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Balance Transfer

Best Balance Transfer credit cards in United States

Balance transfer credit cards in United States let you move a balance from another card, usually at a promotional rate for a set period.

*a card is filed here when the issuer names it as a balance-transfer product, or offers a 0% introductory rate on balance transfers for a stated period — quoted from the issuer's own page in a sentence about this card, as reported by the issuer in a CFPB survey period that ended within the last seven months (US), or as published in the bank's Consumer Data Right product data (Australia). Only a card filed on a quoted line or a regulator's record is re-read: we keep that quote and its source on the card's record and re-read the source every week. When the line is gone, a card filed on it leaves this list; a source we cannot re-read stops counting after 60 days (a CFPB survey, 14 months after the period it reports). A card filed by its name stays while its name says balance transfer. Promotional rates, periods and transfer fees change often, so confirm them on the issuer's page.

49
Balance Transfer cards filed
The ledger

All Balance Transfer cards in United States

49 cards
Barclays US (Barclays Bank Delaware)№ 1

AARP® Essential Rewards Mastercard® from Barclays

Earn a $100 Cash Back Bonus after spending $500 on purchases in the first 90 days of account opening

Balance TransferCash Back
Annual fee$0per year
Top earn rate3%Drugstores
Barclays US (Barclays Bank Delaware)№ 2

Breeze Easy® Visa® Credit Card

Earn 40,000 bonus BreezePoints – that’s a $400 value, plus Breezy 1 benefits after spending $1,000 on purchases within the first 90 days.

AirlineBalance Transfer
Annual fee$89per year
Top earn rateNot confirmed
Wescom Central Credit Union№ 3

Bruin Edge Visa

Make $2,500 in purchases with your new card within the first three months of account opening and you’ll earn 50,000 bonus points — enough for $500 worth of rewards, including cash back, experiences, and more!

Balance TransferWelcome Bonus
Annual feeNot confirmed
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)№ 4

Capital Vacations® World Mastercard®

Earn 5,000 Bonus Rewards after making your first purchase

Balance TransferNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Citadel Credit Union№ 5

Cash Rewards Mastercard

Mastercard issued by Citadel Credit Union.

Balance Transfer0% Intro Purchases
Annual feeNot confirmed
Top earn rate1.5%Other
JPMorgan Chase Bank№ 6

Chase Freedom Flex®

Mastercard issued by JPMorgan Chase Bank.

Balance TransferCash Back
Annual fee$0per year
Top earn rateNot confirmed
JPMorgan Chase Bank№ 7

Chase Freedom Unlimited®

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.*

Balance TransferCash Back
Annual feeNot confirmed
Top earn rate5%travel purchased through Chase TravelSM
Discover Financial Services№ 10

Discover it Chrome

Discover card issued by Discover Financial Services.

Balance TransferCash Back
Annual feeNot confirmed
Top earn rate2%Dining
Discover Financial Services№ 11

Discover it® Cash Back

Discover card issued by Discover Financial Services.

Balance TransferCash Back
Annual fee$0per year
Top earn rateNot confirmed
Discover Financial Services№ 12

Discover it® Miles

Discover card issued by Discover Financial Services.

AirlineBalance Transfer
Annual feeNot confirmed
Top earn rate1.5xOther
Barclays US (Barclays Bank Delaware)№ 15

FRONTIER Airlines World Mastercard®

Mastercard issued by Barclays US (Barclays Bank Delaware).

AirlineBalance Transfer
Annual fee$99per year
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)№ 16

JetBlue Card

Mastercard issued by Barclays US (Barclays Bank Delaware).

AirlineBalance Transfer
Annual fee$0per year
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)№ 17

JetBlue Plus Card

Mastercard issued by Barclays US (Barclays Bank Delaware).

AirlineBalance Transfer
Annual fee$99per year
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)№ 18

JetBlue Premier Card

Mastercard issued by Barclays US (Barclays Bank Delaware).

AirlineBalance Transfer
Annual feeNot confirmed
Top earn rateNot confirmed
Langley Federal Credit Union№ 19

Langley Federal Credit Union Select Visa

Visa card issued by Langley Federal Credit Union.

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)№ 24

Miles & More World Elite Mastercard

Earn 70,000 miles after you spend $4,000 in purchases and pay the annual fee in full, both within the first 90 days.

AirlineBalance Transfer
Annual fee$89per year
Top earn rateNot confirmed
Discover Financial Services№ 25

NHL® Discover it® Credit Card

Discover card issued by Discover Financial Services.

Balance TransferCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
American Heritage Credit Union№ 26

Platinum Classic Mastercard

Mastercard issued by American Heritage Credit Union.

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Nusenda Credit Union№ 27

Platinum Credit Card

Credit card issued by Nusenda Credit Union.

Balance TransferNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
American Heritage Credit Union№ 28

Platinum Secured Mastercard

Mastercard issued by American Heritage Credit Union.

Balance TransferPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)№ 29

RCI® Elite Rewards® World Mastercard®

Mastercard issued by Barclays US (Barclays Bank Delaware).

Balance TransferNo Annual Fee
Annual fee$0per year
Top earn rate5xall eligible RCI purchases
JPMorgan Chase Bank№ 31

Slate®

Visa card issued by JPMorgan Chase Bank.

Balance TransferLow Interest
Annual fee$0per year
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)№ 34

The Barnes & Noble Mastercard®

Mastercard issued by Barclays US (Barclays Bank Delaware).

Balance TransferDining
Annual fee$0per year
Top earn rateNot confirmed
U.S. Bank№ 35

U.S. Bank Altitude® Connect Visa Signature® Card

One-time 20,000 bonus Points will be awarded if you are approved for a new U.S. Bank Altitude Connect Visa Signature Card and make $1,000 or more in total eligible Net Purchases to your Account within 90 days of Account opening.

Balance TransferDining
Annual feeNot confirmed
Top earn rateNot confirmed
U.S. Bank№ 36

U.S. Bank Altitude® Go Visa Signature® Card

One-time 20,000 bonus Points will be awarded if you are approved for a new U.S. Bank Altitude Go Visa Signature Card and make $1,000 or more in total eligible Net Purchases to your Account within 90 days of Account opening.

Balance TransferDining
Annual feeNot confirmed
Top earn rateNot confirmed
U.S. Bank№ 39

U.S. Bank Business Shield® Visa® Card

Visa card issued by U.S. Bank.

Balance TransferBusiness
Annual feeNot confirmed
Top earn rate5%prepaid airfare, car and hotel reservations purchased in the Travel Center
U.S. Bank№ 41

U.S. Bank Shield® Visa® Card

Visa card issued by U.S. Bank.

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rate4%prepaid air, car and hotel reservations in the Travel Center
Barclays US (Barclays Bank Delaware)№ 44

Upromise® World Mastercard®

Mastercard issued by Barclays US (Barclays Bank Delaware).

Balance TransferCash Back
Annual fee$0per year
Top earn rateNot confirmed
Wells Fargo№ 45

Wells Fargo Reflect® Card

Visa card issued by Wells Fargo.

Balance TransferNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)№ 46

Wyndham Rewards Earner® Card

Mastercard issued by Barclays US (Barclays Bank Delaware).

Balance TransferDining
Annual feeNot confirmed
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)№ 47

Wyndham Rewards Earner® Plus Card

Mastercard issued by Barclays US (Barclays Bank Delaware).

Balance TransferDining
Annual fee$95per year
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)№ 48

Wyndham Rewards Earner® Premier Card

Mastercard issued by Barclays US (Barclays Bank Delaware).

Balance TransferDining
Annual fee$395per year
Top earn rateNot confirmed
Barclays US (Barclays Bank Delaware)№ 49

Xbox Mastercard

Mastercard issued by Barclays US (Barclays Bank Delaware).

Balance TransferDining
Annual feeNot confirmed
Top earn rateNot confirmed
Questions

Frequently asked

What is the best balance transfer credit card in United States?

The best balance transfer card in United States depends on your spending and goals. We list every balance transfer card we hold — 49 in total — with the issuer's published fees, networks, and welcome offers, so you can compare on the facts rather than the marketing.

How do I choose a balance transfer credit card?

Compare the annual fee against the value you will actually use, check the network and any welcome offer, and weigh it against your top spending categories. Open any card below for the full breakdown, or use the Compare tool to line up two or three side by side.

Can I combine a balance transfer card with other cards?

Yes. Many people pair a balance transfer card with a complementary card so each handles the categories it earns most on. Holding cards from different issuers is common and can raise your overall rewards.

How do I know these balance transfer card details are current?

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.