Balance transfer credit cards

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CK Editors’ Tips††: Balance transfer credit cards allow you to move your existing credit card debt to a new card, where you can pay it off with a lower interest rate. If you develop a plan for repayment, these cards can be a great way to manage debt.

What to consider when choosing a balance transfer credit card
Balance transfer credit cards can be great for paying off your credit card debt, but they come with lots of potential risks. Try to look at options with long 0% APR intro periods that will give you the best chance to pay off your full balance — and make sure to take a close look at the terms and conditions of your offer before applying.
How we picked the best balance transfer credit cards
To find the best balance transfer credit cards, we focused on selecting cards with long 0% intro offers and other rare features that might simplify the process of repaying your debt. Our picks address a number of different needs for balance transfers, from the length of your repayment period to the nuances of the balance transfer process itself. Read more about our methodology for picking the best credit cards.

See details, rates, & fees

Great for simple cash back††
Capital One Quicksilver Cash Rewards Credit Card
5/5

Intro balance transfer APR

0%
for 15 Months

Regular balance transfer APR

16.49% - 26.49%* Variable

Balance transfer fee

3%

Annual fee

$0

These offers are no longer available on our site: Chase Freedom Unlimited®, Chase Freedom Flex℠, Capital One® Savor® Cash Rewards Credit Card, United℠ Explorer Card, Chase Sapphire Preferred® Card, Target RedCard™, Delta SkyMiles® Reserve American Express Card, Chase Sapphire Reserve®, Journey® Student Rewards from Capital One®, Ink Business Preferred® Credit Card, Bank of America® Premium Rewards® Visa® credit card, Bank of America® Business Advantage Travel Rewards World Mastercard® credit card, Capital One® Spark® Cash Select for Business, Capital One® SavorOne® Cash Rewards Credit Card, Ink Business Cash® Credit Card, Capital One® Spark® Classic for Business

Hear from our editors: The best balance transfer cards of August 2022

Updated August 11, 2022

This date may not reflect recent changes in individual terms.

Editorial note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted.

Louis DeNicola is a personal finance writer and has written for American Express and Discover.

Written by: Louis DeNicola

Do you carry a balance on your credit cards? If you do, how much interest are you paying?

Rather than pay interest on your credit card debt or juggle multiple payments each month, you may be able to transfer high-interest debt to a single credit card by doing a balance transfer.

Here are our choices for the best balance transfer cards.