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2020

Best Balance Transfer Credit Cards

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When used responsibly, balance transfers can be a great way to reduce the amount of interest you’re charged as you pay off debt. Many credit cards offer 0% introductory APRs for balance transfers that vary in length. The details change from time to time, but you can find balance transfer intro offers that span nearly two years — giving you quite a while to pay off debt interest-free.

Best Balance Transfer Credit Cards
Brendan Harkness

By Brendan Harkness

Our Selection Criteria

When scoping out the best balance transfer cards, look at these features:s:

  • Balance transfer APR (aka interest rate): Lower is better. Get one with a lower interest rate than what you have now (preferably a 0% introductory rate). With most cards, you’ll need to request or complete the transfers within a certain time frame of being approved to qualify for the 0% rate.
  • Introductory balance transfer APR period: This is the amount of time you’ll have to pay off the transferred balance at the specified rate. Longer is better, giving you more time to pay off your debt at low interest before the intro period ends.
  • Balance transfer fee: Lower is better. Some cards today have no balance transfer fees at all, or no fees for a certain period after being approved.
  • Card issuer: You usually won’t be able to transfer balances between two cards from the same issuer. So you can’t transfer from one Amex card to another, for example, or one Discover card to another. You’ll have to transfer to a different credit card issuer or bank.

On a credit card, the balance transfer APR is separate from the purchase APR. In most cases the purchase and balance transfer APRs will be the same rate, but not always.

A 0% APR is the best you can get for balance transfers, so look for these no-interest introductory offers. Many credit cards allow balance transfers, but they aren’t always at zero interest.

Ready to transfer your balance and start saving money? Learn what to do next in How Credit Card Balance Transfers Work.

Is a Balance Transfer Card Right for You?
Best Balance Transfer Credit Cards
Brendan Harkness

By Brendan Harkness

Is a Balance Transfer Card Right for You?

Balance transfer credit cards can help you save a lot of money and get out of credit card debt more quickly. If you’re carrying a balance with an interest rate on almost any type of account, you may be able to transfer some or all of it  (depending on your credit limit) to a new credit card and pay it off at 0% APR.

Are you carrying a balance on a credit card with an interest rate over 0%? If so, even if your card has a lower-than-average interest rate, you should consider moving it to a card with a 0% APR to save money. If you have personal loans or other installment loans you’re thinking about transferring, this may not be a good idea because they tend to have low interest rates and don’t hurt your credit much compared to revolving debt.

Balance transfers can be a great tactic in your fight to reduce debt. Whether you use the snowball method or the avalanche method, it’s always a good idea to try to reduce the amount of interest charges you end up paying.

Consider a balance transfer credit card if you:

  • Have credit card debt or other debt at an APR above 0%, which you won’t be able to pay off within the next few months
  • Have a plan to pay off the debt without accumulating more debt on a different card
  • Don’t mind the credit inquiry or the impact the new card account will have on the account age of your credit scores (generally a small impact, which will usually be worth the hit to get out of debt sooner)

Sometimes you’ll get balance transfer offers on credit cards that you already have. For example, our editor’s Bank of America® Cash Rewards Credit Card (Review) recently gave him a balance transfer offer of 0% for 12 months or 1.99% for 15 months. There was a 3% transfer fee for each offer. Card issuers might do this occasionally to encourage you to carry a balance on one of their cards again.

Our Selection Criteria
BEST PICK FOR

Long 0% Period (Citi)

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR 15.24%–25.24% Variable
Apply Now

securely on the issuer's website

There’s nothing complicated about the Citi® Diamond Preferred® Card (Review).

It’s all about the balance transfers, with an exceptionally long intro period. New purchases will get a shorter introductory APR period.

  • Balance Transfer APR: 0% for 21 months, then 15.24%–25.24% Variable
  • Balance Transfer fee: 5%, $5 minimum

This could be the right card if all you want is a long time to pay off some debt, although it does have a transfer fee. Compare this card to others without transfer fees, but with shorter promotional periods, to see which intro APR offer will end up saving you the most money over time.

  • Citi Concierge: Call 1-800-508-8930 anytime to speak with a personal assistant, who can help with non-emergency tasks like finding tickets or making reservations.
  • Citi Entertainment: Access tickets to a wide variety of events, like concerts and sporting events, occasionally including presales and exclusive experiences.
  • Free FICO Score: Check your FICO Bankcard Score 8, based on your Equifax credit report, for free.
  • Purchase APR: 0% for 12 months, then 15.24%–25.24% Variable
  • Annual fee: $0
Citi Simplicity® Card – No Late Fees Ever

Citi Simplicity® Card – No Late Fees Ever

  • Balance Transfer APR: 0% for 21 months, then 16.24% - 26.24% (Variable)
  • Balance transfer fee: 5% of each balance transfer; $5 minimum.
  • Purchase APR: 0% for 12 months, then 16.24% - 26.24% (Variable)
  • Annual fee: $0
View card details
Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

  • Balance transfer APR: 0% for 18 months on Balance Transfers, for transfers completed within 4 months, then 15.49% – 25.49% (Variable)
  • Balance transfer fee: 3% of each balance transfer; $5 minimum.
  • Purchase APR: 15.49% – 25.49% (Variable)
  • 2% cash back for every purchase
  • Annual fee: $0
View card details
Citi Rewards+℠ Card

Citi Rewards+ Card

  • Purchase and Balance transfer APR: 0% for 15 months, for transfers completed within 4 months, then 14.99% - 24.99% (Variable)
  • Balance transfer fee: 3% of each balance transfer; $5 minimum.
  • 2X ThankYou points per dollar on up to $6,000 spent per year, at:
    • Supermarkets
    • Gas stations
  • 1X ThankYou point per dollar on all other purchases
  • Point Round Up: Each purchase rounds up to the nearest 10 points
  • Annual fee: $0
View card details
2 3
BEST PICK FOR

Long 0% Period (U.S. Bank)

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

Our rating
Min. credit level Fair
Details
Annual Fee $0
Regular APR 15.49%–25.49% Variable
Apply Now

securely on the issuer's website

The U.S. Bank Visa® Platinum Card has one of the longest 0% balance transfer periods available.

It’s not quite as long as the offers from Citi above, but keep in mind that you can only transfer balances between issuers. So if you have a balance on a Citi credit card already, you may want a U.S. Bank card to transfer it over.

  • Balance transfer APR: 0% for 18 billing cycles, for transfers made within 60 days, then 15.49%–25.49% Variable
  • Balance transfer fee: 3%, $5 minimum
  • Free credit score: Check your VantageScore 3.0 credit score from TransUnion whenever you’d like.
  • Shopping and travel protections: Cell Phone Protection, Extended Warranty Protection, Auto Rental Collision Damage Waiver, and more
  • Purchase APR: 0% for 18 billing cycles, then 15.49%–25.49% Variable
  • Annual fee: $0
U.S. Bank Cash+™ Visa Signature® Card

U.S. Bank Cash+™ Visa Signature® Card

  • Balance transfer APR: 0% for 12 billing cycles on Balance Transfers*, for transfers requested within 60 days, then 15.49% - 25.49%* Variable
  • Balance transfer fee: 3%
  • 5% cash back on your first $2,000 in combined net purchases each quarter on two categories you choose
  • 2% cash back on your choice of one everyday category (like gas or groceries)
  • 1% cash back on everything else
  • Annual fee: $0*
View card details
U.S. Bank Cash 365™ American Express® Card

U.S. Bank Cash 365™ American Express® Card

  • Balance transfer APR: 0% for 12 billing cycles on Balance Transfers*, for transfers requested within 60 days, then 15.74% - 25.24%* Variable
  • Balance transfer fee: 3%
  • 1.5% cash back on every purchase
  • Annual fee: $0*
View card details
BEST PICK FOR

Long 0% Period (Wells Fargo)

Wells Fargo Platinum Visa card

Wells Fargo Platinum Visa card

Our rating
Min. credit level Fair
Details
Annual Fee $0
Regular APR 13.74%-27.24% Variable
Apply Now

securely on the issuer's website

Looking for some time to pay off a big balance? The Wells Fargo Platinum Visa card can provide, with over a year to pay off your debt at a low interest rate.

Like most cards dedicated to balance transfers, you won’t earn any rewards or get any spectacular benefits. But if you’re dealing with a balance on a high-interest card from an issuer other than Wells Fargo, this card could work for you.

  • Balance transfer APR: 0% for 18 months on qualifying balance transfers, for transfers requested within 120 days, then 13.74%-27.24% Variable
  • Balance transfer fee: 3% for 120 days, then 5%
  • Free credit score: Check your FICO Score 9 whenever you’d like, based on your Experian credit report.
  • Shopping and travel protections: Including Cell Phone Protection, Auto Rental Collision Damage Waiver, Travel Accident Insurance, and more
  • Purchase APR: 0% for 18 months, then 13.74%-27.24% Variable
  • Annual fee: $0
Wells Fargo Cash Wise Visa® card

Wells Fargo Cash Wise Visa® card

  • Purchase and Balance Transfer APR: 0% for 15 months on qualifying balance transfers, for transfers requested within 120 days, then 15.49%-27.49% Variable
  • Balance transfer fee: 3% for 120 days, then 5%
  • 1.5% cash back for every purchase
  • Annual fee: $0
View card details
Wells Fargo Visa Signature® Card

Wells Fargo Visa Signature® Card

  • Purchase and Balance Transfer APR: 0% for 15 months, for transfers requested within 120 days, then 14.49%–27.99% Variable
  • Balance transfer fee: 3%, $5 minimum for 15 months then up to 5%, $5 minimum
  • 5X points per dollar, up to $12,500 spent in the first 6 months, on:
    • Gas
    • Grocery
    • Drugstore purchases
  • 1X point per dollar for all other purchases
  • Annual fee: $0
View card details
Wells Fargo Rewards Card

Wells Fargo Rewards Card

  • Purchase and Balance Transfer APR: 0% for 15 months, for transfers requested within 120 days, then 18.74%–27.74% Variable
  • Balance transfer fee: 3%, $5 minimum
  • 5X points per dollar, up to $12,500 spent in the first 6 months, on:
    • Gas
    • Grocery
    • Drugstore purchases
  • 1X point per dollar for all other purchases
  • Annual fee: $0
View card details
Wells Fargo Propel American Express® card

Wells Fargo Propel American Express® card

  • Purchase and Balance Transfer APR: 0% for 12 months on qualifying balance transfers, for transfers requested within 120 days, then 15.49%-27.49% Variable
  • Balance transfer fee: 3% for 120 days, then 5%
  • 3X points per dollar at:
    • Restaurants
    • Gas stations
    • Travel
    • Eligible streaming services
  • 1X point per dollar on all other purchases
  • Annual fee: $0
View card details
2 4
BEST PICK FOR

No Transfer Fees

BankAmericard® Credit Card

BankAmericard® Credit Card

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR 15.24%–25.24% Variable
Apply Now

securely on the issuer's website

The BankAmericard® Credit Card isn’t too flashy, but it’s excellent for balance transfers.

  • Balance Transfer APR: 0% for 15 billing cycles, then 15.24%–25.24% Variable (for transfers made within 60 days of account opening)
  • Balance Transfer fee: $0 for first 60 days, then 3%, $10 minimum

Take note that you’ll have to make your transfers within the first 60 days to get the 0% rate and the $0 transfer fee. After that, any transfers will be at the regular rate and will cost a fee.

Like most cards designed around balance transfers, there isn’t much else here. Its main purpose is to help you pay off a balance over time. And if you use it responsibly, making monthly payments by the due date, it can do just that.

  • Free FICO credit score: Check your FICO Score 8 whenever you’d like, based on your TransUnion credit report.
  • Purchase APR: 0% for 15 billing cycles, then 15.24%–25.24% Variable
  • Annual fee: $0
Chase Slate®

Chase Slate®

This card is almost exactly the same as the BankAmericard, but it has a slightly higher transfer fee after the first 60 days and so it doesn’t make the top spot.

  • Purchase and balance transfer APR: 0% for 15 months, then 17.24%–25.99% Variable
  • Balance transfer fee: $0 for the first 60 days, then 5%, $5 minimum
  • Balance transfer limit: $15,000
  • Annual fee: $0
View card details
Amex EveryDay® Credit Card

Amex EveryDay® Credit Card

This is a rewards card with a long intro period and no balance transfer fee — a rare find, but you might prefer to use this card for the points and signup bonus, rather than balance transfers.

  • Purchase and balance transfer APR: 0% for 15 months, for transfers requested in the first 60 days, then 14.99%–25.99% Variable
  • Balance transfer fee: None
  • 2X Membership Rewards points per dollar at U.S. supermarkets, up to $6,000 spent per year (then 1X)
  • 20% point bonus: Earn 20% more points if you make 20 or more purchases per month
  • 10,000 bonus points for spending $1,000 in the first 3 months after account opening
  • Annual fee: $0
View card details
NFCU Platinum Credit Card

NFCU Platinum Credit Card

  • Balance transfer APR: 0% for 12 months, for transfers requested within 30 days, then 8.24%–18.00% Variable
  • Balance transfer fee: None
  • Purchase APR: 8.24%–18.00% Variable
  • Annual fee: $0
View card details
2 3
BEST PICK FOR

Bonus Categories

Amex EveryDay® Credit Card

Amex EveryDay® Credit Card

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR 14.99%–25.99% Variable
Apply Now

securely on the issuer's website

The Amex EveryDay® Credit Card (Review) is a rare breed because it offers a top-notch balance transfer deal — a long intro period and no transfer fee — along with a solid rewards program (most great balance transfer cards don’t have very good rewards).

  • Balance Transfer APR: 0% for 15 months, then 14.99%–25.99% Variable (for transfers requested within 60 days)
  • Balance Transfer fee: None

There are many rewards cards with 0% intro APR periods. But they usually have transfer fees of 3% or so, and that makes them not as good for balance transfers. This might be the only credit card to offer bonus categories and a 0% fee for all transfers.

Take note of the 60-day limit for balance transfers at the 0% rate. But the 0% transfer fee has no time limit, unlike the balance transfer credit cards above — this is a rare find, but it’s not too useful because after 60 days any transfers will get the regular APR, making them poor choices for paying down debt.

  • 2X Membership Rewards points per dollar at U.S. supermarkets, up to $6,000 spent per year (then 1X)
  • 20% point bonus: Earn 20% more points if you make 20 or more purchases per month
  • 10,000 bonus points for spending $1,000 in the first 3 months after account opening
  • Amex Offers: Discounts or extra points at specific merchants, like Sam’s Club, Pinterest, Boxed, and many more.
  • Complimentary ShopRunner membership: Register with ShopRunner for free two-day shipping and returns at select online retailers.
  • Entertainment Access: Exclusive discounts to events, concerts, sporting events, and shows.
  • Annual fee: $0
Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • Purchase and balance transfer APR: 0% for 15 months, for transfers requested within 60 days, then 14.49–25.49% Variable (Rates & Fees)
  • Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • 3% cash back at U.S. supermarkets, up to $6,000 spent per year (then 1%)
  • 2% cash back at U.S. gas stations and select U.S. department stores
  • 1% cash back on all other purchases
  • Annual fee: $0
View card details
Capital One® SavorOne® Cash Rewards Credit Card

Capital One® SavorOne® Cash Rewards Credit Card

  • Purchase and balance transfer APR: 0% for 15 months, then 15.49% - 25.49% Variable
  • Balance transfer fee: 3%
  • 3% cash back on:
    • Dining
    • Entertainment
  • 2% cash back at Grocery Stores
  • 1% cash back on all other purchases
  • No foreign transaction fee
  • Annual fee: $0
View card details
Citi Rewards+℠ Card

Citi Rewards+ Card

  • Purchase and Balance Transfer APR: 0% for 15 months (for transfers made in the first 4 months), then 14.99% - 24.99% (Variable)
  • Balance transfer fee: 3% of each balance transfer; $5 minimum.
  • 2X ThankYou points per dollar spent at (on the first $6,000 spent per year, then 1X):
    • Supermarkets
    • Gas stations
  • 1X ThankYou point per dollar for all other purchases
  • Point Round Up: Every purchase will round up to the nearest 10 points.
  • 10% Points Back: For the first 100,000 ThankYou points redeemed per year
  • Annual fee: $0
View card details
Bank of America® Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card

  • Purchase and balance transfer APR: 0% for 12 months with 3% balance transfer fee now through March 31, 2020, then 11.74% to 17.99% Variable
  • Balance transfer fee: 3% per transaction
  • 3% cash back in your choice of one category each month
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • Spending limit: 3% and 2% rewards only up to $2,500 per quarter, then 1%
  • No foreign transaction fee
  • Annual fee: $0
View card details
PenFed Power Cash Rewards Visa Signature® Card

PenFed Power Cash Rewards Visa Signature® Card

  • Purchase and balance transfer APR: 0% for 12 months with 3% balance transfer fee now through March 31, 2020, then 11.74% to 17.99% Variable
  • Balance transfer fee: 3% per transaction
  • 1.5% cash back on all purchases made with your card
  • 2% cash back on all purchases for PenFed Honors Advantage Members
  • No foreign transaction fee
  • Annual fee: $0
View card details
Wells Fargo Propel American Express® card

Wells Fargo Propel American Express® card

  • Purchase and Balance Transfer APR: 0% for 12 months (for transfers made in the first 60 days), then 15.49%-27.49% Variable
  • Balance transfer fee: 3% for 120 days, then 5%
  • 3X points per dollar spent on:
    • Dining
    • Gas
    • Travel
    • Streaming services
  • 1X point per dollar spent on all other purchases
  • Annual fee: $0
View card details
JetBlue Card

JetBlue Card

  • Balance transfer APR: 0% for 12 billing cycles (on balance transfers made within 45 days of account opening), for transfers made within 45 days, then 18.24%, 22.24% or 27.24% Variable
  • Balance transfer fee: 3%, $5 minimum
  • Purchase APR: 18.24%, 22.24% or 27.24% Variable
  • 3X points per dollar spent on JetBlue purchases
  • 2X points per dollar spent at:
    • Restaurants
    • Grocery stores
  • 1X point per dollar spent on all other purchases
  • No foreign transaction fee
  • Annual fee: $0
View card details
2 7

The information related to Amex EveryDay® Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

BEST PICK FOR

Flat-Rate Rewards

Citi® Double Cash Card - 18 month BT offer

Citi® Double Cash Card - 18 month BT offer

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR 15.49% – 25.49% (Variable)
Apply Now

securely on the issuer's website

This card’s got a pair of excellent features: A long 0% balance transfer offer along with the best flat-rate rewards program in the game.

But take note that you’ll only get that low rate for transferred balances. Purchases will be subject to the regular APR, so be sure to pay them off each month.

  • Balance Transfer APR: 0% for 18 months on Balance Transfers, then 15.49% – 25.49% (Variable)
  • Balance Transfer fee: 3% of each balance transfer; $5 minimum.
  • Citi Concierge: Call for non-emergency help whenever you need it, like assistance making travel reservations.
  • ShopRunner membership: Use ShopRunner to get free two-day shipping and returns at participating retailers.
  • Free Credit Score: Check your FICO Bankcard Score 8 for free, based on your Equifax credit report.
  • Purchase APR: 15.49% – 25.49% (Variable)
  • Annual fee: $0
Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • Purchase and Balance Transfer APR: 0% for 15 months, (for transfers requested within 60 days), then 16.49% - 25.24% Variable
  • Balance Transfer fee: 3% when you transfer during the first 60 days of account opening, with a minimum of $5. Then, either $5 or 5% of the amount of each transfer, whichever is greater.
  • 5% cash back on Lyft rides (through March 2020)
  • 1.5% cash back for all purchases
  • Annual fee: $0
View card details
Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

  • Purchase and Balance Transfer APR: 0% for 15 months, then 15.49% - 25.49% Variable
  • Balance Transfer fee: 3%
  • 1.5% cash back for all purchases
  • No foreign transaction fee
  • Annual fee: $0
View card details
American Express Cash Magnet® Card

American Express Cash Magnet® Card

  • Purchase and Balance Transfer APR: 0% for 15 months, then 14.49–25.49% Variable (for transfers requested in the first 60 days) (Rates & Fees)
  • 1.5% cash back for all purchases
  • Annual fee: $0
View card details
Wells Fargo Cash Wise Visa® card

Wells Fargo Cash Wise Visa® card

  • Purchase and Balance Transfer APR: 0% for 15 months, then 15.49%-27.49% Variable (for transfers requested in the first 120 days)
  • 1.5% cash back for all purchases
  • Annual fee: $0
View card details
2 4
BEST PICK FOR

Rotating Bonus Categories

Chase Freedom®

Chase Freedom®

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR 16.49% - 25.24% Variable

Two easy criteria here:

  • Rotating reward categories? Check.
  • Long 0% balance transfer period? Check.

Rather than offering the same bonus categories year-round, the Chase Freedom® (Review) gives you new categories to earn 5% back in every three months. Check out the potential 5% categories to see if they’ll fit your expected spending.

Got any other cards from Chase? If you have certain Ultimate Rewards cards you could move your cash back to one of them, before redeeming it for travel or transferring to an airline or hotel partner. That could give you way more bang for your buck!

  • Balance Transfer APR: 0% for 15 months, then 16.49% - 25.24% Variable (for transfers requested within 60 days)
  • Balance Transfer fee: 3% when you transfer during the first 60 days of account opening, with a minimum of $5. Then, either $5 or 5% of the amount of each transfer, whichever is greater.
  • DoorDash membership: A free membership (DashPass) for three months, and a 50% discount for the next nine months; a DashPass provides free delivery for orders of $15 or more
  • Chase Credit Journey: Check and monitor your VantageScore 3.0, based on your TransUnion credit report.
  • Purchase APR: 0% Intro APR on Purchases for 15 months (then 16.49% - 25.24% Variable)
  • Balance transfer limit: $15,000
  • Annual fee: $0
Discover it® Cash Back

Discover it® Cash Back

  • Purchase and balance transfer APR: 0% for 14 months, for transfers completed by a specified date, then 13.49% - 24.49% Variable
  • Balance transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
  • 5% cash back in categories that rotate every three months, up to $1,500 spent per quarter
  • Cashback Match: Earn double the cash back in your first year
  • Annual fee: $0
View card details
U.S. Bank Cash+™ Visa Signature® Card

U.S. Bank Cash+™ Visa Signature® Card

  • Balance transfer APR: 0% for 12 billing cycles on Balance Transfers*, then 15.49% - 25.49%* Variable
  • Balance transfer fee: 3%
  • 5% cash back in your choice of two categories, up to $2,000 spent per quarter
  • 2% cash back on your choice of one everyday category (like gas or groceries)
  • 1% cash back on everything else
  • Annual fee: $0*
View card details
ABOC Platinum Rewards Mastercard® Credit Card

ABOC Platinum Rewards Mastercard® Credit Card

  • Balance transfer APR: 0% for 18 months after that the variable APR will be 14.40% - 24.40%, based on your creditworthiness
  • Balance transfer fee: 3% of each balance transfer (minimum $5)
  • 5X points per dollar in rotating categories, up to $1,500 spent per quarter
  • 1X point per dollar on all other purchases
  • Annual fee: $0
View card details
Amalgamated Bank of Chicago Union Strong Card

Amalgamated Bank of Chicago Union Strong Card

  • Balance transfer APR: 0% for 18 months, then 10.75% Variable
  • Balance transfer fee: 3%, $5 minimum
  • 5X points per dollar in rotating categories, up to $1,500 spent per quarter
  • 1X point per dollar on all other purchases
  • Annual fee: $0
View card details
2 4
BEST PICK FOR

Students

BankAmericard® Credit Card for Students

BankAmericard® Credit Card for Students

Our rating
Min. credit level No Credit
Details
Annual Fee $0
Regular APR 14.99%–24.99% Variable
Apply Now

securely on the issuer's website

Student credit cards are made for people with limited or no credit, designed to help you bridge the gap between having no credit at all to getting that first credit card account on your credit reports. As such, most student cards aren’t great for paying down debt.

But there are a handful of exceptions, led by Bank of America, most notably the BankAmericard® Credit Card for Students. Not only do you get a great intro period (which is long even compared to non-student cards), you’ll also have no transfer fee for some time after being approved.

  • Balance Transfer APR: 0% for 15 months, then 14.99%–24.99% Variable (for transfers made within 60 days)
  • Balance Transfer fee: $0 for first 60 days, then 3%, $10 minimum

This card offer is basically the exact same as the regular BankAmericard® Credit Card.

  • Free FICO credit score: Check your FICO Score 8 whenever you’d like, based on your TransUnion credit report.
  • Purchase APR: 0% for 15 months, then 14.99%–24.99% Variable
  • Annual fee: $0
Bank of America Cash Rewards™ Credit Card for Students

Bank of America Cash Rewards™ Credit Card for Students

  • Purchase and balance transfer APR: 0% for 12 months, for transfers made within 60 days, then 16.24%–26.24%Variable
  • Balance transfer fee: 3%, $10 minimum
  • 3% cash back in your choice of one category every month:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back for everything else
  • Spending limit: 3% and 2% rewards only up to $2,500 per quarter, then 1%
  • Annual fee: $0
View card details
Wells Fargo Cash Back College Card

Wells Fargo Cash Back College Card

  • Purchase and balance transfer APR: 0% for 6 months, for transfers made within 120 days, then 13.15%–23.15% Variable
  • Balance transfer fee: 3%, $5 minimum for transfers made within 120 days; 5%, $5 minimum after that
  • 3% cash back for the first 6 months, up to $2,500 spent, on:
    • Gas stations
    • Grocery stores
    • Drugstores
  • 1% cash back for every other purchase
  • Annual fee: $0
View card details
Discover it® Student Cash Back

Discover it® Student Cash Back

  • Purchase and balance transfer APR: 10.99% for 6 months, for transfers made by a specified date, then 19.49% Variable
  • Balance transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
  • 5% cash back in rotating categories, up to $1,500 spent per quarter
  • 1% cash back for every other purchase
  • No foreign transaction fee
  • Annual fee: $0
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Discover it® Student chrome

Discover it® Student chrome

  • Purchase and balance transfer APR: 10.99% for 6 months, for transfers made by a specified date, then 19.49% Variable
  • Balance transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
  • 2% cash back, up to $1,500 spent per quarter, at:
    • Gas stations
    • Restaurants
  • 1% cash back for every other purchase
  • No foreign transaction fee
  • Annual fee: $0
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BEST PICK FOR

Fair Credit

Chase Slate®

Chase Slate®

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR 17.24%–25.99% Variable
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securely on the issuer's website

The Chase Slate® (Review) is about as straightforward as balance transfer cards get, offering a strong introductory APR period and no balance transfer fee for transfers made during your first 60 days as a cardholder. There’s no annual fee, either.

  • Balance Transfer APR: 0% for 15 months, then 17.24%–25.99% Variable (for transfers requested within 60 days)
  • Balance Transfer fee: $0 for the first 60 days, then 5%, $5 minimum

The Slate was designed with balance transfers in mind, so that’s really its only talking point. Fortunately, its transfer offer is strong enough that it’s tough to beat if you’re working with fair credit.

  • DoorDash membership: A free membership (DashPass) for three months, and a 50% discount for the next nine months; a DashPass provides free delivery for orders of $15 or more
  • Chase Credit Journey: Check and monitor your VantageScore 3.0, based on your TransUnion credit report.
  • Purchase APR: 0% for 15 months (then 17.24%–25.99% Variable)
  • Balance transfer limit: $15,000
  • Annual fee: $0
Discover it® Cash Back

Discover it® Cash Back

  • Purchase and balance transfer APR: 0% for 14 months, for transfers made by a specified date, then 13.49% - 24.49% Variable
  • Balance transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
  • 5% cash back in rotating categories, up to $1,500 spent per quarter
  • 1% cash back for every other purchase
  • No foreign transaction fee
  • Annual fee: $0
View card details
Aspire Platinum Rewards Mastercard

Aspire Platinum Rewards Mastercard

  • Purchase and balance transfer APR: 0% for 6 billing cycles, then 10.90%–18.00% Variable
  • Balance transfer fee: 2%, $5 minimum
  • 1X point per dollar for all purchases
  • Annual fee: $0
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BEST PICK FOR

Bad Credit

Discover it® Secured

Discover it® Secured

Our rating
Min. credit level Bad
Details
Annual Fee $0
Regular APR 24.49% Variable
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securely on the issuer's website

A bit of an outlier when compared to the cards above, the Discover it® Secured (Review) provides a reduced balance transfer APR offer with a relatively short introductory period. That’s likely the best you’re going to find with a secured card.

If you’re desperate to transfer a high-interest balance, but your less-than-stellar creditworthiness keeps you from getting one of the above cards, the Discover it Secured might be worth your time.

  • Balance Transfer APR: 10.99% for 6 months, then 24.49% Variable
  • Balance Transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
  • 2% cash back on up to $1,000 spent per quarter (then 1%) at Gas stations and Restaurants
  • Cashback Match: New cardmembers get double cash back rewards in the first year (awarded after the first year)
  • Free FICO credit score: Check and monitor your FICO Score 8, based on your TransUnion credit report.
  • Purchase APR: 24.49% Variable
  • No foreign transaction fees
  • Annual fee: $0

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The information related to Amex EveryDay® Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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