Updated 7/21/17

Transferring high-cost credit card debt to a balance-transfer credit card with a 0% introductory APR can help chip away at debt with the power of a jackhammer. In fact, paying down a $5,000 balance over 21 months will cost a whopping $825 in interest charges at an 18% APR. You may be able to pocket the savings instead with our picks for the best balance-transfer credit cards. Here are our favorites.

Barclaycard Ring™ Mastercard®
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Barclaycard Ring™ Mastercard®

Best for: $0 balance transfer fee

Barclaycard Ring™ Mastercard® stands out because of its focus on cutting fees without sacrificing the benefits of an intro APR. In addition to offering a 0% intro APR on both new purchases and qualifying balance transfers, cardholders can also look forward to no fees for balance transfers, foreign transactions, and the annual dues. Few balance-transfer cards we know of include that wallet-friendly trifecta. But be sure to keep your credit score in mind when applying as the card is meant for cardholders with excellent credit. Read our full Barclaycard Ring™ Mastercard® review to learn more.

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Best for: Long 0% intro APR

The Citi® Diamond Preferred® Card punches above its weight, including both a low APR and a 0% intro APR on new purchases and balance transfers for 21 billing cycles, which is one of the longest offers we’ve come across. Citi® Diamond Preferred® Card also includes a $0 annual fee, making it a solid credit card for cardholders wanting to cut both interest charges and fees. Read our full Citi® Diamond Preferred® Card review to learn more.

Citi Simplicity® Card

Citi Simplicity® Card

Best for: Late payments and no penalty APR

Cardholders seeking occasional payment forgiveness may find Citi Simplicity® Card to be a suitable balance-transfer credit card. Citi Simplicity® Card doesn’t charge late payment fees, and it doesn’t bump up a cardholder’s APR as a penalty for missed payments. But the card doesn’t skimp on features in favor of a longer leash for payment forgiveness. Citi Simplicity® Card dishes out a swoon-worthy 0% intro APR for 21 billing cycles for both new purchases and balance transfers made within four months. Read our full Citi Simplicity® Card review to learn more.

Discover it® - Cashback Match™

Discover it® - Cashback Match™

Best for: Cash back and 0% intro APR

Discover it® - Cashback Match™ is a versatile option for many needs. In addition to a 0% intro APR for 14 billing cycles for purchases and balance transfers, the card offers up to 5% cash back ($1,500 quarterly spending cap) in rotating bonus categories you activate, in addition to a FICO® score for free. Carrying this card address a cardholders evolving needs and could reduce the number of total cards necessary, first paying off debt balances faster followed by "transactor" strategies to harvest the full value of credit card rewards by avoiding interest charges. Read our full Discover it® - Cashback Match™ review to learn more.


Citi® Double Cash Card

Citi® Double Cash Card

Best for: Balance transfers and cash back

Citi® Double Cash Card is a versatile card that fits cardholders needs beyond the 0% intro APR. Transactor strategies (paying off balances each month to earn rewards and avoid interest) are powerful ways to make your money work better for you, but only once getting out of debt. Citi® Double Cash Card offers a long 0% intro APR for 18 billing cycles for qualifying balance transfers plus an innovative cash-back program that incentivizes paying off purchase balances. Cardholders earn a total of 2% cash back, 1% when making purchases and 1% when paying. Both perks are best-in-class in their own right, which highlights why we covet this card. Read our full Citi® Double Cash Card review to learn more.


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