A balance transfer credit card helps you get rid of your credit card debt. If you want to move your existing balance to a balance transfer credit card, or a card that offers 0% intro APR on balance transfers, you've come to the right place. In the market right now, you can find a card that gives you up to 18 months to pay off your debt with zero interest. Getting the best balance transfer card can save you hundreds or thousands of dollars - main things to look out for include the duration of the 0% balance transfer APR period, the balance transfer fees, and the ongoing APRs after the 0% period. Here we list the best balance transfer cards available in the US right now.

GET.com's best balance transfer cards

Best ForCredit Card
Intro APRWells Fargo Platinum card
Long Intro APRCiti® Diamond Preferred® Card- 21 Month Balance Transfer Offer
2% Cash BackCiti® Double Cash Card – 18 month BT offer
No Late FeesCiti Simplicity® Card - No Late Fees Ever

GET.com sorted through all the latest credit card offers direct from card issuers in the U.S. to bring you the best offers with 0% APR on balance transfers. All these cards have no annual fee.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Wells Fargo Platinum card

Wells Fargo Platinum card

APPLY NOWAt Wells Fargo's secure website
  • Pay down balances instead of interest with Wells Fargo’s longest intro APR
  • $0 Annual Fee
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • Select "Apply Now" to learn more about the product features, terms and conditions
APPLY NOWAt Wells Fargo's secure website

0% Intro APR for 18 months on purchases and qualifying balance transfers

15.49%-24.99% (Variable)

$0

Excellent/Good

Wells Fargo Platinum card has a long 0% introductory APR for 18 months on purchases and qualifying balance transfers followed by a 15.49% - 24.99% variable APR. This feature makes this a great card to use if you're planning on making a large purchase or balance transfer. This card also has other useful features: earn up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellphone bill with this card, free access to your FICO® Credit Score and Zero Liability protection. This card has a $0 annual fee.

Best For Longest 0% Intro Period

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Citi<sup>®</sup> Diamond Preferred<sup>®</sup> Card- 21 Month Balance Transfer Offer

Citi® Diamond Preferred® Card- 21 Month Balance Transfer Offer

APPLY NOWAt Citi's secure website
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.
  • 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 EntertainmentSM, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
APPLY NOWAt Citi's secure website

0% for 21 months on Balance Transfers and 12 months on Purchases

13.74% - 23.74% (Variable)

$0

Excellent, Good

Advantages of Citi® Diamond Preferred® Card- 21 Month Balance Transfer Offer:

  • Citi® Diamond Preferred® Card- 21 Month Balance Transfer Offer, a partner card, is our top choice of card among other cards on GET.com if you are looking for the longest interest-free period to pay off your existing card balance. It gives you 0% intro APR for 21 months on balance transfers made in the first 4 months and 0% intro APR for 12 months on purchases. After that you will have a 13.74% - 23.74% variable APR on purchases and balance transfers depending on your creditworthiness. Balance transfer fee is 5% of each balance transfer; $5 minimum.
  • Take advantage of free access to your FICO® Score.

Downsides of Citi® Diamond Preferred® Card- 21 Month Balance Transfer Offer:

  • Citi® Diamond Preferred® Card- 21 Month Balance Transfer Offer doesn't reward you with points or cashback for your purchases.

Bottom line: This card is very useful if you are looking to transfer a balance or make a purchase that will take a while to pay off. The 0% intro APR for 21 months on balance transfers made in the first 4 months and 0% intro APR for 12 months on purchases (13.74% - 23.74% variable APR thereafter) is one of the largest in the market right now. Here's our Citi® Diamond Preferred® Card- 21 Month Balance Transfer Offer review.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Citi<sup>®</sup> Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

APPLY NOWAt Citi's secure website
  • Earn cash back twice. 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.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
APPLY NOWAt Citi's secure website

0% intro APR for 18 months on Balance Transfers

13.99% - 23.99% (Variable)

$0

Why we like it
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Introductory APR offer.
Excellent, Good

Citi® Double Cash Card – 18 month BT offer is a cash back card by Citi that lets you earn 2% cash back on purchases! This is how it works: you earn 1% cash back when you buy, plus an additional 1% as you pay for those purchases. There are no caps on the amount you earn and no category restrictions. There is a 0% intro APR for 18 months on balance transfers and a 13.99% - 23.99% variable APR (based on your creditworthiness) thereafter. Here's our Citi® Double Cash Card – 18 month BT offer review. No annual fee.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Citi Simplicity<sup>®</sup> Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

APPLY NOWAt Citi's secure website
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
APPLY NOWAt Citi's secure website

0% intro APR on Purchases for 12 months and Balance Transfers for 21 months

14.74% - 24.74% (Variable)

$0

We least like
  • No rewards program.
Excellent, Good

Advantages of Citi Simplicity® Card - No Late Fees Ever:

  • Citi Simplicity® Card - No Late Fees Ever, is also an excellent card if you are looking to make a balance transfer or large purchase. It gives you a 0% intro APR on purchases for 12 months and balance transfers for 21 months and 14.74% - 24.74% variable APR thereafter. Keep in mind that there is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • The word 'Simplicity' says it all - there are no late fees or penalty APR to worry about. So if you are late in payments for whatever reason, there's no fear that you'll incur any late fees or an increased APR.
  • You may transfer any amount, but the total amount of your balance transfers and balance transfer fees must be less than your available credit limit.
  • A highlight of this card is that you can transfer any kind of debt to it, including non-credit card debt (like car loans or student loans). The only requisite is that the account number doesn't include any letters and that it contains at least five digits.
  • Get access to your FICO credit score, for free!

Downsides of Citi Simplicity® Card - No Late Fees Ever:

  • You cannot transfer balances from other accounts issued by Citibank.
  • You can't earn rewards on your spending with this card.

Bottom line: This card is great for transferring large balances to, especially when you need a very long interest-free intro period to pay them off. The 0% intro APR on purchases for 12 months and balance transfers for 21 months makes this card one of the best for transferring a large balance or making a large purchase. Here's our Citi Simplicity® Card - No Late Fees Ever review.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Wells Fargo Propel American Express<sup>®</sup> card

Wells Fargo Propel American Express® card

APPLY NOWAt Wells Fargo's secure website
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on popular streaming services
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions
APPLY NOWAt Wells Fargo's secure website

0% Intro APR for 12 months on purchases and qualifying balance transfers

13.99%-25.99% (Variable)

$0

Excellent/Good

Wells Fargo Propel American Express® card is a great option if you're looking to transfer your balance to a card that lets you pay it off without interest over a long time period. With Wells Fargo Propel American Express® card, you enjoy a 0% Intro APR for 12 months on purchases and qualifying balance transfers (balance transfers made within 120 days qualify for the intro rate and fee). After that there is a 13.99% - 25.99% variable APR. Keep in mind that there is a 3% intro balance transfer fee for 120 days, 5% after that with a minimum of $5. On the up side this balance transfer card lets you earn 20,000 bonus points after you spend $1,000 in the first 3 months of being a cardholder. Earn 3X points at gas stations, eating out and travel (including flights, hotels, homestays, rideshares, transit and car rentals), 1X point on any other purchases you make. You are able to redeem points for travel, gift cards, cash redemption options or merchandise through Go Far® Rewards and enjoy exclusive offers on airline tickets you book, hotels, car rentals, and cruises.

Balance Transfer Credit Cards As A Weapon Against Debt

If circumstances have left you up to your neck in debt, it's easy to end up feeling like the situation is hopeless. Compound interest keeps making your debt bigger, and no matter how hard you try to keep up with payments, the debt never seems to go away.

But keeping up with payments is not a solution. In order to escape the treadmill, you will have to pay off your debt. This is where a credit card that offers a long introductory APR period on balance transfers can help. Although getting another credit card may seem like anything but a good idea, especially if credit cards have gotten you into debt in the first place, the opposite can be true if you can use your card responsibly.

A balance transfer credit card offers temporary relief from interest payments, giving you time to catch your breath and make a debt repayment plan. That's because all of the payments you make will actually pay off your debt, rather than paying for interest charges. You should always look for a card that offers a 0% intro APR on balance transfers (there are plenty of these so getting a card with anything but a 0% interest rate during the intro period is pointless.

When choosing a balance transfer credit card, it's very important that you understand balance transfer fees. These are fees charged by credit card companies every time you make a balance transfer. Most card charge 3% of the full amount you transfer, with a minimum of $5. That can add up to a lot of money.

Using a credit card with no balance transfer fee can help here, but it's rare to find a credit card that offers both no balance transfer fee and a long 0% intro APR period for balance transfers.

Although most balance transfer credit cards only let you transfer debt from other credit cards, there are a few that also let you transfer other types of debt. If you do transfer other kinds of debt like auto loans, personal loans or store credit balances, make sure that you continue to make your different payments until you receive notice from your credit card company that the balances have been transferred. Since the credit card company will usually pay what you owe directly to your creditors in one shot, it's important to check into whether those loans can be paid off in one go, or whether you are tied into a fixed loan tenure.

When transferring non-credit card debt to a new balance transfer credit card, always check and double check with your credit card company to make sure that kind of debt qualifies as a balance transfer. While you may still be able to transfer debt that doesn't qualify (by using checks for example), these may be counted as cash advances rather than balance transfers, and cash advances come with nasty fees, high APRs and generally no low intro APR periods.

How Do I Get Rid Of My Debt?

Once you've settled on the right balance transfer credit card to put a plug in the interest payment money drain, you can refer to our guide to getting out of debt for advice on paying off what you owe and remaining debt-free.