Best Balance Transfer
Transfer balances and save on interest. Here are our top picks for 2026.
OUR TOP PICK
Bank Of America
BankAmericard® Credit Card
ANNUAL FEE
$0
APR
16.24%-26.24% variable
WELCOME BONUS
None
REWARDS
None (balance transfer focus card)
WHY WE LOVE IT
- 21 billing cycles of 0% intro APR on balance transfers is industry-leading
- 21 billing cycles of 0% intro APR on purchases as well
- No annual fee
- Competitive ongoing variable APR of 16.24%-26.24%
- Straightforward card with no complicated terms
- Free monthly FICO Score
- Digital account management through BofA app
- Can save hundreds or thousands in interest on transferred balances
MORE GREAT OPTIONS
Citi
Citi Diamond Preferred® Card
Citi
Citi Simplicity® Card
Discover
Discover it® Balance Transfer
NO FEE
Annual Fee:$0
Welcome Bonus:Cashback Match: Discover matches all...
REWARDS
2% cash back at gas stations and restaurants (up to $1,000/quarter), 1% on everything else
Us Bank
U.S. Bank Shield™ Visa®
NO FEE
Annual Fee:$0
Welcome Bonus:No traditional welcome bonus...
REWARDS
No traditional rewards program. $20 annual credit when you make purchases for 11 consecutive months.
Wells Fargo
Wells Fargo Reflect® Card
NO FEE
Annual Fee:$0
Welcome Bonus:None...
REWARDS
None (balance transfer and low-APR focus card)
What to Consider
How do I choose the right balance transfer card?▼
Consider your spending habits, credit score, and financial goals. Look at the rewards structure, annual fees, and additional benefits to find the best match for your needs.
What credit score do I need?▼
Most balance transfer cards require good to excellent credit (670+). However, some cards are available for those building or rebuilding credit. Check each card's requirements before applying.
Are annual fees worth it?▼
It depends on how you use the card. Cards with annual fees often offer higher rewards rates and premium benefits. Calculate if the rewards and perks you'll use outweigh the fee.
Ready to Apply?
Compare all balance transfer cards or explore other categories to find your perfect match.