5 Best Balance Transfer Cards

5 Best Balance Transfer Cards

After 15 hours of research evaluating 100 products, we picked Chase Slate® as our top choice.

Quick List: 4 Best

The top four picks on our list
Overall Best Balance Transfer Credit Card
Chase Slate®
  • Doesn’t require a perfect credit score
  • No annual fee
  • Accepted pretty much everywhere
Best Balance Transfer Credit Card for Long-Term Use
Citi Simplicity® Card
  • Generous with fees
  • A long 0% introductory APR promotion
  • You can set your own due date
Best Discover Balance Transfer Credit Card
Discover it® Balance Transfer
  • Promotional APR encourages balance transfers
  • Cash-back rewards
  • Great for short-term and long-term use
Best Visa Balance Transfer Credit Card
U.S. Bank Visa® Platinum Card
  • Low APR, even after the promotional period ends
  • Flexible due dates
  • Online account management

Got a balance on your credit cards? Join the club.

Less than 1 out of 3 Americans pay their credit cards in full each month, according to CreditCards.com. And the remaining cardholders? Well, more than 42% of credit card users carry a balance, and approximately 28% of credit cards are active but unused.

So a list of the best balance transfer cards available is well worth your read and may pay off in spades. Because with statistics like that, it’s not surprising that the average household has more than $16,000 of credit card debt.

If you can relate - or even if your debt is nowhere near the average amount - you might benefit from securing one of the best balance transfer credit cards around.

Wait...you want me to get another credit card?

Yes, but only if it helps you! Racking up more debt on a new card obviously won’t help, but transferring your existing debt to one of the best balance transfer cards with a lower interest rate might.

We’ve compiled a detailed list of the best balance transfer cards to help you say sayonara to high interest rates on existing balances. If your FICO score needs some TLC, you might want to check out our list of the best credit cards for bad credit or the best secured credit cards instead.

Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated June 18, 2018 but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.

Editorial staff

Last updated: June 18, 2018