3 Best Balance Transfer Credit Cards

Need to make a move? Don't worry we have commitment issues too. Here are our top three options for taking care of those balance transfers. Balance transfers can be a great way to save money on interest while you work to pay off high balances. The length of balance transfer intro APR period, the balance transfer fee, and how useful the card will be to you after the balance is paid off are all things you'll want to consider. 

Looking for something else? Jump below the fold for some additional options. If you disagree with our assessment, we'd love to hear from you. Shoot us an e-mail. Change our mind and be handsomely rewarded with some TPJ swag that will make your life more balanced.

Barclaycard CashForward™ World Mastercard®


  • $0 Annual Fee
  • 0% intro APR for 15 months on purchases and balance transfers,  then a 15.99% - 25.99% variable APR applies based on your creditworthiness.
  • Earn unlimited 1.5% cash rewards on every purchase.
  • Terms Apply

Citi Simplicity® Card


  • $0 Annual Fee
  • The Only card with No Late Fees, No Penalty Rate, and No Annual Fee...Ever
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness
  • Terms Apply

SunTrust Prime Rewards


  • $0 Annual Fee
  • 3 years intro APR at Prime Rate (currently 4.25% variable APR) on balance transfers made in the first 60 days. Variable 12.24%-22.24% APR thereafter.
  • 1% Unlimited Cash Back on all qualifying purchases
  • Terms Apply

Additional Balance Transfer Cards

Not interested in the top 3 balance transfer cards? Here are some additional cards that offer good balance transfer options. 

Citi® Diamond Preferred® Card


  • $0 Annual Fee
  • Get 0% Intro APR on Purchases and Balance Transfers  for 21 months. After
    that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness
  • Terms Apply

Discover it®


  • $0 Annual Fee
  • 0% Intro APR on balance transfers for 18 months, then 11.99% - 23.99% Variable
  • Earn 5% cash back in rotating categories each quarter like gas stations,
    Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Terms Apply

BankAmericard® Credit Card


  • $0 Annual Fee
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR
  • $0 Intro balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Terms Apply


Wells Fargo Platinum Visa® Card


  • $0 Annual Fee
  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
  • Terms Apply

Chase Freedom Unlimited®


  • $0 Annual Fee
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance
    transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Terms Apply

BBVA Compass ClearPoints Credit Card


  • $0 Annual Fee
  • 0% for 13 months, then 12.24% to 30.24% based on your creditworthiness.
  • CompassPoints Rewards Program – With Build Your Own Rewards, choose how
    you earn up to 3x points in categories you select. CompassPoints are redeemable for account credit.
  • Terms Apply

Sphere® Credit Card


  • $0 Annual Fee
  • 0% APR on balance transfers for 24 months, then 13.49% to 23.49% APR, based on your creditworthiness
  • 0% Intro APR on purchases for the first 12 billing cycles of your account opening. After that, 13.49% to 23.49% APR, based on your creditworthiness
  • One reward point earned for every dollar spent
  • Terms Apply