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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.

The Amex EveryDay® Credit Card


  • $0 Annual Fee
  • Low Intro APR on purchases and balance transfers for 15 months.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Transfer points to hotel and airline travel partners, or redeem through AmEx travel
  • Terms Apply

Sphere Credit Card


  • $0 Annual Fee
  • 0% APR on purchases and balance transfers for 18 months, then a variable APR, based on your creditworthiness
  • One reward point earned for every dollar spent
  • 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 21 months, and 0% on purchases for 12. After that, the variable APR will be 15.99% - 25.99% based on your creditworthiness
    • 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. 

    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 16.74% - 25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • Terms Apply

    SunTrust Prime Rewards


    • $0 Annual Fee
    • 3 years intro APR at Prime Rate (currently 5.25% variable APR) on balance transfers made in the first 60 days. Variable 13.24%-23.24% APR thereafter.
    • 1% Unlimited Cash Back on all qualifying purchases
    • Terms Apply

    Discover it


    • $0 Annual Fee
    • 0% Intro APR on balance transfers for 18 months, then 13.99% - 24.99% 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

    Wells Fargo Platinum Visa® Card


    • $0 Annual Fee
    • 0% Intro APR for 15 months on purchases and balance transfers, then a 17.49% - 26.99% variable APR; balance transfer fees apply
    • Terms Apply

    BBVA Compass ClearPoints Credit Card


    • $0 Annual Fee
    • 0% for 13 months, then a variable APR 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