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Best Balance Transfer Credit Cards

Recommended credit score:Good to Excellent
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on American Express's secure site

See Rates & Fees, Terms Apply

Bankrate score

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4.6
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Bankrate review

Purchase intro APR

0% on purchases for 15 months

APR

19.49%-28.49% Variable

Intro offer

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Earn $200

Rewards rate

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1% - 3%

Why you'll like this: It offers a solid intro APR and strong rewards rates for popular everyday spending categories.

Recommended credit score:670 - 850
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on Chase's secure site

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Bankrate score

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5.0
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Bankrate review

Intro offer

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Earn $200 cash back

Rewards rate

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1.5% - 5%

Annual fee

$0

Regular APR

18.24% - 27.74% Variable

Why you'll like this: Its high base rewards rate and everyday bonus categories make it an excellent foundation for any Chase card stack.

Recommended credit score:Good to Excellent
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on American Express's secure site

See Rates & Fees, Terms Apply

Bankrate score

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4.4
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Bankrate review

Intro offer

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Earn $250

Rewards rate

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1% - 6%

Annual fee

$0 intro annual fee for the first year, then $95.

APR

19.49%-28.49% Variable

Best for Long Intro APRs

Wells Fargo Reflect® Card

Bankrate score

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4.3
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Bankrate review
Recommended credit score:670 - 850
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on Wells Fargo's secure site

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Balance transfer intro APR

0% intro APR for 21 months from account opening on qualifying balance transfers

Regular APR

17.49%, 23.99%, or 28.24% Variable APR

Rewards rate

N/A

Annual fee

$0

Best for flexibility

Citi Custom Cash® Card

Citi Custom Cash® Card

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Bankrate score

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4.4
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Bankrate review
Recommended credit score:670 - 850
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Intro offer

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$200

Rewards rate

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1% - 5%

Annual fee

$0

Regular APR

17.49% - 27.49% (Variable)