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Many of the most competitive balance transfer credit cards are only available to people with good or excellent credit, or those with FICO credit scores of 670 or higher. And 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. Some even come with rewards, purchase protection, or other benefits (which is rare in this particular credit card circle).
If your credit is strong enough to qualify for these cards, you could potentially save on interest while enjoying other ongoing perks like no late fees, cash back, relatively low regular APRs, and more.
How we rate products
To determine the best balance transfer credit cards for people with good credit, we compiled a list of credit cards that offer introductory APR on balance transfers.
Then, we evaluated each credit card based on several factors, including recommended credit scores, annual fees, and additional benefits such as rewards rates and welcome offers. We kept in mind that every person has unique needs and preferences. Therefore, we included credit cards that could offer value to individuals with varying needs.
Keep in mind that our recommendations don’t follow a certain order and aren’t meant to be a complete list of all available options. We used editorial judgment to determine which products/services were best for different users and situations. We aim to provide a useful starting point for someone who is looking for a balance transfer credit card.
Best balance transfer cards for good credit
| Credit Card | Intro APR | Regular APR | Welcome Bonus | Annual Fee |
|---|---|---|---|---|
2025 award winner
Best 0% Intro APR Credit Card
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Apply Now
Wells Fargo Reflect® Card 4.9
|
Balance Transfer:
0%, 21 months from account opening on qualifying balance transfers
Purchases:
0%, 21 months from account opening
|
17.74%, 24.24%, or 28.49% Variable
|
N/A
|
$0
|
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Apply Now
Citi® Diamond Preferred® Card 4.4
|
Balance Transfer:
0%, 21 months from date of account opening
Purchases:
0%, 12 months from date of account opening
|
16.74% - 27.49% (Variable)
|
N/A
|
$0
|
|
2025 award winner
Best for Balance Transfers
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Apply Now
Citi Simplicity® Card 4.5
|
Balance Transfer:
0%, 21 months from date of account opening
Purchases:
0%, 12 months from date of account opening
|
17.74% - 28.49% (Variable)
|
N/A
|
$0
|
|
2025 award winner
Best for Dining Out
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Apply Now
Chase Freedom Unlimited® 4.7
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
18.74% - 28.24% Variable
|
$200
Bonus
|
$0
|
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Learn How to Apply
Blue Cash Everyday® Card from American Express 4.9
|
Balance Transfer:
0%, 15 months
Purchases:
0%, 15 months
|
19.74% - 28.74% Variable
|
$200
Statement credit
|
$0
|
Wells Fargo Reflect® Card
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0%, 21 months from account opening
0%, 21 months from account opening on qualifying balance transfers
- Apply Now to take advantage of this 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. 17.74%, 24.24%, or 28.49% 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.
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 against damage or theft 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.
However, the Wells Fargo Reflect doesn't provide any rewards such as cash back, points, or miles for the purchases you make. You'll see that it shares this trait with other very popular balance transfer cards, including the Citi Diamond Preferred and the Citi Simplicity.
- Extra-long intro APR offer on qualifying balance transfers
- $0 annual fee
- Cell phone protection
- No rewards program
- Foreign transaction fee
Apply now or learn more in our Wells Fargo Reflect review.
Citi® Diamond Preferred® Card
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0%, 12 months from date of account opening
0%, 21 months from date of account opening
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.74% - 27.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
The Citi® Diamond Preferred® Card also offers an extra-long 0% intro APR period on balance transfers: 21 months from date of account opening, then the regular APR kicks in at 16.74% - 27.49% (Variable). Balance transfers must be completed within 4 months of account opening. The 0% intro APR period on purchases is much shorter at 12 months from date of account opening (then the APR is 16.74% - 27.49% (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. This is one of many factors that make the Citi Diamond Preferred similar to the Wells Fargo Reflect. But while the Wells Fargo Reflect provides cell phone insurance, the Citi Diamond Preferred provides identity theft protection. The two also have different standard APR ranges, and the Wells Fargo Reflect has a longer intro APR period on purchases.
- Long intro APR offer on balance transfers
- ID theft protection for no additional charge
- Access to Citi Entertainment
- No rewards program
- Foreign transaction fee
Apply now or learn more in our Citi Diamond Preferred review.
Citi Simplicity® Card
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0%, 12 months from date of account opening
0%, 21 months from date of account opening
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 17.74% - 28.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Stay protected with Citi® Quick Lock
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.
- Long intro APR offer on balance transfers
- No late fees
- $0 annual fee
- No rewards program
- Foreign transaction fee
Apply now or learn more in our Citi Simplicity Card review.
Chase Freedom Unlimited®
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0%, 15 months
0%, 15 months
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
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 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 a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
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.
- Welcome offer
- Earns rewards on your purchases
- Added protections
- Intro APR period isn't as long as some other cards
- Foreign transaction fee
Apply now or learn more in our Chase Freedom Unlimited review.
Blue Cash Everyday® Card from American Express
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0%, 15 months
0%, 15 months
- $0 annual fee, but still pays healthy bonus rewards
- Makes gas purchases more affordable
- Great welcome offer that you can earn with everyday spending
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 eligible purchases in each category, then 1%); and 1% cash back on other eligible purchases (cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout).
New cardmembers can also earn a $200 statement credit after spending $2,000 in purchases in the first 6 months.
- Generous welcome offer
- Elevated rewards rate
- $0 annual fee
- Foreign transaction fees
- Amex isn't as widely accepted as other cards
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
Do balance transfers hurt my credit score?
A balance transfer typically won't affect your credit score. However, it's possible for a balance transfer to hurt your credit score when you open a new credit card account. There's typically a hard inquiry when you apply for a new balance transfer card, which could have a small impact on your credit score.
Keeping a balance on your balance transfer credit card also increases your credit utilization, which is the ratio between your used credit and your available credit. Higher credit utilization may have a negative impact on your credit score.
Is a credit card balance transfer a good idea?
Moving your credit card balance using a balance transfer from one card with a high APR to one with a 0% intro APR can be a good idea. But you should plan to pay off your balance during the 0% intro APR offer period. Additionally, for this strategy to make sense, you need to save more money on interest than the fee you pay for the balance transfer.
To learn more, check out our ultimate guide to balance transfers.
What is the downside of a balance transfer?
Some of the potential downsides of balance transfers include:
- You have to pay a balance transfer fee, which typically ranges from 3% to 5%.
- You could indirectly impact your credit score when you open a new credit card account or increase your credit utilization.
- Your APR increases after the introductory period, and the card issuer will charge you interest on your remaining balance.
- You typically need at least a good credit score to qualify for balance transfer credit cards.
Which is better, the Wells Fargo Reflect or Citi Diamond Preferred?
Between the Wells Fargo Reflect and the Citi Diamond Preferred, the better choice depends on these factors: The reason you're applying for a new credit card, your credit, and your issuer preference (if you have one).
Both of these cards are excellent choices for making a balance transfer, as they each offer market-leading introductory APRs for this purpose. But the Citi Diamond Preferred could be a slightly better choice if you have excellent credit because it has a lower regular APR for the most qualified borrowers. So you may be able to save on interest while chipping away at your debt after the intro APR period is up and the regular APR kicks in.
If you also need to avoid interest on new purchases, the Wells Fargo Reflect, with its longer intro APR on new purchases, is the better choice.
Cards that didn't make our list
Some cards that didn't make our list but still provide long intro APR periods include:
Citi Double Cash® Card
On top of 0% intro APR on balance transfers for 18 months, then 17.74% - 27.74% (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, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. Read our Citi Double Cash® Card(Rates and fees) review to learn more.
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Current Offer
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back
Annual Fee
$0
Rewards Rate
2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel
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 14.74% - 24.74% 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 BankAmericard® Credit Card 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.
Benefits Card Details Intro Offer
Benefit from a long introductory APR period on purchases and qualifying balance transfers
Annual Fee $0 Why we like it
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