{"id":2481792,"date":"2024-01-04T07:08:38","date_gmt":"2024-01-04T12:08:38","guid":{"rendered":"https:\/\/www.valuewalk.com\/?post_type=commercial&#038;p=2481792"},"modified":"2024-01-09T07:58:30","modified_gmt":"2024-01-09T12:58:30","slug":"best-balance-transfer-cards-cur-year","status":"publish","type":"comparisons","link":"https:\/\/www.valuewalk.com\/credit-cards\/best-balance-transfer-cards\/","title":{"rendered":"Best Balance Transfer Cards 2025"},"content":{"rendered":"\n<p>When used correctly, balance transfer cards can be a smart way to manage debt \u2013 especially if you\u2019re currently paying high-interest rates. Many balance transfer cards offer 0% APRs for extended periods, often for at least 12 months. <\/p>\n\n\n\n<p>But which balance transfer card is best for <em>your<\/em> circumstances?<\/p>\n\n\n\n<p>This guide compares the 10 <strong>best balance transfer cards<\/strong> for 2025. Our methodology ranks the top credit cards for balance transfer fees, limits, interest-free time frames, eligibility, rewards, and more. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-balance-transfer-cards-reviewed-for-cur-year\"><span id=\"best_balance_transfer_cards_reviewed_for_cur_year\">Best Balance Transfer Cards Reviewed for 2025<\/span><\/h2>\n\n\n\n<p>Read on to discover the best balance transfer cards 2025.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-citi-simplicity-card-overall-best-balance-transfer-card-nbsp\"><strong>1. Citi Simplicity\u00ae Card: Overall Best Balance Transfer Card\u00a0<\/strong><\/h3>\n\n\n\n<p>Our top pick is the <a href=\"https:\/\/www.valuewalk.com\/visit\/CitiSimplicityCard\" rel=\"sponsored noopener\" target=\"_blank\">Citi Simplicity\u00ae Card<\/a>. In a nutshell, you\u2019ll get 21 months of 0% interest on balance transfers. The balance transfer should be made within four months of opening the account. Fees amount to the greater of $5 or 3%. This increases to 5% if you fail to make the transfer within four months. <\/p>\n\n\n\n<p>In addition, the Citi Simplicity\u00ae Card offers 0% APRs on purchases for the first 12 months. There are no annual, late, or penalty fees with this card. After the interest-free period expires, you\u2019ll pay an APR of between 19.24% and 29.99%, depending on your credit score. The main drawback of this balance transfer card is that it doesn\u2019t offer rewards.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2000\" height=\"824\" src=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-5-2000x824.jpg\" alt=\"Citi Simplicity\u00ae Card review\" class=\"wp-image-2481793\" srcset=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-5-2000x824.jpg 2000w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-5-300x124.jpg 300w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-5-768x317.jpg 768w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-5-1536x633.jpg 1536w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-5-2048x844.jpg 2048w\" sizes=\"(max-width: 2000px) 100vw, 2000px\"><\/figure>\n\n\n\n<p>Nonetheless, you\u2019ll have access to 24\/7 customer support, flexible payment dates, and 0% liability on unauthorized charges. The latter offers full protection if your <a href=\"https:\/\/www.valuewalk.com\/credit-card-information-stolen\/\">credit card information is stolen<\/a>. The minimum credit limit available is $500. That said, Citi will offer a credit limit that aligns with your creditworthiness at the time of the application. <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Balance Transfer Card<\/strong><\/td><td><strong>Intro APR<\/strong><\/td><td><strong>Regular APR<\/strong><\/td><td><strong>Balance Transfer Fee<\/strong><\/td><td><strong>Time to Make Balance Transfer<\/strong><\/td><td><strong>Rewards<\/strong><\/td><\/tr><tr><td>Citi Simplicity\u00ae Card<\/td><td>0% on balance transfers for 21 months. 0% on purchases for 12 months<\/td><td>19.24% \u2013 29.99%<\/td><td>$5 or 3% (the greater of)<\/td><td>4 months<\/td><td>None<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Pros<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>In our view, the overall best balance transfer card for 2025<\/li>\n\n\n\n<li>0% APR on balance transfers for 21 months<\/li>\n\n\n\n<li>0% APR on purchases for 12 months<\/li>\n\n\n\n<li>No application or annual fees<\/li>\n\n\n\n<li>4 months to make the balance transfer <\/li>\n<\/ul>\n\n\n\n<p><strong>Cons<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No guidance on available credit limits or eligibility <\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.valuewalk.com\/visit\/CitiSimplicityCard\" rel=\"sponsored noopener\" target=\"_blank\">Visit Citi Simplicity\u00ae Card<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-u-s-bank-visa-platinum-card-best-for-credit-scores-of-good-to-excellent\"><strong>2. U.S. Bank Visa\u00ae Platinum Card<\/strong>:<strong> Best for Credit Scores of Good to Excellent<\/strong><\/h3>\n\n\n\n<p>If you sit within the \u2018Good\u2019 to \u2018Excellent\u2019 credit range, the <a href=\"https:\/\/www.valuewalk.com\/visit\/USBankVisaPlatinumCard\" rel=\"sponsored noopener\" target=\"_blank\">U.S. Bank Visa\u00ae Platinum Card<\/a> could be the best balance transfer card for you. Once approved, you\u2019ll get 0% APR for 21 billing cycles. Not only on balance transfers but purchases too. Make sure the balance transfer is made within 60 days of opening the account to avail of this offer. <\/p>\n\n\n\n<p>In terms of fees, you\u2019ll pay the greater of $5 or 3% of the balance transfer amount. There are no annual fees on this balance transfer card. That said, avoid using the card abroad as a 3% foreign transaction fee applies. After the 21-month introductory period, standard APRs of between 18.74% and 29.74% will apply.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2000\" height=\"891\" src=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-6-2000x891.jpg\" alt=\"U.S. Bank Visa\u00ae Platinum Card\" class=\"wp-image-2481794\" srcset=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-6-2000x891.jpg 2000w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-6-300x134.jpg 300w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-6-768x342.jpg 768w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-6-1536x684.jpg 1536w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-6-2048x912.jpg 2048w\" sizes=\"(max-width: 2000px) 100vw, 2000px\"><\/figure>\n\n\n\n<p>The U.S. Bank Visa\u00ae Platinum Card comes with one of the fastest application processes available; you\u2019ll receive a decision within 60 seconds. Although the card doesn\u2019t come with rewards, some benefits are offered to cardholders. This includes a U.S. Bank ExtendPay\u00ae Plan for increased flexibility. You\u2019ll also get $600 worth of cell phone protection.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Balance Transfer Card<\/strong><\/td><td><strong>Intro APR<\/strong><\/td><td><strong>Regular APR<\/strong><\/td><td><strong>Balance Transfer Fee<\/strong><\/td><td><strong>Time to Make Balance Transfer<\/strong><\/td><td><strong>Rewards<\/strong><\/td><\/tr><tr><td>U.S. Bank Visa\u00ae Platinum Card<\/td><td>0% on balance transfers and purchases for 21 months<\/td><td>18.74% \u2013 29.74%<\/td><td>$5 or 3% (the greater of)<\/td><td>60 days<\/td><td>None<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Pros<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>0% APRs for 21 months<\/li>\n\n\n\n<li>Interest-free offer includes balance transfers <em>and<\/em> purchases <\/li>\n\n\n\n<li>60 days to complete the balance transfer <\/li>\n\n\n\n<li>Includes a U.S. Bank ExtendPay\u00ae Plan for increased flexibility <\/li>\n\n\n\n<li>Ideal for credit scores in the \u2018Good\u2019 to \u2018Excellent\u2019 range <\/li>\n<\/ul>\n\n\n\n<p><strong>Cons<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>3% foreign transaction fee when using the card overseas <\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.valuewalk.com\/visit\/USBankVisaPlatinumCard\" rel=\"sponsored noopener\" target=\"_blank\">Visit U.S. Bank Visa\u00ae Platinum Card<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-bankamericard-credit-card-best-for-high-credit-limits\"><strong>3. BankAmericard\u00ae Credit Card<\/strong>:<strong> Best for High Credit Limits <\/strong><\/h3>\n\n\n\n<p>The <a href=\"https:\/\/www.valuewalk.com\/visit\/BankAmericardCreditCard\" rel=\"sponsored noopener\" target=\"_blank\">BankAmericard\u00ae Credit Card<\/a> is one of the best balance transfer cards for securing high credit limits. Although Bank of America doesn\u2019t directly provide a limit range, some cardholders claim to have received over $15,000. That said, this balance transfer card is only suitable for those with an \u2018Excellent\u2019 credit score. <\/p>\n\n\n\n<p>Nonetheless, the BankAmericard\u00ae Credit Card offers 0% APRs for the first 18 months. This includes balance transfers and purchases. Bank of America requires cardholders to complete their balance transfer within 60 days of being approved. There is a 3% balance transfer fee, which aligns with the industry average. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2000\" height=\"740\" src=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-7-2000x740.jpg\" alt=\"BankAmericard\u00ae Credit Card\" class=\"wp-image-2481795\" srcset=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-7-2000x740.jpg 2000w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-7-300x111.jpg 300w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-7-768x284.jpg 768w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-7-1536x568.jpg 1536w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-7-2048x758.jpg 2048w\" sizes=\"(max-width: 2000px) 100vw, 2000px\"><\/figure>\n\n\n\n<p>No application or annual fees are charged. After the 18-month introductory period, standard APRs of 16.24% to 26.24% will apply. The specific rate depends on your creditworthiness. In terms of benefits, The BankAmericard\u00ae Credit Card comes with monthly FICO\u00ae Score updates, a 0% liability guarantee on fraudulent transactions, and a native mobile app for added convenience.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Balance Transfer Card<\/strong><\/td><td><strong>Intro APR<\/strong><\/td><td><strong>Regular APR<\/strong><\/td><td><strong>Balance Transfer Fee<\/strong><\/td><td><strong>Time to Make Balance Transfer<\/strong><\/td><td><strong>Rewards<\/strong><\/td><\/tr><tr><td>BankAmericard\u00ae Credit Card<\/td><td>0% on balance transfers and purchases for 18 months<\/td><td>16.24% \u2013 26.24%<\/td><td>3%<\/td><td>60 days<\/td><td>None<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Pros<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>0% on balance transfers for 18 months<\/li>\n\n\n\n<li>0% offer extends to purchases <\/li>\n\n\n\n<li>No annual or penalty fees<\/li>\n\n\n\n<li>High credit limits are available<\/li>\n\n\n\n<li>Includes monthly FICO\u00ae Score updates <\/li>\n<\/ul>\n\n\n\n<p><strong>Cons<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>An \u2018Excellent\u2019 credit score will be required <\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.valuewalk.com\/visit\/BankAmericardCreditCard\" rel=\"sponsored noopener\" target=\"_blank\">Visit BankAmericard\u00ae Credit Card<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-citi-double-cash-card-best-for-earning-unlimited-cash-back\"><strong>4. Citi Double Cash\u00ae Card<\/strong>:<strong> Best for Earning Unlimited Cash Back  <\/strong><\/h3>\n\n\n\n<p>We rate the <a href=\"https:\/\/www.valuewalk.com\/visit\/CitiDoubleCashCard\" rel=\"sponsored noopener\" target=\"_blank\">Citi Double Cash\u00ae Card<\/a> as the best balance transfer card for earning cash back. Put simply, you\u2019ll earn 2% cash back on all purchases making it one of the <a href=\"https:\/\/www.valuewalk.com\/credit-cards\/best-cash-back-credit-cards\/\">top cash back credit cards<\/a> available today. There are no cash back limits, nor any restrictions on spending categories. Citi credits the first 1% when making the purchase. Once you settle your monthly statement, the additional 1% will be added. <\/p>\n\n\n\n<p>What\u2019s more, the Citi Double Cash\u00ae Card offers a generous introductory offer. You\u2019ll receive 20,000 points after spending $1,500 within the first six months. The points can be redeemed for $200 cash back. This spending threshold is also eligible for the standard 2% cash back rate. <\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-us.googleusercontent.com\/V654EPEskK8jIhigPXCpl5_z89XeTnmAHLeT9Q1lYtScyEVtCyN0Knv_z3x0fHWyCkmeCvjAHCiwBRf5nNUgaNT44AVgIRrpD-9bvDasoUT_FT6T_zbMJrOssgXERcHha7B6iGsRhw0O-ENsXw1L9rc\" alt=\"Citi Double Cash\u00ae Card\"><\/figure>\n\n\n\n<p>In terms of balance transfers, you\u2019ll get 0% APRs for the first 18 months. The main drawback is that the interest-free period doesn\u2019t include purchases. Nevertheless, balance transfer fees amount to the greater of $5 or 3%. This increases to 5% if you don\u2019t complete the transfer within four months of opening the account.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Balance Transfer Card<\/strong><\/td><td><strong>Intro APR<\/strong><\/td><td><strong>Regular APR<\/strong><\/td><td><strong>Balance Transfer Fee<\/strong><\/td><td><strong>Time to Make Balance Transfer<\/strong><\/td><td><strong>Rewards<\/strong><\/td><\/tr><tr><td>Citi Double Cash\u00ae Card<\/td><td>0% on balance transfers for 18 months<\/td><td>19.24% \u2013 29.24%<\/td><td>$5 or 3% (the greater of)<\/td><td>4 months<\/td><td>Unlimited 2% cash back on all purchases. The introductory offer includes $200 cash back after spending $1,500 on purchases within six months.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Pros<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>One of the best balance transfer <a href=\"https:\/\/www.valuewalk.com\/credit-cards\/best-credit-cards-for-rewards\/\">credit cards for rewards<\/a><\/li>\n\n\n\n<li>Unlimited 2% cash back on all purchases <\/li>\n\n\n\n<li>Get $200 cash back after spending $1,500<\/li>\n\n\n\n<li>0% APR on balance transfers for 18 months <\/li>\n<\/ul>\n\n\n\n<p><strong>Cons<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No interest-free period on purchases <\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.valuewalk.com\/visit\/CitiDoubleCashCard\" rel=\"sponsored noopener\" target=\"_blank\">Visit Citi Double Cash\u00ae Card<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-discover-it-balance-transfer-best-for-credit-scores-of-670\"><strong>5. Discover it\u00ae Balance Transfer<\/strong>:<strong> Best for Credit Scores of 670+ <\/strong><\/h3>\n\n\n\n<p>With an estimated credit score eligibility of 670, the <a href=\"https:\/\/www.valuewalk.com\/visit\/DiscoverItBalanceTransfer\" rel=\"sponsored noopener\" target=\"_blank\">Discover it\u00ae Balance Transfer<\/a> has slightly lower requirements than other balance transfer cards. This option comes with 0% APR on balance transfers for 15 months. The 0% introductory offer also covers credit card purchases. <\/p>\n\n\n\n<p>The introductory period lasts for four months and includes a reduced transfer fee of 3%. After that, the transfer fee increases to 5%. What\u2019s more, standard APRs of 17.24% to 28.24% will kick in. Although there are no annual fees, late payments attract a $41 charge. That said, the first late payment fee is waived. <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1200\" height=\"549\" src=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/balance-transfer-credit-card.jpg\" alt=\"\" class=\"wp-image-2481821\" srcset=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/balance-transfer-credit-card.jpg 1200w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/balance-transfer-credit-card-300x137.jpg 300w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/balance-transfer-credit-card-768x351.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\"><\/figure>\n\n\n\n<p>Another drawback is the lack of credit card rewards. There\u2019s no cash back or an ability to earn points on purchases. Moreover, the Discover it\u00ae Balance Transfer comes with limited perks. Other than real-time transaction alerts and access to a US-based customer service team, cardholders have no other benefits. <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Balance Transfer Card<\/strong><\/td><td><strong>Intro APR<\/strong><\/td><td><strong>Regular APR<\/strong><\/td><td><strong>Balance Transfer Fee<\/strong><\/td><td><strong>Time to Make Balance Transfer<\/strong><\/td><td><strong>Rewards<\/strong><\/td><\/tr><tr><td>Discover it\u00ae Balance Transfer<\/td><td>0% on balance transfers and purchases for 15 months<\/td><td>17.24% \u2013 28.24%<\/td><td>3%<\/td><td>4 months<\/td><td>None<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Pros<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Estimated acceptance score of 670<\/li>\n\n\n\n<li>0% APR includes balance transfers and purchases<\/li>\n\n\n\n<li>The introductory period lasts for 15 months<\/li>\n\n\n\n<li>US-based customer service team   <\/li>\n<\/ul>\n\n\n\n<p><strong>Cons<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$41 late payment charge (first time is waived)<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.valuewalk.com\/visit\/DiscoverItBalanceTransfer\" rel=\"sponsored noopener\" target=\"_blank\">Visit Discover it\u00ae Balance Transfer<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-chase-freedom-unlimited-best-for-earning-rewards-on-everyday-purchases\"><strong>6. Chase Freedom Unlimited\u00ae<\/strong>:<strong> Best for Earning Rewards on Everyday Purchases<\/strong><\/h3>\n\n\n\n<p>The <a href=\"https:\/\/www.valuewalk.com\/visit\/ChaseFreedomUnlimited\" rel=\"sponsored noopener\" target=\"_blank\">Chase Freedom Unlimited\u00ae<\/a> is not only one of the best credit cards for balance transfers but also for earning rewards. This option comes with 0% APR on balance transfers and purchases for the first 15 months. After the introductory period, standard APRs of 20.49% to 29.24% will apply. <\/p>\n\n\n\n<p>To avail of the 0% APR period, the balance transfer needs to be made within 60 days. A balance transfer fee of 3% or $5 is charged (the greater of). In terms of rewards, Chase Freedom Unlimited\u00ae offers a $200 cash back bonus after spending just $500 within the first three months. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2000\" height=\"945\" src=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-9-2000x945.jpg\" alt=\"Chase Freedom Unlimited\u00ae\" class=\"wp-image-2481797\" srcset=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-9-2000x945.jpg 2000w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-9-300x142.jpg 300w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-9-768x363.jpg 768w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-9-104x50.jpg 104w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-9-83x40.jpg 83w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-9-1536x725.jpg 1536w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-9-2048x967.jpg 2048w\" sizes=\"(max-width: 2000px) 100vw, 2000px\"><\/figure>\n\n\n\n<p>What\u2019s more, you\u2019ll earn 5% cash back on grocery and gas station purchases (up to $12,000 in the first year). You\u2019ll also earn 3% on travel purchases made through Chase Ultimate Rewards, plus drugstore and dining purchases. All other purchases earn an unlimited 1.5% cash back. Other card benefits include trip cancellation and interruption insurance.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Balance Transfer Card<\/strong><\/td><td><strong>Intro APR<\/strong><\/td><td><strong>Regular APR<\/strong><\/td><td><strong>Balance Transfer Fee<\/strong><\/td><td><strong>Time to Make Balance Transfer<\/strong><\/td><td><strong>Rewards<\/strong><\/td><\/tr><tr><td>Chase Freedom Unlimited\u00ae<\/td><td>0% on balance transfers and purchases for 15 months<\/td><td>20.49% \u2013 29.24%<\/td><td>$5 or 3% (the greater of)<\/td><td>60 days<\/td><td>Cash back of between 1.5% and 5% depending on the spending category. The introductory offer includes $200 cash back after spending $500 on purchases within three months.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Pros<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>0% APR on balance transfers and purchases for 15 months <\/li>\n\n\n\n<li>Get $200 cash back after spending just $500<\/li>\n\n\n\n<li>Earn 5% cash back on gas and grocery purchases<\/li>\n\n\n\n<li>Other spending categories earn 1.5% to 3%     <\/li>\n<\/ul>\n\n\n\n<p><strong>Cons<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Walmart and Target purchases are not eligible for cash back <\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.valuewalk.com\/visit\/ChaseFreedomUnlimited\" rel=\"sponsored noopener\" target=\"_blank\">Visit Chase Freedom Unlimited\u00ae<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-7-bank-of-america-travel-rewards-credit-card-best-for-combining-0-balance-transfers-with-travel-points\"><strong>7. Bank of America\u00ae Travel Rewards Credit Card<\/strong>:<strong> Best for Combining 0% Balance Transfers With Travel Points<\/strong><\/h3>\n\n\n\n<p>Another good option, especially when it comes to the <a href=\"https:\/\/www.valuewalk.com\/credit-cards\/best-travel-credit-cards\/\">travel credit card<\/a> department, to consider is the <a href=\"https:\/\/www.valuewalk.com\/visit\/BankofAmericaTravelRewardsCreditCard\" rel=\"sponsored noopener\" target=\"_blank\">Bank of America\u00ae Travel Rewards Credit Card<\/a>. Making a balance transfer within 60 days will secure a 0% APR for the first 15 billing cycles. You\u2019ll pay a 3% balance transfer charge and no annual fees apply. The 0% rate also includes purchases without any restrictions on spending categories. <\/p>\n\n\n\n<p>In terms of rewards, this is one of the best balance transfer cards for frequent travelers. You\u2019ll earn 1.5 points for every $1 spent. All purchases are eligible and the points never expire. What\u2019s more, you\u2019ll avoid foreign transaction fees when using the card overseas. The Bank of America\u00ae Travel Rewards Credit Card also offers 25,000 bonus points to first-time applicants. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2000\" height=\"787\" src=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-10-2000x787.jpg\" alt=\"Bank of America\u00ae Travel Rewards Credit Card\" class=\"wp-image-2481798\" srcset=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-10-2000x787.jpg 2000w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-10-300x118.jpg 300w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-10-768x302.jpg 768w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-10-1536x604.jpg 1536w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-10-2048x805.jpg 2048w\" sizes=\"(max-width: 2000px) 100vw, 2000px\"><\/figure>\n\n\n\n<p>Simply make $1,000 worth of purchases within 90 days of opening the account. That said, unlike other travel-related cards, you won\u2019t get airport lounge access or bonus points when booking flights and hotels. After the introductory period, the Bank of America\u00ae Travel Rewards Credit Card comes with standard APRs of between 18.24% and 28.24%.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Balance Transfer Card<\/strong><\/td><td><strong>Intro APR<\/strong><\/td><td><strong>Regular APR<\/strong><\/td><td><strong>Balance Transfer Fee<\/strong><\/td><td><strong>Time to Make Balance Transfer<\/strong><\/td><td><strong>Rewards<\/strong><\/td><\/tr><tr><td>Bank of America\u00ae Travel Rewards Credit Card<\/td><td>0% on balance transfers and purchases for 15 months<\/td><td>18.24% \u2013 28.24%<\/td><td>3%<\/td><td>60 days<\/td><td>Earn 1.5 points for every $1 spent without spending category restrictions. The introductory offer includes 25,000 points after spending $1,000 on purchases within 90 days.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Pros<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Best balance transfer card for frequent travelers <\/li>\n\n\n\n<li>25,000 points when spending $1,000<\/li>\n\n\n\n<li>Earn 1.5 points for every $1 spent<\/li>\n\n\n\n<li>0% APR on balance transfers and purchases for 15 months     <\/li>\n<\/ul>\n\n\n\n<p><strong>Cons<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Balance transfer fee increases to 5% after 60 days <\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.valuewalk.com\/visit\/BankofAmericaTravelRewardsCreditCard\" rel=\"sponsored noopener\" target=\"_blank\">Visit Bank of America\u00ae Travel Rewards Credit Card<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-8-chase-slate-edge-best-for-automatically-increasing-your-credit-line\"><strong>8. Chase Slate Edge\u2120<\/strong>:<strong> Best for Automatically Increasing Your Credit Line<\/strong><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.valuewalk.com\/visit\/ChaseSlateEdge\" rel=\"sponsored noopener\" target=\"_blank\">Chase Slate Edge\u2120<\/a> is a popular credit card that offers several benefits. First, the introductory offer comes with 0% APR on balance transfers for 18 months. This offer also extends to credit card purchases. Balance transfer fees amount to the greater of $5 or 3%. The transfer should be made within 60 days of being approved. <\/p>\n\n\n\n<p>Another benefit is that cardholders can automatically increase their credit limit. Simply spend $500 within the first six months. Do note that credit limits are not guaranteed. In addition, Chase helps you stay on top of your credit score with regular updates and critical alerts. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2000\" height=\"1011\" src=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-12-2000x1011.jpg\" alt=\"Chase Slate Edge\u2120\" class=\"wp-image-2481800\" srcset=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-12-2000x1011.jpg 2000w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-12-300x152.jpg 300w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-12-768x388.jpg 768w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-12-1536x777.jpg 1536w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-12-2048x1036.jpg 2048w\" sizes=\"(max-width: 2000px) 100vw, 2000px\"><\/figure>\n\n\n\n<p>That being said, the Chase Slate Edge\u2120 doesn\u2019t offer credit card rewards like cash back or points. After the introductory period, standard APRs of between 20.49% and 29.24% will apply, depending on your creditworthiness. Your variable score can be reduced by 2% when paying on time. Flexible payment plans can also be set up via My Chase Plan\u00ae. <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Balance Transfer Card<\/strong><\/td><td><strong>Intro APR<\/strong><\/td><td><strong>Regular APR<\/strong><\/td><td><strong>Balance Transfer Fee<\/strong><\/td><td><strong>Time to Make Balance Transfer<\/strong><\/td><td><strong>Rewards<\/strong><\/td><\/tr><tr><td>Chase Slate Edge\u2120<\/td><td>0% on balance transfers and purchases for 18 months<\/td><td>20.49% \u2013 29.24%<\/td><td>$5 or 3% (the greater of)<\/td><td>60 days<\/td><td>None<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Pros<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Introductory offer of 0% APR for 18 months<\/li>\n\n\n\n<li>Interest-free offer includes balance transfers and purchases<\/li>\n\n\n\n<li>Automatically increase your credit limit after six months <\/li>\n\n\n\n<li>Flexible payments via My Chase Plan      <\/li>\n<\/ul>\n\n\n\n<p><strong>Cons<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No credit card rewards and limited benefits <\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.valuewalk.com\/visit\/ChaseSlateEdge\" rel=\"sponsored noopener\" target=\"_blank\">Visit Chase Slate Edge\u2120<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-9-bank-of-america-unlimited-cash-rewards-credit-card-best-for-unlimited-cash-rewards\"><strong>9. <\/strong>Bank of America\u00ae Unlimited Cash Rewards Credit Card:<strong> Best for Unlimited Cash Rewards <\/strong><\/h3>\n\n\n\n<p>Another option that combines rewards and balance transfers is the <a href=\"https:\/\/www.valuewalk.com\/visit\/BankofAmericaUnlimitedCashRewardsCreditCard\" rel=\"sponsored noopener\" target=\"_blank\">Bank of America\u00ae Unlimited Cash Rewards Credit Card<\/a>. Starting with the balance transfer side of things, you\u2019ll get 0% APR for 15 months. Make sure the balance transfer is made within 60 days to secure the introductory offer. <\/p>\n\n\n\n<p>A 3% fee applies when making the transfer. You\u2019ll get 0% APR on purchases for 15 months. The introductory offer also includes $200 cash back after spending $1,000. You\u2019ll have 90 days to meet this target. In addition, the Bank of America\u00ae Unlimited Cash Rewards Credit Card offers unlimited cash back of 1.5%. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2000\" height=\"725\" src=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-13-2000x725.jpg\" alt=\"Bank of America\u00ae Unlimited Cash Rewards Credit Card\" class=\"wp-image-2481801\" srcset=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-13-2000x725.jpg 2000w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-13-300x109.jpg 300w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-13-768x278.jpg 768w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-13-1536x557.jpg 1536w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-13-2048x742.jpg 2048w\" sizes=\"(max-width: 2000px) 100vw, 2000px\"><\/figure>\n\n\n\n<p>All spending categories are eligible, whether that\u2019s groceries, gas, or dining. No annual fees are charged on this credit card. However, after the 15-month introductory period, standard APRs of 18.24% to 28.24% apply. Moreover, there\u2019s an initial late payment fee of $29. Any other late payments within six months will be charged $40. <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Balance Transfer Card<\/strong><\/td><td><strong>Intro APR<\/strong><\/td><td><strong>Regular APR<\/strong><\/td><td><strong>Balance Transfer Fee<\/strong><\/td><td><strong>Time to Make Balance Transfer<\/strong><\/td><td><strong>Rewards<\/strong><\/td><\/tr><tr><td>Bank of America\u00ae Unlimited Cash Rewards Credit Card<\/td><td>0% on balance transfers and purchases for 15 months<\/td><td>18.24% \u2013 28.24%<\/td><td>3%<\/td><td>60 days<\/td><td>Earn unlimited 1.5% cash back without spending category restrictions. The introductory offer includes $200 cash back after spending $1,000 on purchases within 90 days.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Pros<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Great balance transfer card for earning cash back<\/li>\n\n\n\n<li>Unlimited 1.5% cash back on all spending categories<\/li>\n\n\n\n<li>$200 cash back when spending $1,000 within 90 days<\/li>\n\n\n\n<li>0% APR on balance transfers and purchases for 15 months       <\/li>\n<\/ul>\n\n\n\n<p><strong>Cons<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Standard APR of up to 28.24% after the introductory period  <\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.valuewalk.com\/visit\/BankofAmericaUnlimitedCashRewardsCreditCard\" rel=\"sponsored noopener\" target=\"_blank\">Visit Bank of America\u00ae Unlimited Cash Rewards Credit Card<\/a><\/div>\n<\/div>\n\n\n\n<p><br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-10-wells-fargo-active-cash-card-best-for-simple-rewards-redemptions\"><strong>10. <\/strong>Wells Fargo Active Cash\u00ae Card:<strong> Best for Simple Rewards Redemptions<\/strong><\/h3>\n\n\n\n<p>The final option to consider is the <a href=\"https:\/\/www.valuewalk.com\/visit\/WellsFargoActiveCashCard\" rel=\"sponsored noopener\" target=\"_blank\">Wells Fargo Active Cash\u00ae Card<\/a>. This balance transfer card offers 0% APR for the first 15 months. You\u2019ll have 120 days to complete the transfer after being approved. The card also offers 0% APR on credit card purchases, also for 15 months. <\/p>\n\n\n\n<p>The balance transfer fee is 3% or $5 (the greater of). This increases to 5% after the 120-day grace period. There are no annual fees charged on this card. That said, the card won\u2019t be suitable for frequent travelers, considering the 3% foreign transaction fee. Nonetheless, the Wells Fargo Active Cash\u00ae Card comes with generous rewards. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2000\" height=\"793\" src=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-14-2000x793.jpg\" alt=\"\" class=\"wp-image-2481802\" srcset=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-14-2000x793.jpg 2000w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-14-300x119.jpg 300w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-14-768x304.jpg 768w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-14-1536x609.jpg 1536w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-14-2048x812.jpg 2048w\" sizes=\"(max-width: 2000px) 100vw, 2000px\"><\/figure>\n\n\n\n<p>You\u2019ll earn an unlimited 2% cash back on all purchases. You won\u2019t need to select specific categories; all transactions are eligible. First-time applicants will also receive $200 cash back. Simply spend $500 within the first 90 days of receiving the card. Standard APRs after the introductory period are 20.24%, 25.24% or 29.99%. <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Balance Transfer Card<\/strong><\/td><td><strong>Intro APR<\/strong><\/td><td><strong>Regular APR<\/strong><\/td><td><strong>Balance Transfer Fee<\/strong><\/td><td><strong>Time to Make Balance Transfer<\/strong><\/td><td><strong>Rewards<\/strong><\/td><\/tr><tr><td>Wells Fargo Active Cash\u00ae Card<\/td><td>0% on balance transfers and purchases for 15 months<\/td><td>20.24%, 25.24% or 29.99%<\/td><td>$5 or 3% (the greater of)<\/td><td>120 days<\/td><td>Earn unlimited 2% cash back without spending category restrictions. The introductory offer includes $200 cash back after spending $500 on purchases within 90 days.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Pros<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn 2% cash back on all purchases<\/li>\n\n\n\n<li>No limits or spending category restrictions <\/li>\n\n\n\n<li>$200 cash back when spending $500<\/li>\n\n\n\n<li>0% APR on balance transfers and purchases for 15 months<\/li>\n<\/ul>\n\n\n\n<p><strong>Cons<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Credit limits start from just $1,000<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.valuewalk.com\/visit\/WellsFargoActiveCashCard\" rel=\"sponsored noopener\" target=\"_blank\">Visit Wells Fargo Active Cash\u00ae Card<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-balance-transfer-card-comparison\"><span id=\"balance_transfer_card_comparison\">Balance Transfer Card Comparison<\/span><\/h2>\n\n\n\n<p>Here\u2019s a summary of the 10 best balance transfer credit cards for 2025:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Balance Transfer Card<\/strong><\/td><td><strong>Intro APR<\/strong><\/td><td><strong>Regular APR<\/strong><\/td><td><strong>Balance Transfer Fee<\/strong><\/td><td><strong>Time to Make Balance Transfer<\/strong><\/td><td><strong>Rewards<\/strong><\/td><td><strong>Learn More<\/strong><\/td><\/tr><tr><td>Citi Simplicity\u00ae Card<\/td><td>0% on balance transfers for 21 months. 0% on purchases for 12 months<\/td><td>19.24% \u2013 29.99%<\/td><td>$5 or 3% (the greater of)<\/td><td>4 months<\/td><td>None<\/td><td><a href=\"https:\/\/www.valuewalk.com\/visit\/CitiSimplicityCard\" target=\"_blank\" rel=\"noopener sponsored\">Check Eligibility<\/a><\/td><\/tr><tr><td>U.S. Bank Visa\u00ae Platinum Card<\/td><td>0% on balance transfers and purchases for 21 months<\/td><td>18.74% \u2013 29.74%<\/td><td>$5 or 3% (the greater of)<\/td><td>60 days<\/td><td>None<\/td><td><a href=\"https:\/\/www.valuewalk.com\/visit\/USBankVisaPlatinumCard\" target=\"_blank\" rel=\"noopener sponsored\">Check Eligibility<\/a><\/td><\/tr><tr><td>BankAmericard\u00ae Credit Card<\/td><td>0% on balance transfers and purchases for 18 months<\/td><td>16.24% \u2013 26.24%<\/td><td>3%<\/td><td>60 days<\/td><td>None<\/td><td><a href=\"https:\/\/www.valuewalk.com\/visit\/BankAmericardCreditCard\" target=\"_blank\" rel=\"noopener sponsored\">Check Eligibility<\/a><\/td><\/tr><tr><td>Citi Double Cash\u00ae Card<\/td><td>0% on balance transfers for 18 months<\/td><td>19.24% \u2013 29.24%<\/td><td>$5 or 3% (the greater of)<\/td><td>4 months<\/td><td>Unlimited 2% cash back on all purchases. The introductory offer includes $200 cash back after spending $1,500 on purchases within six months.<\/td><td><a href=\"https:\/\/www.valuewalk.com\/visit\/CitiDoubleCashCard\" target=\"_blank\" rel=\"noopener sponsored\">Check Eligibility<\/a><\/td><\/tr><tr><td>Discover it\u00ae Balance Transfer<\/td><td>0% on balance transfers and purchases for 15 months<\/td><td>17.24% \u2013 28.24%<\/td><td>3%<\/td><td>4 months<\/td><td>None<\/td><td><a href=\"https:\/\/www.valuewalk.com\/visit\/DiscoverItBalanceTransfer\" target=\"_blank\" rel=\"noopener sponsored\">Check Eligibility<\/a><\/td><\/tr><tr><td>Chase Freedom Unlimited\u00ae<\/td><td>0% on balance transfers and purchases for 15 months<\/td><td>20.49% \u2013 29.24%<\/td><td>$5 or 3% (the greater of)<\/td><td>60 days<\/td><td>Cash back of between 1.5% and 5% depending on the spending category. The introductory offer includes $200 cash back after spending $500 on purchases within three months.<\/td><td><a href=\"https:\/\/www.valuewalk.com\/visit\/ChaseFreedomUnlimited\" target=\"_blank\" rel=\"noopener sponsored\">Check Eligibility<\/a><\/td><\/tr><tr><td>Bank of America\u00ae Travel Rewards Credit Card<\/td><td>0% on balance transfers and purchases for 15 months<\/td><td>18.24% \u2013 28.24%<\/td><td>3%<\/td><td>60 days<\/td><td>Earn 1.5 points for every $1 spent without spending category restrictions. The introductory offer includes 25,000 points after spending $1,000 on purchases within 90 days.<\/td><td><a href=\"https:\/\/www.valuewalk.com\/visit\/BankofAmericaTravelRewardsCreditCard\" target=\"_blank\" rel=\"noopener sponsored\">Check Eligibility<\/a><\/td><\/tr><tr><td>Chase Slate Edge\u2120<\/td><td>0% on balance transfers and purchases for 18 months<\/td><td>20.49% \u2013 29.24%<\/td><td>$5 or 3% (the greater of)<\/td><td>60 days<\/td><td>None<\/td><td><a href=\"https:\/\/www.valuewalk.com\/visit\/ChaseSlateEdge\" target=\"_blank\" rel=\"noopener sponsored\">Check Eligibility<\/a><\/td><\/tr><tr><td>Bank of America\u00ae Unlimited Cash Rewards Credit Card<\/td><td>0% on balance transfers and purchases for 15 months<\/td><td>18.24% \u2013 28.24%<\/td><td>3%<\/td><td>60 days<\/td><td>Earn unlimited 1.5% cash back without spending category restrictions. The introductory offer includes $200 cash back after spending $1,000 on purchases within 90 days.<\/td><td><a href=\"https:\/\/www.valuewalk.com\/visit\/BankofAmericaUnlimitedCashRewardsCreditCard\" target=\"_blank\" rel=\"noopener sponsored\">Check Eligibility<\/a><\/td><\/tr><tr><td>Wells Fargo Active Cash\u00ae Card<\/td><td>0% on balance transfers and purchases for 15 months<\/td><td>20.24%, 25.24% or 29.99%<\/td><td>$5 or 3% (the greater of)<\/td><td>120 days<\/td><td>Earn unlimited 2% cash back without spending category restrictions. The introductory offer includes $200 cash back after spending $500 on purchases within 90 days.<\/td><td><a href=\"https:\/\/www.valuewalk.com\/visit\/WellsFargoActiveCashCard\" target=\"_blank\" rel=\"noopener sponsored\">Check Eligibility<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-to-know-about-balance-transfer-cards\"><span id=\"what_to_know_about_balance_transfer_cards\">What to Know About Balance Transfer Cards<\/span><\/h2>\n\n\n\n<p>Balance transfer cards are a type of credit card aimed at managing debt. More specifically, they enable you to transfer balances from other credit cards to reduce the interest you pay. This is because more balance transfer cards offer 0% Annual Percentage Rate (APR) for extended periods. <\/p>\n\n\n\n<p>This is often at least 12 months but some balance transfer cards, such as the Citi Simplicity\u00ae Card and the U.S. Bank Visa\u00ae Platinum Card, extend this to 21 months. This means that once the transfer is made, you won\u2019t pay any interest on the credit card balance for the entire introductory period. <\/p>\n\n\n\n<p>This is one of the most effective ways to avoid paying interest on outstanding debt. <\/p>\n\n\n\n<p>For example: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Let\u2019s suppose you\u2019ve got $4,000 worth of debt on a credit card at an APR of 25%. This means after one year, you\u2019ve paid $1,000 in interest.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Now consider a 0% APR balance transfer card.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You transfer the $4,000 balance to your new card.\u00a0<\/li>\n\n\n\n<li>You get 12 months at 0% interest<\/li>\n\n\n\n<li>After the introductory period of 12 months, you haven\u2019t paid any interest<\/li>\n<\/ul>\n\n\n\n<p>The smartest way to use a balance transfer card is to try and clear the debt <em>before<\/em> the introductory period finishes. Sticking with the example above, this means paying $333.34 every month for 12 months. In doing so, you\u2019ve cleared your $4,000 debt with manageable payments without paying any interest. <\/p>\n\n\n\n<p>Crucially, balance transfer cards should never be used after the introductory period. This is because the card moves to the standard APR. According to the <a href=\"https:\/\/fred.stlouisfed.org\/series\/TERMCBCCALLNS#0\">Federal Reserve Bank of St. Louis, the average credit card APR<\/a> is 21.19%. If the balance isn\u2019t cleared at this point, it could be worth transferring it to another 0% card. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-much-can-i-save-with-a-0-balance-transfer\"><strong>How Much Can I Save With a 0% Balance Transfer?<\/strong><\/h3>\n\n\n\n<p>The amount of money you can save when using a balance transfer card will depend on several factors. <\/p>\n\n\n\n<p>First, you\u2019ll need to assess how much interest you\u2019re currently paying on your other credit cards. This should be stated on your monthly credit card statement. What\u2019s more, you\u2019ll need to consider what credit limit the balance transfer card offers. Ideally, the credit limit will cover all of your credit card balances. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2000\" height=\"1258\" src=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-15-2000x1258.jpg\" alt=\"Are balance transfer cards worth it?\" class=\"wp-image-2481808\" srcset=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-15-2000x1258.jpg 2000w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-15-300x189.jpg 300w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-15-768x483.jpg 768w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-15-1536x966.jpg 1536w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-15-2048x1288.jpg 2048w\" sizes=\"(max-width: 2000px) 100vw, 2000px\"><\/figure>\n\n\n\n<p>If not, then you should prioritize credit cards with the highest interest rates. <\/p>\n\n\n\n<p>For example, let\u2019s suppose you\u2019ve got three outstanding credit card balances:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Card<\/strong><\/td><td><strong>Outstanding Balance<\/strong><\/td><td><strong>APR<\/strong><\/td><\/tr><tr><td>1<\/td><td>$3,000<\/td><td>30%<\/td><\/tr><tr><td>2<\/td><td>$2,000<\/td><td>25%<\/td><\/tr><tr><td>3<\/td><td>$4,000<\/td><td>15%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Now let\u2019s say you\u2019ve been approved for a 0% balance transfer card with a $5,000 credit limit. <\/li>\n\n\n\n<li>As per the table above, your total credit card balances amount to $9,000. <\/li>\n\n\n\n<li>In this instance, you\u2019d first want to transfer the $3,000 balance from Card 1, as this has the highest APR of 30%. <\/li>\n\n\n\n<li>The next $2,000 should be transferred from Card 2, as the APR is the next highest at 25%. <\/li>\n<\/ul>\n\n\n\n<p>Once the $5,000 has been transferred to your balance transfer card, you instantly begin saving money. This is because you\u2019re no longer paying 25-30% APR. Instead, the entire balance is interest-free until the introductory period ends. This enables you to create a repayment plan accordingly. <\/p>\n\n\n\n<p>However, there\u2019s one more important metric to consider; the balance transfer fee. <\/p>\n\n\n\n<p>The 10 best balance transfer cards ranked on this page each charge a 3% fee. This is based on the total amount transferred to the card. So, if you transferred $5,000, that\u2019s a fee of $150. Fortunately, this is usually added to the outstanding balance, meaning it still benefits from the 0% introductory APR. <\/p>\n\n\n\n<p>Nonetheless, this should be included in your calculations when assessing how much money you\u2019re saving. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-happens-if-i-miss-a-payment-on-a-balance-transfer-card\"><strong>What Happens if I Miss a Payment on a Balance Transfer Card?<\/strong><\/h3>\n\n\n\n<p>You must always meet your minimum statement balance every month. If you don\u2019t, the consequences can be severe. In most cases, you\u2019ll immediately lose your 0% introductory interest rate. This means that the entire balance will now be subject to the standard APR. As we mentioned, this currently averages 21.19%.  <\/p>\n\n\n\n<p>Other consequences should also be considered. <\/p>\n\n\n\n<p>For a start, even the best balance transfer cards charge late payment fees. This will be added to your outstanding balance. And, considering you\u2019ll lose your introductory offer, the late payment fee will also attract interest. If a <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-difference-between-late-payment-missed-payment\/\">payment isn\u2019t made within 30 days, it will then be classed as a missed payment<\/a>. <\/p>\n\n\n\n<p>Missed payments will usually be reported to the main credit bureaus. This means that your credit score will likely be impacted. In turn, this will hinder your chances of applying for balance transfer cards in the future. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-do-balance-transfer-cards-hurt-my-credit-score\"><strong>Do Balance Transfer Cards Hurt My Credit Score?<\/strong><\/h3>\n\n\n\n<p>Some consumers are concerned about applying for balance transfer cards because of the potential impact on their credit scores. <\/p>\n\n\n\n<p>Here\u2019s what you need to know. <\/p>\n\n\n\n<p>First and foremost, applying for a balance transfer card <em>can<\/em> temporarily impact your score. This isn\u2019t exclusive to balance transfers but all forms of credit. According to <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/does-applying-credit-cards-hurt-credit\/\">Experian, a FICO score decline from a credit card application is minimal,<\/a> often just a few points. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2000\" height=\"799\" src=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-16-2000x799.jpg\" alt=\"\" class=\"wp-image-2481809\" srcset=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-16-2000x799.jpg 2000w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-16-300x120.jpg 300w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-16-768x307.jpg 768w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-16-1536x614.jpg 1536w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-16-2048x819.jpg 2048w\" sizes=\"(max-width: 2000px) 100vw, 2000px\"><\/figure>\n\n\n\n<p>Nonetheless, it\u2019s wise to start the process with a \u2018soft\u2019 credit check. This will help you understand how likely you are to be approved, without the application impacting your credit score.   <\/p>\n\n\n\n<p>If you\u2019re approved for a balance transfer card and you always meet your payments, this can <em>improve<\/em> your credit score. This is because the credit bureaus will see that you\u2019re reducing your debt.  <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-can-balance-transfer-cards-only-be-used-for-credit-card-debt\"><strong>Can Balance Transfer Cards Only be Used for Credit Card Debt?<\/strong><\/h3>\n\n\n\n<p>In general, balance transfer credit cards can only be used for debt held on other credit cards. However, some providers also allow other forms of debt. This can include loans, lines of credit, and store cards. <\/p>\n\n\n\n<p>If the provider does permit other debt sources, the same introductory terms, fees, and limits should apply. This means you\u2019ll also get 0% APRs. If you do want to transfer non-credit card debt, speak with the card issuer to see what\u2019s allowed. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-using-a-0-balance-transfer-credit-card\"><span id=\"using_a_0_balance_transfer_credit_card\">Using a 0% Balance Transfer Credit Card<\/span><\/h2>\n\n\n\n<p>We\u2019ve established that the best balance transfer cards can help you manage debt. They can also help you <a href=\"https:\/\/www.valuewalk.com\/avoid-credit-card-interest\/\">avoid credit card interest<\/a>. However, you must use balance transfer cards correctly. Failing to do so can have severe consequences. <\/p>\n\n\n\n<p>This section will guide you through the balance transfer card process, ensuring that you maximize the benefits and reduce the risks.  <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-1-evaluate-what-credit-card-debts-are-outstanding\"><strong>Step 1: Evaluate What Credit Card Debts<\/strong> Are Outstanding<\/h3>\n\n\n\n<p>Before applying for a balance transfer card, it\u2019s important to assess what outstanding debts you have with other credit cards. This will give you an understanding of how much debt you need to transfer. <\/p>\n\n\n\n<p>If the balance transfer card doesn\u2019t offer a high enough limit to cover all debts, you can then prioritize credit cards with the highest APRs.  You should also make a note of the required repayment dates for each outstanding credit card. <\/p>\n\n\n\n<p>This is because the balance transfer process can take up to 14 days to complete. In the meantime, you might still need to make a repayment to ensure you avoid a late payment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-2-start-with-a-soft-credit-check\"><strong>Step 2: <\/strong>Start With a Soft Credit Check<\/h3>\n\n\n\n<p>Most major credit card providers have an eligibility checker on their websites. This allows you to see which balance transfer cards you\u2019re eligible for <em>without<\/em> the application impacting your credit score. This is because soft credit checks do not appear on your credit report. <\/p>\n\n\n\n<p>The process should take less than five minutes. Simply enter some personal and financial information. You\u2019ll be told which balance transfer credit cards you\u2019re pre-qualified for, if any. You might also be told what credit limit you could be eligible for. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-3-apply-for-a-balance-transfer-card\"><strong>Step 3: <\/strong>Apply for a Balance Transfer Card<\/h3>\n\n\n\n<p>The next step is the actual application process. This will require a lot more information, such as your employment status, salary, outstanding debts, net worth, and everything in between. Make sure you enter your information correctly. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2000\" height=\"858\" src=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-17-2000x858.jpg\" alt=\"\" class=\"wp-image-2481810\" srcset=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-17-2000x858.jpg 2000w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-17-300x129.jpg 300w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-17-768x329.jpg 768w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-17-1536x659.jpg 1536w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-17-2048x878.jpg 2048w\" sizes=\"(max-width: 2000px) 100vw, 2000px\"><\/figure>\n\n\n\n<p>The credit card company will check the data with third-party sources, including credit bureaus. Any discrepancies can result in delays, as the lender might request documents. If everything matches and your credit score is suitable, you could be approved within seconds. <\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>You won\u2019t be able to request a limit when completing the application. If approved, your credit limit will be determined by the lender based on your affordability. Ideally, this will be enough to cover all of your outstanding debts. <\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-4-begin-the-balance-transfer-process\"><strong>Step 4: <\/strong>Begin the Balance Transfer Process<\/h3>\n\n\n\n<p>After you\u2019ve been approved, you\u2019ll need to wait for the credit card to arrive before you can start the balance transfer process. This shouldn\u2019t take more than a few days. <\/p>\n\n\n\n<p>You\u2019ll likely need to activate the card too. This can usually be done on the provider\u2019s website or mobile app. This is also where you\u2019ll need to request a balance transfer. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-5-provide-account-details-for-the-cards-being-transferred\"><strong>Step 5: <\/strong>Provide Account Details for the Cards Being Transferred<\/h3>\n\n\n\n<p>You will need to provide the issuer with details for each credit card you want to transfer. <\/p>\n\n\n\n<p>This usually includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Name of Credit Card<\/strong>: E.g. Chase Freedom Unlimited\u00ae<\/li>\n\n\n\n<li><strong>Account Number<\/strong>: This is your unique account number with the respective credit card provider<\/li>\n\n\n\n<li><strong>Amount<\/strong>: This is the total amount that you want to transfer from the credit card<\/li>\n<\/ul>\n\n\n\n<p>Make sure the provided details are correct. Mistakes will invariably lead to delays. Do note that there is no requirement to contact the old credit card companies about the balance transfer. This is taken care of by your new provider. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-6-monitor-you-accounts-and-continue-making-payments\"><strong>Step 6: Monitor You Accounts<\/strong> and Continue Making Payments<\/h3>\n\n\n\n<p>We mentioned earlier that balance transfers can take up to 14 days to complete. Therefore, you must continue making payments in the meantime. <\/p>\n\n\n\n<p>This ensures you avoid late payments. Most consumers will pay the minimum, as the debt will soon be transferred to the 0% introductory rate. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2000\" height=\"1136\" src=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-18-2000x1136.jpg\" alt=\"how long do balance transfers take?\" class=\"wp-image-2481811\" srcset=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-18-2000x1136.jpg 2000w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-18-300x170.jpg 300w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-18-768x436.jpg 768w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-18-1536x872.jpg 1536w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-18-2048x1163.jpg 2048w\" sizes=\"(max-width: 2000px) 100vw, 2000px\"><\/figure>\n\n\n\n<p>It\u2019s wise to keep monitoring your credit card accounts to see when the transfer is complete. That said, most providers send an email.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-7-stash-the-old-card-but-keep-it-open\"><strong>Step 7: <\/strong>Stash the Old Card, But Keep it Open<\/h3>\n\n\n\n<p>Once the balance has been transferred, we\u2019d suggest keeping your old credit card(s) open. This can be beneficial for your credit score. The reason is that your \u2018credit utilization\u2019 ratio will decrease. This is viewed positively by the credit bureaus, as it shows you\u2019re responsible with credit. <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>For instance, suppose you initially had $6,000 worth of debt on your old credit card. Your credit limit was $10,000, meaning a credit utilization score of 60%. <\/li>\n\n\n\n<li>Your new balance transfer card has a credit limit of $15,000. You still have $6,000 worth of debt, which is transferred to the new card. <\/li>\n\n\n\n<li>However, your total credit limit is now $25,000 ($10,000 + $15,000), meaning your credit utilization ratio has been reduced to just 24% ($25,000 \/ $6,000). <\/li>\n<\/ul>\n\n\n\n<p>According to <a href=\"https:\/\/www.equifax.com\/personal\/education\/debt-management\/articles\/-\/learn\/credit-utilization-ratio\/\">Equifax, your credit utilization score should never exceed 30%<\/a>, so this is something to keep in mind. However, under no circumstances should you use the old credit card. Simply keep the account open. <\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>If you\u2019re asking the question \u201c<a href=\"https:\/\/www.valuewalk.com\/how-many-credit-cards-should-i-have\/\">How many credit cards should I have?<\/a>\u201c, there isn\u2019t a definitive number. As we mentioned, credit utilization is the more important factor. That said, applying for too many credit cards will hurt your score, at least temporarily. Therefore, it\u2019s best to focus on one balance transfer card that covers all of your outstanding balances. <\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-8-create-a-repayment-plan-to-become-debt-free\"><strong>Step 8: <\/strong>Create a Repayment Plan to Become Debt-Free<\/h3>\n\n\n\n<p>The final step is to create a repayment plan. This is very important, as it will allow you to clear your debt in full. Crucially, you should aim to do this within the 0% introductory period. Otherwise, you\u2019ll begin paying interest again. <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>First, assess how much you owe in total on the new balance transfer card. This should include the transferred balance <em>and<\/em> the transfer fee. <\/li>\n\n\n\n<li>For instance, suppose you transfer $10,000 worth of debt and pay a 3% fee. This means your total balance is $10,300 ($10,000 + $300). <\/li>\n\n\n\n<li>Let\u2019s say that your 0% introductory rate lasts for 18 months. To become debt-free within the interest-free period, you\u2019d need to make 18 monthly payments of $572.23. <\/li>\n<\/ul>\n\n\n\n<p>In doing so, you\u2019ll clear the entire balance without paying a cent of interest. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-compare-credit-cards-for-balance-transfer\"><span id=\"how_to_compare_credit_cards_for_balance_transfer\">How to Compare Credit Cards for Balance Transfer<\/span><\/h2>\n\n\n\n<p>There are many balance transfer credit cards to choose from. This section will help you select the best option for your financial goals and creditworthiness. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-determine-eligibility\">Determine Eligibility <\/h3>\n\n\n\n<p>First, it\u2019s important to be realistic with eligibility. We found that some of the best balance transaction cards are aimed at consumers with \u2018Good\u2019 or \u2018Excellent\u2019 credit scores. Not all credit card providers display their eligibility requirements. Although secondary sources provide minimum score estimations, they\u2019re often unreliable. <\/p>\n\n\n\n<p>As such, we\u2019d suggest assessing the following for a more accurate idea of what cards you\u2019re likely to be approved for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit Score<\/strong>: A good starting point is to retrieve your FICO score from one of the three main credit bureaus (Equifax, Experian, and TransUnion). If you\u2019re currently sitting at 700 or more, you\u2019ll likely have access to the best cards. <\/li>\n\n\n\n<li><strong>Assess Debt-to-Income<\/strong>: Even with a high FICO score, you might not be approved for a balance transfer card. This could be because of your debt-to-income ratio, so check this before applying. This simply means how much debt you currently have in relation to your income. <\/li>\n\n\n\n<li><strong>Check the Lender\u2019s Website<\/strong>: Some lenders indicate what scores they <em>generally<\/em> accept. This is usually applicable for all cards, rather than a specific one. <\/li>\n\n\n\n<li><strong>Use Pre-Qualification Tools<\/strong>: Ideally, the lender will offer pre-qualification tools. This enables you to assess eligibility without a hard credit check. As such, the search won\u2019t impact your credit score. <\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-0-introductory-period\">0% Introductory Period <\/h3>\n\n\n\n<p>You\u2019ve now created a shortlist of balance transfer cards you think you could be eligible for. Next, check how long the 0% introduction period lasts. It\u2019s best to prioritize providers with the longest time frame. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2000\" height=\"465\" src=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-2000x465.png\" alt=\"U.S. Bank Visa\u00ae Platinum Card\" class=\"wp-image-2481813\" srcset=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-2000x465.png 2000w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-300x70.png 300w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-768x179.png 768w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-1536x357.png 1536w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-2048x476.png 2048w\" sizes=\"(max-width: 2000px) 100vw, 2000px\"><\/figure>\n\n\n\n<p>This will give you the best chance of clearing your outstanding debt before the introductory period ends. All of the balance transfer cards ranked on this page offer between 15 and 21 months at 0%. <\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>In addition to balance transfers, it\u2019s worth seeing if your 0% introductory rate covers purchases. This will help you spread out large purchases without paying interest. However, be mindful of increasing your debt. After all, balance transfer cards should be used to get you debt-free. <\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-balance-transfer-fees\">Balance Transfer Fees<\/h3>\n\n\n\n<p>It\u2019s crucial to check how much you\u2019ll be charged in balance transfer fees. The vast majority of providers charge 3% of the transfer amount. Anything more than this is considered expensive. <\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Looking for the best balance transfer cards with no transfer fee? Your options will be limited. For example, while the Navy Federal Credit Union Platinum Credit Card doesn\u2019t charge transfer fees, the introductory APR is 0.99%. Similarly, the Boeing Employees Credit Union Credit Card offers 0% transfer fees. However, you\u2019ll either need to be a Boeing employee, a member of a credit union, or associated with select universities.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-transfer-time-frame\">Transfer Time Frame<\/h3>\n\n\n\n<p>You should also check how much time you have to complete the balance transfer. This can vary widely depending on the provider. For example, The Citi Double Cash\u00ae Card and the Discover it\u00ae Balance Transfer give you 4 months. <\/p>\n\n\n\n<p>However, this is reduced to just 60 days when using the Bank of America\u00ae Unlimited Cash Rewards Credit Card and the Chase Slate Edge\u2120. If you don\u2019t complete the transfer within the stated time frame, you won\u2019t get the 0% introductory rate. What\u2019s more, you\u2019ll pay a higher transfer fee. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-fees\">Fees<\/h3>\n\n\n\n<p>The best balance transfer cards do not charge annual fees. However, this isn\u2019t always the case, so it\u2019s important to check. <\/p>\n\n\n\n<p>If you\u2019re planning to travel, you should also check whether fees are charged when using the card overseas. Unless you\u2019re getting a travel-specific balance transfer card, foreign transaction fees of 3% will likely apply. <\/p>\n\n\n\n<p>Although you should strive to at least pay the minimum, you should also be aware of late and missed payment fees.  <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-limit\">Credit Limit<\/h3>\n\n\n\n<p>You\u2019ll want to choose a balance transfer card that offers a sufficient credit limit. The limit should cover <em>all<\/em> of your outstanding debts held on other cards. This means you\u2019ll no longer need to pay interest, as the debts will move over to your 0% introductory rate. <\/p>\n\n\n\n<p>For example, suppose you\u2019ve got three credit cards each with $2,000. Ideally, your selected balance transfer card should offer a credit limit of at least $6,000. <\/p>\n\n\n\n<p>Unfortunately, we found that most credit card providers only state the <em>minimum<\/em> limit that they can offer. The actual limit you get will depend on your creditworthiness. This will be determined when the lender checks your credit history with third-party sources.  <\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Websites like Credit Karma and FicoForums allow existing cardholders to share their experiences. Many will share their credit score and the limit they received from the respective lender. This should give you an idea of what to expect. <\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rewards\">Rewards<\/h3>\n\n\n\n<p>If you have a \u2018Good\u2019 or \u2018Excellent\u2019 credit limit, you\u2019ll likely have access to the best balance transfer cards. Moreover, some of the top-tier options double up as rewards credit cards. This means you can manage your debt while earning perks like cash back and air miles. <\/p>\n\n\n\n<p>For example, the Citi Double Cash\u00ae Card offers unlimited 2% cash back on all credit card purchases. There are no spending restrictions, meaning you\u2019re effectively reducing your cost of living by 2%. This is in addition to 18 months of 0% interest on balance transfers. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2000\" height=\"769\" src=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-19-2000x769.jpg\" alt=\"\" class=\"wp-image-2481812\" srcset=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-19-2000x769.jpg 2000w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-19-300x115.jpg 300w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-19-768x295.jpg 768w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-19-1536x591.jpg 1536w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-2-19-2048x788.jpg 2048w\" sizes=\"(max-width: 2000px) 100vw, 2000px\"><\/figure>\n\n\n\n<p>Most rewards cards also come with introductory offers, allowing you to earn bonus points when meeting a spending target. For instance, the Wells Fargo Active Cash\u00ae Card offers $200 cash back when spending $500 within the first 90 days of being approved.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pros-and-cons-of-balance-transfer-credit-cards\"><span id=\"pros_and_cons_of_balance_transfer_credit_cards\">Pros and Cons of Balance Transfer Credit Cards<\/span><\/h2>\n\n\n\n<p>Here\u2019s what pros and cons to consider when exploring the <a href=\"https:\/\/www.valuewalk.com\/credit-cards\/best-credit-cards\/\">best credit cards<\/a> for balance transfers: <\/p>\n\n\n\n<p><strong>Pros<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Avoid paying interest on outstanding credit card balances<\/li>\n\n\n\n<li>Many 0% introductory rates last for 15-18 months<\/li>\n\n\n\n<li>One of the most effective ways of becoming debt-free<\/li>\n\n\n\n<li>Balance transfer cards rarely come with annual fees<\/li>\n\n\n\n<li>Some cards offer rewards like cash back and hotel points<\/li>\n\n\n\n<li>The majority of the transfer process is taken care of by the lender<\/li>\n<\/ul>\n\n\n\n<p><strong>Cons<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The best transfer balance credit cards require \u2018Good\u2019 or \u2018Excellent\u2019 credit<\/li>\n\n\n\n<li>Most cards come with a 3% balance transfer fee<\/li>\n\n\n\n<li>You\u2019ll lose your 0% rate if you miss a payment<\/li>\n\n\n\n<li>High interest rates are charged after the introductory period<\/li>\n\n\n\n<li>Not suitable for very large debts   <\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-alternatives-to-0-balance-transfer-cards\"><span id=\"alternatives_to_0_balance_transfer_cards\">Alternatives to 0% Balance Transfer Cards<\/span><\/h2>\n\n\n\n<p>Balance transfer cards are just one option when consolidating debt. Here are some alternatives to consider before proceeding. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-debt-consolidation-loan\"><strong>Debt Consolidation Loan<\/strong><\/h3>\n\n\n\n<p>Debt consolidation loans allow you to consolidate multiple debts into one loan. There are several reasons why this could be more suitable than balance transfer cards. <\/p>\n\n\n\n<p>First, if you have a very large amount of outstanding debt with high interest, a balance transfer card likely won\u2019t suffice. This is because limits will be much lower when compared to a debt consolidation loan.   <\/p>\n\n\n\n<p>Second, debt consolidation loans usually come with much longer repayment terms. This is often multiple years. In contrast, the longest 0% balance transfer period we found was 21 months. This might not be enough time if you have a lot of debt. <\/p>\n\n\n\n<p>Third, debt consolidation loans are easier to get if you have bad credit. This isn\u2019t the case with balance transfer cards. As we\u2019ve established, the best 0 APR credit cards for balance transfers require at least \u2018Good\u2019 credit. Top-tier cards require an \u2018Excellent\u2019 score.   <\/p>\n\n\n\n<p>All that being said, debt consolidation loans will attract interest, meaning you won\u2019t get a 0% introductory rate. You should, however, get lower APRs than you\u2019re currently paying elsewhere. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-home-equity-line-of-credit-heloc\"><strong>Home Equity Line of Credit (HELOC)<\/strong><\/h3>\n\n\n\n<p>Another alternative to balance transfer credit cards is a Home Equity Line of Credit (HELOC). Put simply, a HELOC is a secured loan against the equity in your home. For instance, suppose your home is worth $400,000 and you owe $150,000 on your outstanding mortgage. This means your equity is $250,000, which you can use to secure a loan. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2000\" height=\"753\" src=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-3-2000x753.png\" alt=\"\" class=\"wp-image-2481814\" srcset=\"https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-3-2000x753.png 2000w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-3-300x113.png 300w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-3-768x289.png 768w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-3-1536x578.png 1536w, https:\/\/www.valuewalk.com\/wp-content\/uploads\/2024\/01\/image-3-2048x771.png 2048w\" sizes=\"(max-width: 2000px) 100vw, 2000px\"><\/figure>\n\n\n\n<p>A HELOC is a better option than a balance transfer card if you have large debts. As we mentioned, credit limits on balance transfer cards can be modest. What\u2019s more, HELOC loans come with longer repayment terms, often at favorable rates. <\/p>\n\n\n\n<p>After all, the loan is secured by your home. Although you\u2019ll get 0% APR with a balance transfer card, this is only for a limited amount of time. After that, you\u2019ll revert to high APR. Moreover, in some cases, a <a href=\"https:\/\/www.irs.gov\/faqs\/itemized-deductions-standard-deduction\/real-estate-taxes-mortgage-interest-points-other-property-expenses\/real-estate-taxes-mortgage-interest-points-other-property-expenses-2\">HELOC loan can be tax deductible<\/a>. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-methodology\"><span id=\"methodology\">Methodology<\/span><\/h2>\n\n\n\n<p>Our primary goal is to help consumers select the best credit products. Therefore, to rank the best 0 balance transfer credit cards, we developed a solid methodology. We initially focused on non-negotiable metrics, such as 0% APR introductory rates for at least 15 months. <\/p>\n\n\n\n<p>What\u2019s more, we only considered cards offering balance transfer fees of 3% or less. After that, we explored variable metrics, such as estimated credit limits, eligibility, and benefits. We also assessed the application process and how long it takes to complete the balance transfer. <\/p>\n\n\n\n<p>Additional preference was given to balance transfer cards offering rewards, such as air miles and cash back. All that being said, consumers are advised to perform their own research when selecting a card. After all, many balance transfer cards didn\u2019t make our cut but could still be suitable. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\"><span id=\"conclusion\">Conclusion<\/span><\/h2>\n\n\n\n<p>We\u2019ve ranked the best balance transfer cards for 2025. Each option offers 0% interest for at least 15 months without any annual fees.  Before proceeding, make sure you have a solid plan. You should only use a balance transfer card to consolidate debt and avoid paying interest. <\/p>\n\n\n\n<p>Never keep an open balance once the 0% introductory period is over. Moreover, never miss a payment, as you\u2019ll lose your introductory rate, not to mention hurt your credit score. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span id=\"faqs\">FAQs<\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-do-balance-transfers-affect-your-credit-score\"><strong>Do balance transfers affect your credit score?<\/strong><\/h3>\n\n\n\n<p>Applying for a balance transfer card can cause a temporary drop in your credit score. But over time, balance transfers can improve your score, as you\u2019ll be reducing your debt.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-is-the-best-credit-card-to-transfer-funds-to\"><strong>What is the best credit card to transfer funds to?<\/strong><\/h3>\n\n\n\n<p>Citi Simplicity\u00ae Card is one the best 0 APR balance transfer credit cards. You\u2019ll get 18 months of 0% interest and 4 months to make the transfer.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-who-is-offering-0-on-balance-transfers\"><strong>Who is offering 0% on balance transfers?<\/strong><\/h3>\n\n\n\n<p>Some of the best balance transfer credit cards offering 0% APR include the Citi Simplicity\u00ae Card, U.S. Bank Visa\u00ae Platinum Card, and BankAmericard\u00ae Credit Card. The Citi Double Cash\u00ae Card and Discover it\u00ae Balance Transfer are also worth considering.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-is-it-a-good-idea-to-keep-transferring-credit-card-balances\"><strong>Is it a good idea to keep transferring credit card balances?<\/strong><\/h3>\n\n\n\n<p>Making another balance transfer before your 0% introductory rate expires can be worthwhile. However, it\u2019s best to try and clear your debt in full.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-are-the-best-balance-transfer-cards-with-no-transfer-fee\"><strong>What are the best balance transfer cards with no transfer fee<\/strong>?<\/h3>\n\n\n\n<p>One of the best balance transfer credit cards with no fee is the Boeing Employees Credit Union Credit Card. However, eligibility is limited to Boeing employees and credit union members. Most balance transfer cards charge a 3% transfer fee. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-references\"><span id=\"references\">References<\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/fred.stlouisfed.org\/series\/TERMCBCCALLNS#0\">https:\/\/fred.stlouisfed.org\/series\/TERMCBCCALLNS#0<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-difference-between-late-payment-missed-payment\/\">https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-difference-between-late-payment-missed-payment\/<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/does-applying-credit-cards-hurt-credit\/\">https:\/\/www.experian.com\/blogs\/ask-experian\/does-applying-credit-cards-hurt-credit\/<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.equifax.com\/personal\/education\/debt-management\/articles\/-\/learn\/credit-utilization-ratio\/\">https:\/\/www.equifax.com\/personal\/education\/debt-management\/articles\/-\/learn\/credit-utilization-ratio\/<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.irs.gov\/faqs\/itemized-deductions-standard-deduction\/real-estate-taxes-mortgage-interest-points-other-property-expenses\/real-estate-taxes-mortgage-interest-points-other-property-expenses-2\">https:\/\/www.irs.gov\/faqs\/itemized-deductions-standard-deduction\/real-estate-taxes-mortgage-interest-points-other-property-expenses\/real-estate-taxes-mortgage-interest-points-other-property-expenses-2<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>When used correctly, balance transfer cards can be a smart way to manage debt \u2013 especially if you\u2019re currently paying high-interest rates. Many balance transfer cards offer 0% APRs for extended periods, often for at least 12 months. But which balance transfer card is best for your circumstances? This guide&hellip; <a class=\"more-link\" href=\"https:\/\/www.valuewalk.com\/credit-cards\/best-balance-transfer-cards\/\">Continue reading <span class=\"screen-reader-text\">Best Balance Transfer Cards 2025<\/span><\/a><\/p>\n","protected":false},"author":5478,"featured_media":2481823,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[656064],"class_list":["post-2481792","comparisons","type-comparisons","status-publish","has-post-thumbnail","hentry","category-credit-cards","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Balance Transfer Cards 2025 - ValueWalk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.valuewalk.com\/credit-cards\/best-balance-transfer-cards\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best Balance Transfer Cards 2025 - 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