Best Balance Transfer Credit Cards 2026

by Anonymous

Balance transfer cards offer introductory 0% APR periods that let you pay down existing credit card debt interest-free. Transfer fees typically range from 3–5% of the balance, so the math only works if you save more in interest than you pay in fees. The best cards offer long promotional periods of 15–21 months with manageable ongoing APRs after the intro period ends.

Citi Simplicity

21 months
intro apr period
3% or $5 min
balance transfer fee
19.24–29.99%
ongoing apr
$0
annual fee
No late fees ever
late fee
None
rewards

Wells Fargo Reflect

21 months
intro apr period
5% or $5 min
balance transfer fee
18.24–29.99%
ongoing apr
$0
annual fee
Up to $40
late fee
None
rewards

BankAmericard

18 months
intro apr period
3% or $10 min
balance transfer fee
16.24–26.24%
ongoing apr
$0
annual fee
Up to $40
late fee
None
rewards

Chase Slate Edge

18 months
intro apr period
3% or $5 min
balance transfer fee
18.74–27.74%
ongoing apr
$0
annual fee
Up to $40
late fee
None
rewards

Like this comparison? Make it your own.

Sign up to use as template