Updated 2/28/17

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 some of our favorites.

  • $0 introductory balance-transfer-fee credit card - Chase Slate®
  • No-annual-fee balance-transfer credit cards - BankAmericard® and Citi® Diamond Preferred® Card
  • Balance-transfer credit card for late payments - Citi Simplicity® Card - No Late Fees Ever 

Chase Slate®
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Chase Slate®

Chase Slate® is the best credit card around for slashing balance-transfer fees. Notably, Chase Slate® offers a 0% introductory APR on both new purchases and balance transfers for 15 billing cycles, plus it doesn’t charge an annual fee or a balance-transfer fee on transfers made within the first 60 days. That combination of fee-busting features is rare, which is why we think Chase Slate® is a no-brainer to include on our short list. If struggling to figure out which card on our list is the right solution, it's worth reviewing your credit score. Chase Slate® requires good credit, which generally means a FICO score above the upper 600's. Read our full review of Chase Slate®.

BankAmericard® Credit Card

Cardholders searching for a great balance-transfer credit card may need to look no further than the BankAmericard® credit card, which offers the lowest variable APR among the suite of BankAmericard-branded credit cards, plus a long, 18-billing-cycle, introductory APR offer on balance transfers. These are a few reasons why we picked it as one of the best credit cards of 2017. What’s more, the card carries no annual fee and helps cardholders track their credit history by providing free access to their FICO® Score (worth upwards of $350 annually when tracking your comprehensive credit history with myFICO). While BankAmericard® does include a lengthy 0% introductory offer, it's worth noting that good/excellent credit is required. Read our full review of BankAmericard®.

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

The Citi® Diamond Preferred® Card punches above its weight, including both a low APR and a 0% introductory 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 doesn’t charge an annual fee, making it a solid credit card for cardholders wanting to cut both interest charges and fees. Read our full review of Citi® Diamond Preferred® Card.

Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

Cardholders seeking occasional payment forgiveness may find Citi Simplicity® Card - No Late Fees Ever to be a suitable balance-transfer credit card.Citi Simplicity® Card - No Late Fees Ever 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 - No Late Fees Ever dishes out a swoon-worthy 21-billing-cycle, 0% introductory APR on both new purchases and balance transfers. Read our full review of Citi Simplicity® Card - No Late Fees Ever.


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