Best Balance Transfer Credit Cards for Virginia

CREDIT CARDS - BALANCE TRANSFER CREDIT CARDS
Last updated June 13, 2024 | By FinanceBuzz Editors

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Take control of your finances and choose a credit card that could mean zero interest for up to 21 months and huge savings on interest. These cards are great for all Americans looking to pay down debt, not just those calling Virginia home! Check out these featured card offers from our partners below.

Citi Double Cash® Card

0% Intro APR For 18 months On Balance Transfers + up to 2% cash back

4.8


Looking for a leading balance transfer credit card that offers perks beyond the introductory period? Then the Citi Double Cash® Card could be just the card for you.

Say goodbye to interest payments on balance transfers until nearly 2026 thanks to a 0% intro APR for 18 months; then 19.24% - 29.24% (Variable)! That’s a solid year and a half to make a significant dent in your credit card debt.

Plus, you can earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. That's like getting paid twice for every dollar you spend! Your points can be redeemed for cash back as a statement credit, direct deposit, or check.

Enjoy all this with no annual fee with the Citi Double Cash® Card(Rates and fees).

Click here to apply now for the Citi Double Cash® Card

Bank of America® Unlimited Cash Rewards credit card

Low Interest on Purchases and Qualifying Balance Transfers Until 2025

4.5


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 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 19.24% - 29.24% 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 you make at least $1,000 in purchases 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.

Discover it® Chrome

0% Intro APR For 18 months + up to 2% cash back at gas stations

4.2


A card like this could be a godsend if you're trapped in debt that you're trying to pay off. It's called the Discover it® Chrome, and it's offering something incredible: 18 months of intro 0% APR on balance transfers! (Then 18.24% - 28.24% Variable.) 

Transfer any of your debt that's rapidly accruing interest to this card, so you can take advantage of the 0% intro APR on balance transfers for 18 months. By transferring your debt, you can skirt around aggressive interest rates — and save potentially hundreds in charges.

Even better: Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases. And, Discover will match all the cash back you’ve earned at the end of your first year.

You'll also receive a much-welcome intro APR of 0% for 6 months on purchases. After the intro period for purchases and balance transfers, the APR is 18.24% - 28.24% Variable. The annual fee is a cool $0 for the Discover it® Chrome(Rates and fees).

Click here to apply now to the Discover it® Chrome

Bank of America® Travel Rewards credit card

Low Intro APR for 15 billing cycles + 25,000 bonus points

4.1


Don't let the name fool you, the Bank of America® Travel Rewards credit card is a balance transfer powerhouse. Transfer your high-interest credit card debt to this card and your payments can go directly towards paying down your balance for 15 billing cycles for any balance transfers made in the first 60 days.

New cardholders can enjoy an extended 0% intro APR period for 15 billing cycles on purchases and qualifying balance transfers made in the first 60 days. After the intro period, the APR is 19.24% - 29.24% Variable. That means you can focus on paying off your debt now and start enjoying the peace of mind that comes with saving money on interest.

But that’s not all, this card also offers a generous welcome bonus - earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

Annual fee: $0

Click here to apply for the Bank of America® Travel Rewards credit card now.

Wells Fargo Active Cash® Card

15 MONTHS OF 0% INTRO APR + EARN unlimited 2% cash rewards on purchases

5.0


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

0% intro APR for 15 months + up to 6.5% cash back

4.7


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 September 2025 - 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 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. It's no wonder why this is considered one of the leading cards on the market.

Annual Fee: $0

Click here to apply for the Chase Freedom Unlimited® Card now.

Wells Fargo Reflect® Card

EXTRA LONG INTRO APR ON PURCHASES & BALANCE TRANSFERS

4.9


Imagine getting 21 months from account opening with an intro 0% APR on balance transfers 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%, or 29.99% Variable.

The best part? There's no annual fee.

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

Bottom Line

The Citi Double Cash® Card is a great choice for anyone looking for a flexible cash back card. Take advantage of double the cash back or save on interest charges with a balance transfer during the intro APR period — all without an annual fee.

  • Cash Back: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Balance Transfer Intro APR: Enjoy a 0% introductory APR on balance transfers for 18 months then 19.24% - 29.24% (Variable) APR thereafter.
  • No annual fee: The Double Cash card has a $0 annual fee.
  • No Caps or Categories: Earn cash back on all purchases. No spending caps or confusing categories to monitor with the Citi Double Cash® Card(Rates and fees).

Click here to apply for the Citi Double Cash® Card

Earn Cash Back Twice

Benefits

Card Details

  • Simple flat-rate cash back on all your purchases
  • 0% intro APR on balance transfers for 18 months, then 19.24% - 29.24% (Variable) APR
  • No annual fee
  • Apply Now
  • 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.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • 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).
Citi Double <span class='whitespace-nowrap'>Cash<sup>®</sup></span> Card
4.8
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Intro Offer

Earn $200 in 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

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Why we like it

How we chose these cards

FinanceBuzz evaluated a selection of cards from our partners, looking at various criteria including length of intro APR period, fees, and bonus offers. We did not review all cards in the category and compensation was considered when evaluating and ordering the cards.