The Best Balance Transfer Credit Cards

Balance transfer credit cards have the power to drastically cut your payments with 0% APR. But there’s a cost, and rules to follow.

A zero percent sign.
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Rates checked as of October 31, 2023.

This article only highlights our picks for the best balance transfer credit cards. We may get compensation if you visit partner links on our site. We may not cover every available offer. Our relationship with advertisers may impact how an offer is presented on our website. However, our selection of products is made independently of our relationship with advertisers.

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U.S. Bank Visa® Platinum Card  

This card is a good choice for consumers looking for the longest grace period for both balance transfers and purchases. It offers 21 billing cycles of 0% APR on balance transfers and purchases. The card also offers phone protection.


Citi Simplicity® Card

This Mastercard from Citi is one of the few available to offer a 21-month period to pay off a balance transfer at the rate of 3% interest. Just be sure to complete the balance transfer within the first four months of owning the card; after that, the fee is 5%.

The card also offers 0% APR on purchases for the first 12 months. 


Citi® Double Cash Card

Have your cake and eat it too with this 0% interest introductory offer and generous cash back card. Just make sure you pay your credit card bill on time to avoid a hefty interest rate increase.


Chase Slate Edge℠

This card offers a solid option for those looking to finance a balance transfer for 18 months interest-free. To get this rate, you'll need to make the transfer within the first 60 days of opening the account. 

Don't be distracted by the card's offer to lower your interest rate by 2% each year for good credit habits. You should pay all of your credit card balance on time each month to avoid paying any interest.

You may also make purchases at 0% APR for the first 18 months.

One of the best ways to raise your credit score is to pay your bills on time and keep your credit utilization as low as possible. So the card's welcome offer to raise the credit limit for cardholders who spend at least $500 and pay their bills on time during the first six months could improve your credit score and help establish good habits.


BankAmericard credit card 

This no-frills Mastercard offers an 18-month period of 0% interest, and is the best option for those who might run the risk of making a late payment.


As an independent publication dedicated to helping you make the most of your money, the article above is our view of the best deals and is not the opinion of any entity mentioned such as a card issuer, hotel, airline etc. Similarly, the content has not been reviewed or endorsed by any of those entities.

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Lisa Gerstner
Editor, Kiplinger Personal Finance magazine

Lisa has been the editor of Kiplinger Personal Finance since June 2023. Previously, she spent more than a decade reporting and writing for the magazine on a variety of topics, including credit, banking and retirement. She has shared her expertise as a guest on the Today Show, CNN, Fox, NPR, Cheddar and many other media outlets around the nation. Lisa graduated from Ball State University and received the school’s “Graduate of the Last Decade” award in 2014. A military spouse, she has moved around the U.S. and currently lives in the Philadelphia area with her husband and two sons.

With contributions from