 24.74% Variable APR on balance transfers
- Long intro APR on balance transfers
- Equally long intro APR on purchases
- $0 annual fee
- Reasonable balance transfer fee
- Penalty APR: None
- No rewards program
- Few other features
The BankAmericard® credit card keeps things simple and affordable, offering a long intro APR for balance transfers completed within 60 days. While it’s not the absolute longest intro period, its modest transfer fee and low ongoing APR make it a solid pick for anyone seeking a no-frills way to tackle debt. Plus, with the same intro offer on new purchases and no penalty APR, it gives you extra peace of mind if you miss a payment.
Additional card details
- Potential savings: $1,164*
- Annual fee: $0
- Intro balance transfer APR: 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
- Regular balance transfer APR: 14.74% - 24.74% Variable APR on balance transfers
- Balance transfer fee: 3% intro fee for 60 days, then 4%
- Rewards rate: N/A
What forum users say about credit limits: Many forum users report sturdy starting limits on this card, ranging from $5,000 to as high as $17,000.
→ Learn more about the BankAmericard® credit card
*Assuming $6,000 balance transfer, 20% APR and $300 monthly payment
*>Based on LendingTree’s value methodology
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, a 14.74% - 24.74% Variable APR will apply. A 3% intro fee for 60 days, then 4% applies to all balance transfers.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Best student credit card for balance transfers
BankAmericard® Credit Card for Students*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro balance transfer APR: 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, then 14.99% - 24.99% Variable APR
- Long intro APR on balance transfers
- Equally long intro APR on purchases
- $0 annual fee
- Reasonable balance transfer fee
- Penalty APR: None
- No sign-up bonus
- No rewards program
For students looking to tackle credit card debt, the BankAmericard® Credit Card for Students delivers standout value. It has a $0 annual fee and offers the longest intro period of any of the student credit cards we’ve reviewed. Add in a lengthy intro APR on new purchases, free FICO® Score access and built-in credit education tools, and it’s a smart choice for building financial confidence while saving on interest.
Additional card details
- Potential savings: $1,164
- Annual fee: $0
- Intro balance transfer APR: 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
- Regular balance transfer APR: 14.99% - 24.99% Variable APR
- Balance transfer fee: 3% intro fee for 60 days, then 4%.
- Rewards rate: N/A
What forum users say about credit limits: As a starter credit card, the credit limit is likely to be low. Some forum users report starting limits of $500 to $700 with Bank of America student cards.
*Assuming $6,000 balance transfer, 20% APR and $300 monthly payment
*Based on LendingTree’s value methodology
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Best business credit card for balance transfers
Columbia Bank Visa® Business Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro balance transfer APR:0% introductory APR for the first 18 billing cycles on balance transfers, then a 16.49%-25.49% variable APR applies
- $0 annual fee
- Potentially low ongoing APR
- Free employee cards
- No rewards or sign-up bonus
- Only available near the West Coast
The Columbia Bank Visa® Business Card can be a smart move for small business owners trying to pay off high-interest debt. With a generous intro balance transfer APR and a possibly low ongoing rate, it offers breathing room now — and a low APR later if you need to carry a balance.
Just note: It’s not available everywhere. You have to apply for the card in person, and branches are only located in West Coast states, including California, Oregon, Washington, Idaho, Nevada, Utah, Arizona and Colorado.
Tip: The card is issued by Elan Financial Services, which partners with many small banks and credit unions nationwide, so you may be able to find the same offer closer to home.
Additional card details
- Potential savings: $1,163
- Annual fee: $0
- Intro balance transfer APR: 0% introductory APR for the first 18 billing cycles on balance transfers
- Regular balance transfer APR: 16.49%-25.49% variable APR
- Balance transfer fee: 3%, or $5 minimum for the first 558 days from account opening, followed by 5% or $5 minimum
- Rewards rate: N/A
What forum users say about credit limits: Elan Financial Services has a reputation for offering fairly high limits on its business cards — between $10,000 to $50,000 — though there are reports of lower limits: “Received an email from ‘Cardmember Service’ on 3/27 (two business days later) stating I had been approved for a credit line of $3,000.”
*Assuming $6,000 balance transfer, 20% APR and $300 monthly payment
*Based on LendingTree’s value methodology
- 0% introductory APR for the first 18 billing cycles on balance transfers, followed by a 16.49%-25.49% variable APR
- 0% introductory APR for the first 18 billing cycles for purchases, followed by a 16.49%-25.49% variable APR
- No annual fee
- Pay over time with a Card ExtendPay plan
- Free employee cards
Best for no balance transfer fee
ESL Visa® Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro balance transfer APR: 0% introductory APR for 12 months, then 12.00% - 17.99% Variable
- $0 balance transfer fee
- Intro period on both balance transfers and purchases
- Low regular APR
- Intro periods are on the short side
- Must join ESL Federal Credit Union
Since it has a $0 balance transfer fee, the ESL Visa® Credit Card offers some of the greatest potential savings. It’s our highest-rated credit card with no balance transfer fee, pairing a generous intro APR on both balance transfers and new purchases with a low ongoing rate. The catch? You’ll need to be a member of ESL Federal Credit Union to apply — though joining the George Eastman Museum in Rochester, New York, provides an easier path for eligibility.
Additional card details
- Potential savings: $1,210*
- Annual fee: $0
- Intro balance transfer APR: 0% introductory APR for 12 months
- Regular balance transfer APR: 12.00% - 17.99% Variable
- Balance transfer fee: $0
- Rewards rate: N/A
What forum users say about credit limits: We could not find forum posts on starting limits for this card. However, ESL’s website shows that starting limits can range from $500 to $25,000.
→ Learn more about the ESL Visa® Credit Card
*Assuming $6,000 balance transfer, 20% APR and $300 monthly payment
*Based on LendingTree’s value methodology
- Save money with our 0% introductory APR for 12 months on balance transfers
- Save even more with our low ongoing rate of 12.00% - 17.99% Variable APR.1
- No annual fees.1
- No fees for balance transfers.1
- Get the powerful protection of the Visa Zero Liability Policy.2
- Emergency ticket replacement and other travel and emergency assistance.
- Auto rental insurance automatically covering vehicle damage or theft up to the full value of most vehicles when you rent a car with your ESL visa credit card.
- Extended warranty protection.
How much can I save with a balance transfer?
A long 0% intro APR can deliver major savings on a balance transfer — but a low or no balance transfer fee can stretch those savings even further. As the chart below shows, fees play a big role in how much you’ll actually save. For example, even with a shorter intro period, the ESL Visa® Credit Card can beat the Citi Double Cash® Card and U.S. Bank Shield™ Visa® Card on total savings thanks to its $0 balance transfer fee. While those other cards still offer strong value, their transfer fees do take a bite out of your potential savings.
Estimated savings on a $6,000 balance transfer
| Card | Intro APR on balance transfers | Balance transfer fee | Balance transfer cost | Estimated savings* |
|---|---|---|---|---|
| ESL Visa® Credit Card | 0% introductory APR for 12 months, then 12.00% - 17.99% Variable | $0 | $0 | $1,210 |
| Citi Double Cash® Card | 0% intro APR for 18 months on Balance Transfers; then a 17.74% - 27.74% (Variable) APR applies | There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5) | $180 | $1,162 |
| U.S. Bank Shield™ Visa® Card | 0% intro APR on balance transfers for the first 24 billing cycles after card opening, then 17.24% - 28.24% variable APR | 5% of each transfer amount, $5 minimum | $300 | $1,060 |
What kind of credit limit will I get?
Your starting credit limit can vary widely depending on your credit score — and it may not always be high enough to cover your full balance transfer. Generally, the higher your credit score, the higher your limit is likely to be. Also, some card issuers can be more generous with starting limits than others.
A LendingTree analysis shows that issuers like Chase and American Express tend to offer more generous starting limits, while Citi and Discover typically extend smaller ones. For example, we found that cardholders with excellent credit (760 and above) receive starting limits of nearly $19,000 with American Express on average, compared with just over $7,000 with Discover. That means where you apply — and how strong your credit profile is — can make a big difference in how much of your debt you’re able to transfer.
Average credit card limits for new cards from major issuers by cardholder credit score
| Card Issuer | 760 and Up | 720 - 749 | 680 -719 | 640 - 679 | 600 - 639 | 560 - 599 | 520 - 559 | Under 520 | All Scores |
|---|---|---|---|---|---|---|---|---|---|
 | $18,962 | $11,217 | $7,640 | $7,598 | $7,830 | $8,944 | $10,433 | $9,857 | $12,177 |
 | $16,839 | $11,376 | $8,168 | $7,595 | $6,170 | $4,644 | $4,208 | $5,144 | $11,436 |
 | $10,353 | $8,070 | $4,760 | $3,483 | $2,571 | $2,268 | $2,405 | $2,464 | $6,042 |
 | $11,416 | $6,026 | $2,667 | $1,405 | $842 | $600 | $501 | $461 | $1,474 |
 | $15,231 | $11,078 | $7,241 | $5,960 | $5,279 | $5,008 | $4,889 | $5,398 | $8,960 |
 | $8,663 | $7,542 | $5,948 | $4,998 | $4,357 | $4,103 | $4,205 | $4,248 | $6,346 |
 | $7,263 | $6,656 | $4,674 | $3,481 | $2,056 | $1,340 | $1,208 | $1,359 | $4,384 |
 | $18,819 | $14,099 | $8,819 | $6,331 | $4,361 | $2,798 | $1,926 | $1,429 | $5,421 |
 | $15,697 | $9,704 | $5,261 | $2,874 | $2,125 | $1,573 | $1,357 | $1,406 | $3,629 |
 | $13,676 | $8,090 | $4,374 | $2,737 | $1,805 | $1,494 | $1,532 | $1,644 | $5,199 |
 | $12,074 | $9,356 | $7,607 | $7,646 | $6,833 | $7,294 | $7,425 | $8,229 | $9,498 |
| All Issuers | $13,866 | $9,260 | $6,014 | $4,410 | $2,796 | $1,734 | $1,311 | $1,274 | $6,123 |
How to do a balance transfer on a credit card
Follow these steps to make sure your transfer goes smoothly and that you take full advantage of your 0% balance transfer intro APR period:
- Check your credit score and balance amount
Knowing your credit score can help you narrow down your choices. - Compare balance transfer offers
Look at the cards’ annual fees, intro APR lengths, and regular APRs to find the best fit for you. - Get prequalified for balance transfer cards
Credit card preapproval can help you get an idea of the types of cards you might qualify for. - Apply for the card online and initiate the transfer
Once you get approved, you should be directed online on how to complete your transfer. - Pay off your balance during the intro period
Know your card’s intro APR end date so you can calculate how much you need to pay each month to pay off your debt.
Balance transfers by issuer
| Bank | Best balance transfer card | Balance transfer guide | Typical transfer window | Time to post |
|---|---|---|---|---|
| Citi | Citi Simplicity® Card | How to do a Citi balance transfer | Four months from account opening | Two to 21 days |
| Chase | Chase Slate Edge℠ | How to do a Chase balance transfer | 60 days from account opening | Seven to 21 days |
| American Express | Blue Cash Everyday® Card from American Express | How to do an American Express balance transfer | 60 days from account opening | Five to seven days |
| Capital One | Capital One Savor Cash Rewards Credit Card | How to do a Capital One balance transfer | 12 months from account opening | Up to 15 days |
| Wells Fargo | Wells Fargo Reflect® Card | How to do a Wells Fargo balance transfer | 120 days from account opening | Up to 14 days |
| U.S. Bank | U.S. Bank Shield™ Visa® Card | How to do a U.S. Bank balance transfer | 60 days from account opening | Up to 14 days |
Pitfalls to avoid
It’s relatively simple to transfer a balance from a credit card, but there are mistakes you can make that can make it harder to get rid of your balance.
- Making new purchases on your card can undermine the benefit of your 0% APR, since new charges typically accrue interest immediately.
- Not checking to see if your balance transfer is posted can cause you to accrue extra interest. Delays sometimes happen, and some cardholders have waited weeks.
- Selecting the wrong issuer. A balance transfer only works if you switch issuers. For example, you can’t move debt from one Citi card to another.
- Not setting reminders for important dates. Don’t let your balance transfer’s end date sneak up on you. Set a reminder about 60 days before it ends.
- Opting for a card with deferred interest instead of 0% interest. With deferred interest, charges quietly pile up during your promo period — and hit all at once when it ends.
How to choose a balance transfer credit card
Balance transfer credit cards help you save on interest — but they’re not all the same. Annual fees, balance transfer fees, ongoing APRs and credit requirements can all differ between balance transfer cards. To find the one that’s best for you, look at these features of cards before you apply.
- Look at the length of the APR.
Apply for cards that offer an intro period long enough to allow you to pay off as much debt as possible. - See if you qualify for no-balance-transfer fee cards
Although they can be hard to come by, no-balance-transfer-fee credit cards can help you potentially save more than a card with a longer APR. Check your local credit union’s offerings. - Find out if you prequalify for balance transfer cards.
Getting prequalified for a credit card is free and has no impact on your credit score (unless you apply for the card after getting preapproved). There’s no guarantee you’ll be approved once you apply, but you can eliminate cards you’re probably not qualified for. - Compare credit card limits.
Balance transfer cards often cap how much you can move, so check with issuers to see if your full balance fits — and plan ahead in case a second transfer is needed. - Look at the card’s regular APR.
If you think you might carry a balance in the future, choosing a credit card with a low interest rate can help prevent you from accruing more debt in interest. - Consider the card’s long-term value.
Paying down your balance should come first — but if you can find a card that gives you time to do it and offers lasting perks, that’s icing on the cake.
Pros and cons of balance transfer cards
Pros
- Can offer up to 24 months to pay off your balance
- Can save money on paying down a balance even after fees
- Simplifies your payments if you’re transferring from multiple cards
- Can help improve your credit score in the long run if you avoid new debt and lower your utilization
Cons
- Can charge balance transfer fees of 3%-5%
- You may not be approved for a limit high enough to cover all of your debt
- New purchases on the balance transfer card can accrue interest immediately
- Can temporarily hurt your credit score with a hard credit check and a higher credit utilization ratio on one card
How to pay off credit card debt with a balance transfer
Paying off your high-interest debt with a balance transfer credit card is achievable if you plan ahead. First, take your total payment amount (your initial balance + your balance transfer fee) and divide it by the number of months your balance transfer intro period lasts.
For example, if you’re transferring $6,000 at a 3% fee, that amounts to $6,180. If you divide that by an 18-month-long intro APR period, you’ll have to pay $343 per month to pay the balance off in full.
Here are some other tips that can help you when planning ahead and actively managing your balance transfer:
- Initiate a balance transfer immediately.
Do the transfer as soon as you get approved — especially if the card comes with an intro balance transfer fee. - Set up automatic payments.
Set a fixed amount that you can pay each month that will help you pay your balance off by the time your intro balance transfer APR period ends. - Don’t spend money on the balance transfer card.
This can make paying down your balance harder. If the card offers rewards, you should take advantage of them after the balance transfer is paid off. - Check your progress halfway through your intro APR period.
If the card’s limit won’t end up covering everything by the end of the period, consider a partial second balance transfer. - Check your progress again 60 days before your balance transfer ends.
If you still have a balance, ask for an APR reduction or roll the remainder to a different bank’s balance transfer card.
LendingTree research: Don't ignore the post-introductory APR
If two cards offer similar intro deals, look closely at the ongoing APR — it can make a big difference if you don’t pay off your balance in time. Our research on balance transfer cards shows that the 6% gap between a card with an 18% APR versus a card with a 24% APR could mean an extra $2,064 in your pocket.
Alternatives to balance transfer credit cards
When a balance transfer isn’t right, but you still need to take action to alleviate your credit card debt, try one of the following alternatives to a balance transfer.
-
Ask your issuer to lower your interest rate
A LendingTree study found that more than 3 in 4 cardholders (76%) who asked for a lower APR on credit cards got one in the past year. You can also request to waive an annual fee or downgrade your card.
-
Take out a debt consolidation loan
A debt consolidation loan lets you roll multiple balances into one manageable payment — often with a lower interest rate than your credit card. In some cases, a personal loan is a better option than a balance transfer, especially if you can’t qualify for a 0% intro APR.
-
Make more than the minimum payment
Making only the minimum payment on your credit card is one of the costliest financial mistakes you can make. Find a strategy that helps you pay down your balance faster, like the debt snowball or debt avalanche method.
-
Home equity loan
A home equity loan or a home equity line of credit can be a powerful tool for paying down debt — offering more flexibility and lower rates than most credit cards.
-
Debt relief or debt settlement service
DIY debt payoff works for some — but if you’re overwhelmed, a debt relief program or debt settlement service may be right for you.
→ Learn more: How to pay off $5,000 in debt
Additional info about balance transfers
- What is a balance transfer fee and how does it work?
- What’s the maximum balance transfer you can do?
- 5 options if a balance transfer credit limit isn’t enough
- How long does a balance transfer take?
- Does a balance transfer hurt your credit?
- How to find a balance transfer card with bad credit or fair credit
- Balance transfer vs. personal loan
9 top balance transfer cards
- Best overall: Citi Simplicity® Card
- Best for longest intro APR period: U.S. Bank Shield™ Visa® Card
- Best for cash back: Citi Double Cash® Card
- Best for 21-month intro APR: Citi® Diamond Preferred® Card
- Best for 21-month intro APR + potentially low ongoing APR: Wells Fargo Reflect® Card
- Best for 18-month intro APR: BankAmericard® credit card
- Best student card for balance transfers: BankAmericard® Credit Card for Students
- Best business card for balance transfers: Columbia Bank Visa® Business Card
- Best for no balance transfer fee: ESL Visa® Credit Card
Frequently asked questions
A balance transfer credit card is a card that offers a lower introductory APR, typically for six to 24 months. This allows you to make significant traction on paying down your credit card balance, since almost every penny goes toward the principal.
A balance transfer can be a smart move — and a money saver — if you’re carrying high-interest debt. Just be sure you have a clear payoff plan to make the most of your 0% APR window.
A balance transfer APR is the interest rate that you’ll be charged for balance transfers. It often matches the purchase APR, although sometimes it can be higher or lower.
No, most issuers won’t allow balance transfers between their own cards. You’ll need to choose a card from a different issuer to transfer a balance.
Yes and no. Opening a new card for a balance transfer might cause a small, temporary dip in your credit score. But if you use it to pay down debt and lower your utilization, your credit can actually improve over time.
The easiest balance transfer credit card to get is one that best aligns with your credit score. Of the best credit cards for balance transfers that made our list, the Citi Double Cash® Card accepts applicants with good / excellent credit scores.
A balance transfer can take a few days or up to a few weeks, depending on how fast your old card processes the payment. To avoid late payments or additional interest, keep making payments on your original card until you get confirmation that the transfer is complete.
Yes and no. In the short term, particularly if you open a new credit card to do a balance transfer, your credit score may drop minimally. But if you use the balance transfer to reduce your overall debt, in the long-term, it may help build your credit.
→ Learn more about how balance transfers impact your credit
A balance transfer fee is a one-time charge — usually 3% to 5% of the amount you move, with a minimum fee of $5 to $10. It’s a small cost that can lead to much bigger interest savings if you pay off your balance strategically.
If you have a bad credit score, you’re unlikely to get approved for a balance transfer card. There are a few cards for limited / poor credit, like the Discover it® Secured Credit Card, that offer a lower rate on balance transfers, but such cards are rare. The vast majority of balance transfer cards require good credit.
If your score is too low to qualify for a balance transfer card, you should consider alternative ways to get out of debt, such as the debt snowball or debt avalanche methods.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the U.S. Bank Shield™ Visa® Card, Wells Fargo Reflect® Card, BankAmericard® credit card, BankAmericard® Credit Card for Students, Columbia Bank Visa® Business Card, ESL Visa® Credit Card, Chase Slate Edge℠, Navy Federal Platinum Credit Card and Edward Jones Business Plus MasterCard Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
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