7 Best Balance Transfer Cards of 2018 [Updated]

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best balance transfer cards

A balance transfer is, essentially, when you pay off the balances on existing credit cards or loans by transferring them to another credit card account.

Getting one of the best balance transfer cards can help you get lower interest rates and great cash back rewards. You should, however, try to pay your debt before the zero fee period ends.

These are some of the best balance transfer cards:

(You may also like: Should I consider a balance transfer?)

Blue Cash Everyday Card from American Express

  • 0% Balance Transfer intro APR for 15 months
  • 0% Purchase Intro APR for 15 months
  • $0 Annual fee
  • 3% Cash back at US supermarkets
  • 2% Cash back at US gas stations
  • 1% Cash back on other purchases

Discover It

  • No annual fee
  • 0% Intro APR for 14 months
  • 0% on balance transfers for 14 months
  • 5% cash back on certain categories
  • 1% cash back on other purchases

Citi Double Cash Card

  • 0% on balance transfers for 18 months
  • No annual fee
  • 1% cash back on every purchase plus 1% for every dollar paid off
  • No reward limits

Citi Thank You Preferred Card

  • No annual fee
  • 2 points per dollar spent on dining and entertainment
  • 1 point per dollar spent on other purchases
  • 0% on purchases for 15 months
  • 0% on balance transfers for 15 months

U.S. Bank Cash+ Visa Signature Card

  • 5.5% cash back for the first year on your first $2,000 spent each quarter on the combined two categories you choose. Then, it’s 5%.
  • 2.5% cash back for the first year on your choice of one everyday category (i.e. gas or groceries). Thereafter, earn 2%.
  • 1.5% cash back for the first year on all other eligible net purchases. Thereafter, earn 1%
  • $100 Bonus after you spend $500 in eligible net purchases in the first 90 days you have the card
  • 0% Intro APR on for 12 months
  • Unlimited cash back
  • No annual fee

Chase Slate

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • See monthly updates to your FICO Score and the reasons behind your score for free
  • No Penalty APR
  • All other account pricing and terms apply.
  • No annual fee

Chase Freedom Unlimited

  • Unlimited 1.5% cash back on every purchase
  • $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
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