Best Balance Transfer Credit Cards Of June 2024

Updated: Jun 1, 2024, 10:34 am

In 2024, choosing the right balance transfer credit card is essential for effective debt management and financial stability. Our list of top balance transfer credit cards provides a detailed review of options that offer beneficial introductory APR periods, low transfer fees, and advantageous long-term terms. Each card is selected for its ability to offer significant interest savings and assist in quicker debt repayment.

Editorial Note: Our editors’ opinions and evaluations remain unaffected by the commissions we earn from partner links on Credit Propose.

Top Best Balance Transfer Credit Cards

BEST 0% APR ON BALANCE TRANSFER

Citi Double Cash® Card

On Citi’s secure website
Citi Double Cash® Card

Credit Propose

5.0

With the Citi Double Cash® Card, earn 2% cash back on purchases: 1% when you buy and 1% as you pay with no categories, caps or annual fee. 0% Intro APR for 18 months on balance transfers. Earn $200 cash back after you spend $1,500 on purchases in the first 6 months. 

intro APR

0% Intro APR for 18 months on balance transfers only

18 months

Annual Fee

$0

Regular APR

19.24% – 29.24%

Credit Score

Excellent, Good (700 – 749)

BEST 0% APR ON BALANCE TRANSFER

Citi Double Cash® Card

Citi Double Cash® Card

Credit Propose

5.0

On Citi’s secure website

With the Citi Double Cash® Card, earn 2% cash back on purchases: 1% when you buy and 1% as you pay with no categories, caps or annual fee. 0% Intro APR for 18 months on balance transfers. Earn $200 cash back after you spend $1,500 on purchases in the first 6 months.

intro APR

0% Intro APR for 18 months on balance transfers only

18 months

Annual Fee

$0

Regular APR

19.24% – 29.24%

Credit Score

Excellent, Good (700 – 749)

  • No annual fee
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months.
  • 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
  • Unlimited 1% cash back when you buy, plus an additional 1% as you pay, on every purchase. No category restrictions or enrollment needed. No limit on the amount of cash back you can earn.
  • Limited time offer: Earn 5% total cash back on hotel and car rentals booked on the Citi Travel℠ portal through 12/31/24
  • 0% Intro APR for 18 months on balance transfers only
  • 0% annual fee
  • $200 Cash Back- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening
  • 2% Cash Back- Unlimited 1% cash back when you buy, plus an additional 1% as you pay, on every purchase. No category restrictions or enrollment needed. No limit on the amount of cash back you can earn.
  • Limited time offer: Earn 5% total cash back on hotel and car rentals booked on the Citi Travel portal through 12/31/24.
  • Purchase Rate: 19.24% – 29.24% Variable APR, based on your creditworthiness.
  • Balance Transfer Fee: Intro fee of 3% of each transfer ($5 minimum) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 minimum).
  • Balance Transfers do not earn cash back.
  • The intro rate does not apply to purchases.

Wells Fargo Reflect® Card

On Wells Fargo’s secure website
Wells Fargo Reflect® Card

Credit Propose

5.0

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74% or 29.99% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate.

Welcome Bonus

None

N/A

Annual Fee

$0

Regular APR

18.24% – 29.99%

Credit Score

Excellent, Good (700 – 749)

BEST 0% APR ON PURCHASES AND BEST BALANCE TRANSFER

Wells Fargo Reflect® Card

Wells Fargo Reflect® Card

Credit Propose

5.0

Apply Now
On Wells Fargo’s secure website

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74% or 29.99% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate.

Welcome Bonus

N/A

N/A

Annual Fee

$0

Regular APR

18.24% – 24.99%

Credit Score

Excellent, Good (700 – 749)

  • No annual fee
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • A 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when you need them. For assistance, call 1-800-847-2869. 
  • Built-in protection features ensure that you won’t be held responsible for unauthorized transactions, as long as they’re reported promptly.
  • Transaction Fee- 5% for each balance transfer, with a minimum of $5.
  • Late Payment Up to $40
  • 0.00% intro APR for up to 21 months on purchases and qualifying balance transfers.
  • After that, your APR will be 18.24%, 24.74%, or 29.99%, based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate.
  • APR for Cash Advances and Overdraft Protection Advances- 29.99%
  • No annual fee
  • Balance Transfers Fee- 5% for each balance transfer, with a minimum of $5.
  • Cash Advances Fee- Either $10 or 5% of the amount of each advance, whichever is greater.
  • Foreign Currency Conversion/Foreign Transaction Fee- 3% of each transaction converted to U.S. dollars.
  • Late Payment fee-Up to $40

BEST 0% APR ON PURCHASES AND BALANCE TRANSFER

U.S. Bank Visa® Platinum Card

On Citi’s secure website
U.S. Bank Visa® Platinum Card

Credit Propose

5.0

For a limited time, get a special 0% introductory APR on purchases and balance transfers for 18 billing cycles. After that the APR is variable, currently 18.74% – 29.74%.

intro APR

0% Intro APR for 18 months on purchases and balance transfers

18 months

Annual Fee

$0

Regular APR

18.74% – 29.74%

Credit Score

Excellent, Good (700 – 749)

BEST 0% APR ON PURCHASES AND BALANCE TRANSFER

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

Credit Propose

5.0

On Citi’s secure website

For a limited time, get a special 0% introductory APR on purchases and balance transfers for 18 billing cycles. After that the APR is variable, currently 18.74% – 29.74%.

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