13 Best balance transfer cards of June 2024
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A balance transfer credit card can help you manage and eliminate debt with introductory APR offers that provide a temporary break from interest charges. The best balance transfer credit cards available from our partners have introductory 0 percent APR offers lasting 15 to 21 months, allowing you to avoid paying interest on a transfer until mid-2025.
Read on to learn more about our picks for the best balance transfer cards of May 2024.
We helped over 600,000 users compare balance transfer cards in 2023
We compared over 100 introductory APRs
Over 47 years of experience helping people make smart financial decisions
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13 Best Balance Transfer Credit Cards with 0% APR for June 2024:
- Best for balance transfer beginners: Wells Fargo Reflect® Card
- Best for everyday spending: Blue Cash Everyday® Card from American Express Card
- Best for low fees: Discover It® Chrome
- Best for good credit: Citi Double Cash® Card
- Best for 2 percent cash rewards: Wells Fargo Active Cash® Card
- Best travel and balance transfer card: Bank of America® Travel Rewards credit card
- Best for dining and drugstores: Chase Freedom Unlimited®
- Best for groceries: Blue Cash Preferred® Card from American Express
- Best for automatic bonus category: Citi Custom Cash® Card
- Best for customizable rewards: Bank of America® Customized Cash Rewards credit card
- Best for late fee refunds: TD FlexPay Credit Card
- Best for low ongoing interest rate: USAA Rate Advantage Credit Card
- Best for unlimited 1.5 percent cash back: Bank of America® Unlimited Cash Rewards credit card
Additional Options:
- Best for no late fees: Citi Simplicity® Card
- Best for no penalty APR: BankAmericard® credit card
- Best credit union balance transfer card: Gold Visa® Card
Table of contents
- How we assess the best balance transfer cards
- What is a balance transfer credit card?
- How much money could you save with a 0% balance transfer?
- What people say about the best balance transfer cards
- Expert advice on how to use a balance transfer card
- Our data: Are balance transfer cards becoming harder to get?
- How much money could you save with a 0% balance transfer?
- In the news
- Frequently asked questions
- Ask the experts
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Compare Bankrate's best 0% balance transfer credit cards
Card Name | Bankrate's pick for |
0% balance transfer intro APR period
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Regular APR |
Bankrate Review Score
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Balance transfer beginners |
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Intro Offer: N/A
Regular APR: 18.24%, 24.74%, or 29.99% Variable APR
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4.3 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Wells Fargo's secure site
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Everyday spending |
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Intro Offer: Earn $200
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Regular APR: 19.24% - 29.99% Variable
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4.6 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on American Express's secure site
See Rates & Fees
, Terms Apply
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Low fees |
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Intro Offer: Cashback Match
Intro Offer: Unlimited Cashback Match for all new cardmembers – 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. Just a dollar-for-dollar match.
Regular APR: 18.24% - 28.24% Variable APR
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4.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Discover's secure site
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Good credit |
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Intro Offer: $200 cash back
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.
Regular APR: 19.24% - 29.24% (Variable)
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4.2 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Citi's secure site
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2% cash rewards |
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Intro Offer: $200 cash rewards
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Regular APR: 20.24%, 25.24%, or 29.99% Variable APR
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4.3 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Wells Fargo's secure site
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Travel and balance transfers |
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Intro Offer: 25,000 points
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Regular APR: 19.24% - 29.24% Variable APR on purchases and balance transfers
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4.1 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Bank of America's secure site
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Dining and drugstores |
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Intro Offer: Up to $300 cash back
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Regular APR: 20.49% - 29.24% Variable
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4.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Chase's secure site
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Groceries |
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Intro Offer: Earn $250
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Regular APR: 19.24% - 29.99% Variable
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4.4 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on American Express's secure site
See Rates & Fees
, Terms Apply
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Automatic bonus category |
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Intro Offer: $200
Earn $200 in cash back after you spend $1500 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.
Regular APR: 19.24% - 29.24% (Variable)
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4.4 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Citi's secure site
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Customizable rewards |
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Intro Offer: $200
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Regular APR: 19.24% - 29.24% Variable APR on purchases and balance transfers
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4.3 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Bank of America's secure site
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Late fee refunds |
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Intro Offer: N/A
Regular APR: 19.24%, 21.24%, 24.24%, 27.24% or 29.24% variable APR based on your creditworthiness.
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4.1 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on TD Bank's secure site
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Low ongoing interest rate |
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Intro Offer: N/A
Regular APR: 12.15% to 26.15% variable
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3.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on USAA's secure site
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Unlimited 1.5 percent cash back |
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Intro Offer: $200
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Regular APR: 19.24% - 29.24% Variable APR on purchases and balance transfers
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3.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Bank of America's secure site
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No penalty APR |
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Intro Offer: N/A
Regular APR: 16.24% - 26.24% Variable APR on purchases and balance transfers
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Credit union card |
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Intro Offer: N/A
Regular APR: 17.99% Variable APR
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