Best Balance Transfer Cards For Good Credit [2024]: Long Intro Periods Plus Added Perks

The best balance transfer cards for good credit typically offer intro APR periods of 15 months or more, giving you more time to pay down debt without interest. The Wells Fargo Reflect^® Card(Rates and fees), Citi^® Diamond Preferred^® Card, and Citi Simplicity^® Card top the list because their intro APR offers are some of the longest available.

However, those cards don’t earn rewards. If you want to strike a balance between using intro APR offers and earning rewards, I think the Chase Freedom Unlimited^® is well worth considering.

Let’s dig into the details of each card to see which might be the best for you.

6 of the best balance transfer cards for good credit

• Wells Fargo Reflect^® Card
• Citi^® Diamond Preferred^® Card
• Citi Simplicity^® Card
• U.S. Bank Visa^® Platinum Card
• Chase Freedom Unlimited^®
• Blue Cash Everyday^® Card from American Express

Compare the best balance transfer cards for good credit

Card	Great for	Intro APR period for balance transfers	Ongoing APR
Wells Fargo Reflect® Card 4.9 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Extra-long intro APR period	21 months from account opening on qualifying balance transfers	17.49%, 23.99%, or 29.24% Variable
Citi® Diamond Preferred® Card 4.4 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	ID Theft Protection	21 months	17.49% - 28.24% (Variable)
Citi Simplicity® Card 4.5 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	No late fees	21 months	18.49% - 29.24% (Variable)
U.S. Bank Visa® Platinum Card 4.9 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Cell phone protection	21 billing cycles	17.99% to 28.99% (Variable)
Chase Freedom Unlimited® 4.7 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Earning rewards	15 months	19.99% - 28.74% Variable
Blue Cash Everyday® Card from American Express 4.9 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Generous welcome offer	15 months	18.49% - 29.49% (variable)

Wells Fargo Reflect^® Card

Compared to other balance transfer cards, the Wells Fargo Reflect^® Card offers one of the longest intro APR periods on qualifying balance transfers as well as new purchases. This can give you plenty of time to pay off existing credit card debt before the intro APR period ends and your regular APR kicks in.

Plus, the Wells Fargo Reflect provides cell phone protection, which is a benefit not commonly found on other credit cards. You'll be eligible for up to $600 in cell phone protection when you pay for the cell phone with your card (subject to a $25 deductible). It also offers free monthly FICO score updates. However, the Wells Fargo Reflect doesn’t provide any rewards such as cash back, points, or miles for the purchases you make.

Apply now or learn more in our Wells Fargo Reflect review.

Citi^® Diamond Preferred^® Card

The Citi^® Diamond Preferred^® Card also offers an extra-long 0% intro APR period on balance transfers: 21 months, then the regular APR kicks in at 17.49% - 28.24% (Variable). The 0% intro APR period on purchases is much shorter at 12 months (then the APR is 17.49% - 28.24% (Variable)).

The Diamond Preferred card also offers Mastercard ID Theft Protection if you enroll.

Just note that you can’t earn any rewards with the Citi^® Diamond Preferred^® Card(Rates and fees). That means no cash back, points, or miles when making purchases.

Apply now or learn more in our Citi Diamond Preferred review.

Citi Simplicity^® Card

The Citi Simplicity^® Card is a no-stress credit card with a long intro APR period. In addition, you don’t have to worry about late fees or a penalty APR rate.

Benefiting from the lengthy APR offer on balance transfers comes with the downside of not earning rewards on your purchases since the Citi Simplicity^® Card(Rates and fees) has no rewards program.

Apply now or learn more in our Citi Simplicity Card review.

U.S. Bank Visa^® Platinum Card

The U.S. Bank Visa^® Platinum Card offers a 0% intro APR for 21 billing cycles for balance transfers (then 17.99% to 28.99% (Variable)). It also offers cell phone protection up to $600 when you pay your monthly cell phone bill with the card.

You can also access your credit score anytime when you enroll in the U.S. Bank Credit Score Program. However, you won’t earn any rewards with this card.

Learn more in our U.S. Bank Visa Platinum Card review.

Chase Freedom Unlimited^®

The Chase Freedom Unlimited^® is my favorite choice if you want to earn valuable rewards and take advantage of intro APR offers. Though the Freedom Unlimited doesn’t offer as long an intro APR period as some of the other cards on this list, I get so much value out of the rewards you can earn, especially since rewards are unlimited and you can redeem them in so many different ways. You earn 6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases.

New cardmembers can also earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year).

The Freedom Unlimited offers purchase protection, extended warranty protection, trip cancellation insurance, and an auto rental collision damage waiver when you pay for a rental car with your card. However, like the other cards on the list, this isn’t the best card for making foreign purchases, as you have to pay a foreign transaction fee of 3% of each transaction in U.S. dollars.

Apply now or learn more in our Chase Freedom Unlimited review.

Blue Cash Everyday^® Card from American Express

The Blue Cash Everyday^® Card from American Express is an excellent card for taking advantage of everyday rewards and intro APR offers.

You can also earn 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year on purchases in each category, then 1%); and 1% cash back on other eligible purchases.

New cardmembers can also earn a $200 statement credit after spending $2,000 in purchases in the first 6 months.

Learn how to apply or read more in our Amex Blue Cash Everyday review.

How to choose the best balance transfer card

Consider these factors when you’re comparing credit cards to help you choose the right balance transfer card for you.

1. Credit score recommendations

You typically need at least a good credit score to qualify for any of the cards on this list. That means having a 670 or higher FICO score.

Keep in mind that your credit score is only one factor that credit card issuers take into account when determining your creditworthiness. They tend to also look at your total income, debt, and credit payment history. A good credit score does not mean you’ll be approved, but it could help.

2. Intro APR offers

When determining whether an intro APR offer on balance transfers is good, consider the intro APR rate, intro APR period, and balance transfer fee.

• Intro APR rate: The best rate is 0%, which means you won’t pay interest for the length of the intro APR period.
• Intro APR period: Anything under 12 months is shorter than average, while anything above is longer than average. The longest credit card balance transfer periods are typically 18 to 21 months.
• Balance transfer fees: The average balance transfer fee ranges from 3% to 5%. To help save money, try to get a 3% or lower fee. Also remember to check whether the balance transfer fee is introductory or not.

3. Annual fees

If I’m planning to do a balance transfer to help pay down a credit card balance, I look for cards without an annual fee. After all, I’m trying to save money, not add to existing debt. Most balance transfer cards don’t charge this fee, but it’s still a good idea to check.

4. Earning potential

Many of the best balance transfer cards don’t earn rewards, but these cards tend to have the longest intro APR offer periods.

However, you can find plenty of rewards cards that also provide intro APR offers on purchases and balance transfers. The difference is that these intro APR offer periods tend to be shorter.

There’s no right or wrong answer for which type of card to go with as it depends on your specific situation and preferences. I prefer having the balance of both intro APR offers and rewards since you could still be earning rewards on a card long after you’ve taken advantage of an intro APR offer.

5. Perks and benefits

Available card benefits vary by card issuer, so it’s worth comparing different cards to see if there’s a valuable perk to tip the scales in favor of one card over another. Some specific benefits you might keep an eye out for include:

• Purchase protection
• Cell phone protection
• Extended warranty coverage
• Travel insurance

FAQs

Cards that didn’t make our list

Some cards that didn’t make our list but still provide long intro APR periods include:

• BankAmericard^® credit card: This card offers 0% intro APR for 18 billing cycles for any qualifying balance transfers made in the first 60 days (then 15.74% - 25.74% Variable APR). However, the BankAmericard only offers 60 days to transfer your balance from account opening. That’s shorter than what many other cards offer. Read our review to learn more.
• Citi Double Cash^® Card: On top of 0% intro APR on balance transfers for 18 months, then 18.49% - 28.49% (Variable) APR, you could also earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. Read our review to learn more.

Bottom line

The best balance transfer cards tend to have long intro APR offer periods that last at least 15 months. That’s why I recommend cards with lengthy intro APR periods, such as the Wells Fargo Reflect and Citi Diamond Preferred.

But I also think there’s a case for cards that provide both intro APR offers and earning potential, such as the Chase Freedom Unlimited. With these cards, you get a balanced approach to transferring balances and earning rewards on all your eligible purchases.

For more info about balance transfer cards, including for other credit tiers, check out our list of the best balance transfer credit cards.

Extra Long Intro APR on Purchases & Qualifying Balance Transfers

Wells Fargo Reflect^® Card

4.9

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Wells Fargo Reflect^® Card

Apply Now

Rates and fees

Current Offer

Benefit from a long introductory APR period on purchases and qualifying balance transfers

Annual Fee

$0

Benefits and Drawbacks

Benefits

• 0% intro APR for 21 months from account opening on qualifying balance transfers, then 17.49%, 23.99%, or 29.24% Variable APR
• Up to $600 Cell phone protection when you pay for the cell phone with your card (subject to a $25 deductible)
• $0 annual fee
• The ongoing APR may still be competitive compared to other cards

Drawbacks

• No rewards for spending
• 3% foreign transaction fee
• 5%, min: $5 balance transfer fee
• Limited list of card perks

Card Details

• Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
• 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
• $0 Annual Fee.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.