Best Balance Transfer Credit Cards of September 2023

Citi Simplicity^® Card

Wipe out high interest rates for nearly 2 years!

The Citi Simplicity^® Card features a category-leading 21 months of 0% intro APR on balance transfers. Our editors love this — it is the perfect way to eliminate high interest payments, and say good-bye to debt ASAP!

The Simplicity card has no late fees, no annual fee, and no penalty rates; plus new card holders can enjoy 12 months of 0% intro APR on purchases. After the intro periods for purchases and balance transfers, the APR is 19.24% - 29.99% (Variable).

Annual Fee: $0

Click here to apply for the Citi Simplicity^® Card now.

Wells Fargo Reflect^® Card

Imagine getting 21 months from account opening with 0% interest on a balance transfer or a big purchase. Sounds great — right? You could dramatically change your financial picture with this industry-leading card — the Wells Fargo Reflect^® Card(Rates and fees).

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR for 21 months from account opening on qualifying balance transfers. Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!

It doesn't just stop with balance transfers though. Cardholders also get a generous intro APR of 0% for 21 months from account opening on purchases. After the intro period for purchases and balance transfers, the APR is 18.24%, 24.74%, 29.99% variable.

The best part? There's no annual fee.

Click here to apply for the Wells Fargo Reflect^® Card now.

Citi^® Diamond Preferred^® Card

With one of the longest intro APRs available, the Citi^® Diamond Preferred^® Card is a hands-down choice for a balance transfer card.

The Citi Diamond Preferred features 21 months of 0% intro APR on balance transfers. This is an incredible way to eliminate high interest payments until 2025 and pay down your balance interest free.

There is no annual fee and new cardholders can also enjoy 12 months of 0% intro APR on purchases. After the intro periods for purchases and balance transfers, the APR is 18.24% - 28.99% (Variable).

Annual Fee: $0

Click here to apply for the Citi^® Diamond Preferred^® Card(Rates and fees) now.

Wells Fargo Active Cash^® Card

If you’re looking for a powerful rewards card that offers an extended intro APR period, look no further, the Wells Fargo Active Cash^® Card(Rates and fees) checks both of those boxes!

New cardholders can benefit from an intro APR of 0% for 15 months from account opening on purchases and qualifying balance transfers (then 20.24%, 25.24%, or 29.99% variable). Which is great for someone who wants a break from high interest rates, while still earning rewards.

Speaking of rewards, the Active Cash card offers a generous cash rewards rate. Long gone are the days of juggling multiple cards or monitoring ever-changing spending categories — earn unlimited 2% cash rewards on purchases!

Plus, new cardholders can earn a one-time cash rewards bonus — $200 cash rewards bonus after spending $500 in purchases in the first 3 months. Use your card for essentials at the gas station or grocery stores, and you can easily meet the spending requirement.

The best part? There's no annual fee.

Click here to apply for the Wells Fargo Active Cash^® Card now.

Chase Freedom Unlimited^® Card

Searching for a credit card that combines a long 0% introductory APR period and cash back rewards? You'll want to check out the Chase Freedom Unlimited^® Card!

With an extended 0% intro APR period on purchases and balance transfers for the first 15 months. That means you can take a break from paying interest until December 2024 - That's over a year of interest-free purchases and balance transfers! After the intro period, the APR is 20.49% - 29.24% Variable.

And you don’t want to overlook the amazing cashback benefits: Cardholders can earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 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. It's no wonder why this is considered one of the leading cards on the market.

Annual Fee: $0

Bank of America^® Unlimited Cash Rewards credit card

If you're torn between wanting a long 0% intro APR period and a card that offers top cashback rewards, stop scrolling. You could pay down debt faster and earn cash back with the Bank of America^® Unlimited Cash Rewards credit card.

Enjoy a 0% introductory APR for 15 billing cycles for any qualifying balance transfers made in the first 60 days, plus a 0% intro APR on purchases for 15 billing cycles. After the intro period, the APR is 18.24% - 28.24% Variable.

You don't need to worry about a big annual fee either — this card has a $0 annual fee and a generous welcome offer: Earn a $200 online cash rewards bonus after spending $1,000 in the first 90 days of account opening.

On top of all that, you'll earn a baseline of unlimited 1.5% cash back on all purchases with the opportunity to earn an additional 25%-75% more cash back on every purchase if you're a Bank of America Preferred Rewards member. With rates that high, you can rack up some serious cash back in no time at all.

Click here to apply for the Bank of America^® Unlimited Cash Rewards credit card now.

Chase Slate Edge℠ Card

While the Chase Slate Edge℠ offers an extended intro APR of 0% until nearly 2025, this card offers interest rate perks that could help you earn a lower regular interest rate on your balance beyond the intro period.

To start, you could kick high-interest credit card debt to the curb or make a big ticket purchase thanks to an intro APR of 0% for 18 months on purchases and balance transfers (then 20.49% - 29.24% Variable). 

After the intro period, you’ll receive automatic consideration for a 2% APR reduction when you pay on time and spend at least $1,000 on your card before your next account anniversary. The lowest possible APR because of this reduction is the Prime Rate plus 9.74% (your final APR reduction could be less than 2% depending on the APR you receive with your card). That could mean even bigger savings in the future!

The best part? There's no annual fee.

Click here to Apply Now

Bottom Line

The Citi Simplicity^® Card is a great choice for almost everyone. Who doesn't love 21 months with 0% interest on a balance transfer — all without an annual fee?

• Low Intro APR: Enjoy a 0% introductory APR on balance transfers for 21 months and a 0% intro APR on purchases for 12 months. After the intro period, the APR is 19.24% - 29.99% (Variable).
• No fees: The Simplicity card has no late fees, no annual fee, and no penalty rates. Perfect for someone looking to pay down debt, not add to it.
• Access to FICO score: When you’re trying to pay down debt and build credit, it’s important to know where you stand. The Simplicty card gives cardholders access to their FICO credit score for free online or through the Citi mobile app.
• Flexible Payment Date: Choose to pay your bill on any available due date in the beginning, middle, or end of the month.
• Account Protection: Enjoy $0 liability on unauthorized charges and Fraud Early Warning.

» Click here to apply now and pay 0% interest until 2025 on balance transfers