Best Balance Transfer Credit Cards of September 2026
These are the best products for you based on your credit.
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Best Balance Transfer Credit Cards of September 2026
Products from our Partners.
Capital One VentureOne Rewards Credit Card
on Capital One's secure site
- 0% intro on purchases for 15 months and0% intro on balance transfers for 15 months, then 18.49% - 28.49% (Variable). Balance transfer fee applies
- Earn 20,000 Miles once you spend $500 on purchases within 3 months from account opening
- 1.25 Miles per dollar on every purchase, every day and 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- $0
- Excellent, Good
BankAmericard® credit card
on Bank of America's secure site
- 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. A fee of 5% of the amount of each transaction applies to all balance transfers.
- 14.99% - 25.99% Variable APR on purchases and balance transfers
- This card has no penalty APR – paying late won't automatically raise your interest rate. Other account pricing and terms apply.
- $0
- Excellent, Good
Wells Fargo Reflect® Card
on Wells Fargo's secure site
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
- 17.49%, 23.99%, or 28.24% Variable APR on purchases and qualifying balance transfers
- $0 annual fee and up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- $0
- Excellent/Good
Chase Freedom Unlimited®
on Chase's secure site
- 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
- $0
- Excellent/Good
Chase Slate®
on Chase's secure site
- 0% Intro APR for 21 months on purchases and balance transfers
- 18.24% - 28.24% Variable APR
- With Chase Credit Journey®, get access to your credit score, identity monitoring, and receive customized score improvement plans from Experian™ – all for free.
- $0
- Excellent/Good
Chase Freedom Flex®
on Chase's secure site
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.
- 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable.
- $0
- Excellent/Good
Bank of America® Unlimited Cash Rewards credit card
on Bank of America's secure site
- 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After that, 17.49% - 27.49% Variable APR on balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
- Earn a $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Earn 1.5% cash back on all purchases
- $0
- Excellent/Good
Wells Fargo Active Cash® Card
on Wells Fargo's secure site
- 0% intro APR for 12 months from account opening on purchases & qualifying balance transfers, 18.49%, 24.49%, or 28.49% Variable APR thereafter
- Earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- $0
- Excellent/Good
Citi Strata℠ Card
on Citibank's secure site
- 0% for 15 months on Balance Transfers and 0% for 15 months on Purchases, 18.49% - 28.49% (Variable) thereafter
- Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- $0
- Excellent, Good
Bank of America® Customized Cash Rewards credit card
on Bank of America's secure site
- 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After that, 17.49% - 27.49% Variable APR on balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
- Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice, 3% cash back after the first year from account opening in your choice category, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
- $0
- Excellent, Good
Terms Apply
Blue Cash Preferred® Card from American Express
on American Express' secure site
Terms Apply
- 0% on balance transfers for 12 months and 0% on purchases for 12 months. 19.49%-28.49% Variable thereafter.
- You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
- 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- $0 intro annual fee for the first year, then $95
- Good, Excellent
AMEX
Citi Double Cash® Card
on Citibank's secure site
- 0% for 18 months on Balance Transfers, 18.24% - 28.49% (Variable) APR thereafter
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- $0
- Excellent, Good
Discover it® Chrome
on Capital One's secure site
- 0% intro on balance transfers for 18 months, then 17.49% - 26.49% (Variable) APR. Balance transfer fee applies.
- Discover will automatically match all the cash back you’ve earned at the end of your first year
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases.
- $0
- Good, Excellent
Discover
Capital One Quicksilver Cash Rewards Credit Card
on Capital One's secure site
- 0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months, 18.49% - 28.49% (Variable) thereafter. Balance transfer fee applies
- Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening.
- 1.5% Cash Back on every purchase, every day and 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
- $0
- Excellent, Good
TD Cash Credit Card
on TD Bank's secure site
- 0% introductory APR on purchases for 12 billing cycles after account opening and on balance transfers for 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your creditworthiness. Balance transfers must be completed within the first 90 days of account opening.
- Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
- Earn 3% and 2% Cash Back on your choice of spend categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on all other eligible purchases.
- No annual fee
- Good, Excellent
Terms Apply
Blue Cash Everyday® Card from American Express
on American Express' secure site
Terms Apply
- 0% on balance transfers for 15 months and 0% on purchases for 15 months, 19.49%-28.49% Variable thereafter
- You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
- 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- $0
- Good, Excellent
- AMEX
TD FlexPay Credit Card
on TD Bank's secure site
- 0% introductory APR* on balance transfers for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening.
- 17.49%, 19.49%, 22.49%, 25.49% or 27.49% variable APR based on your creditworthiness.
- No annual fee and enjoy Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
- No annual fee
- Good, Excellent
Citi Simplicity® Card
on Citibank's secure site
- 0% for 18 months on Balance Transfers
- 17.49% - 28.24% (Variable) APR
- No Late Fees, No Penalty Rate, and No Annual Fee
- $0
- Excellent, Good
What is a Balance Transfer?
A balance transfer is an incredibly useful tool to get people out of debt faster. It involves transferring your current credit card balance to a new card specifically for its balance transfer introductory APR period.
Currently, you can get a balance transfer card with 0% intro APR on balance transfers for 15, 18, and even up to 21 months. That’s a long time to make interest free payments to pay down your debt faster. One of our most popular balance transfer credit cards is the Wells Fargo Reflect® Card.
Balance transfers make sense for people with high balances and a high interest rate. If you’re currently paying hundreds in interest rate changes, you could pay $0 in interest rate charges for up to 18 months.
How much can I save by transferring my balance?
Some people save hundreds of dollars when doing a balance transfer, others save thousands. It depends on your current balance and your current interest rate.
The average interest rate for most cards are between 16 – 24%, which means you can save a lot with a card that has 0% interest for 15 or 18 months.
Step by Step: How to do a balance transfer
- First apply for a one of the balance transfer cards list above.
- Once approved, inform your new card’s issuer that you would like to perform a balance transfer
- Provide the information requested by your issuer. (usually bank account numbers and how much debt you want to transfer.
- Keep making payments on your current card until the balance transfer goes through.
- Keep an eye accounts for when the transfer goes through so you can start paying off the balance on the new card.
- Try not to use your old card and instead, if necessary, use the new card to take advantage of the 0% Intro APR promotional period.
- Continue to pay down your debt on the new balance transfer card to get out of debt faster.
- Once you’re out of debt, do a happy dance!
That’s it. The balance transfer process sounds complicated but is an incredibly useful tool to help people get out of debt faster.
How to compare balance transfer credit cards
The best way to compare balance transfer cards is to look which issuer currently holds your debt. As most banks don’t allow balance transfers from one of their cards to another one of their cards.
Next, determine whether or not you’ll qualify. Most balance transfer credit cards require either good or excellent credit to be approved. If you have average or below average credit, a credit card refinance personal loan likely makes more sense to help pay off your debt.
Then compare 0% Intro APR periods and fees. Some cards charge a 3% balance transfer fee, other charges up to 5%. Also know how long it will take you to pay off your debt. Typically, the longer you have to pay off your debt the better.
Take a look at some of the balance transfer credit cards above that have long introductory 0% APR for up to 15 or 18 months and apply today to get out of debt faster!
