7 Best Balance Transfer Credit Cards of 2026

If you are carrying high-interest credit card debt, a balance transfer card can save you hundreds or even thousands of dollars in interest. These cards offer 0% introductory APR periods that let you pay down your balance without accruing new interest charges.

We evaluated dozens of balance transfer offers based on intro APR length, transfer fees, ongoing rewards, and approval odds to bring you this ranked list.

1. Citi Double Cash Card

Best Overall Balance Transfer Card

The Citi Double Cash Card offers a 0% intro APR for 18 months on balance transfers, with a 3% transfer fee. After the intro period, the variable APR is 18.49% to 28.49%. You also earn 2% cash back on every purchase.

• Intro APR: 0% for 18 months
• Transfer Fee: 3% (min $5)
• Annual Fee: $0
• Ongoing APR: 18.49% - 28.49%

2. Wells Fargo Reflect Card

Best for Longest 0% Period

The Wells Fargo Reflect Card stands out with an initial 0% intro APR for 21 months on balance transfers and purchases.

• Intro APR: 0% for 21 months
• Transfer Fee: 3% (first 120 days)
• Annual Fee: $0
• Ongoing APR: 17.49% - 29.49%

3. Chase Slate Edge

Best for Improving Credit

Chase Slate Edge offers 0% intro APR for 18 months. It automatically reviews your account annually and may lower your APR by up to 2% if you pay on time.

• Intro APR: 0% for 18 months
• Transfer Fee: 3% (free first 60 days)
• Annual Fee: $0
• Ongoing APR: 16.49% - 25.49%

4. Discover it Balance Transfer

Best Cashback + Balance Transfer Combo

Discover it gives you 0% intro APR for 18 months on balance transfers. Plus you earn 5% cash back in rotating quarterly categories.

• Intro APR: 0% for 18 months
• Transfer Fee: 3%
• Annual Fee: $0
• Ongoing APR: 16.49% - 27.49%

5. BankAmericard Credit Card

Best No-Frills Option

The BankAmericard offers a straightforward 0% intro APR for 18 billing cycles on balance transfers.

• Intro APR: 0% for 18 billing cycles
• Transfer Fee: 3% (min $10)
• Annual Fee: $0
• Ongoing APR: 16.49% - 26.49%

6. U.S. Bank Visa Platinum Card

Best for Long Intro Period + Cell Phone Protection

U.S. Bank Visa Platinum offers 0% intro APR for 20 billing cycles on balance transfers and purchases.

• Intro APR: 0% for 20 billing cycles
• Transfer Fee: 3% (min $5)
• Annual Fee: $0
• Ongoing APR: 18.49% - 29.49%

7. Capital One Quicksilver Balance Transfer

Best Flat-Rate Rewards + Balance Transfer

Capital One Quicksilver gives you 0% intro APR for 15 months on balance transfers, plus unlimited 1.5% cash back on every purchase.

• Intro APR: 0% for 15 months
• Transfer Fee: 3%
• Annual Fee: $0
• Ongoing APR: 19.49% - 29.49%

Conclusion

Balance transfer cards are one of the most effective tools for eliminating high-interest debt. The Citi Double Cash Card tops our list for its combination of a long intro period, reasonable transfer fee, and ongoing cash back rewards.

Disclaimer: Credit card terms and offers may change. Always verify current rates and terms on the issuer website before applying.