By and large, the best balance-transfer card is the one that has the longest 0% APR period, the lowest transfer fee, and the lowest long-term APR after the “free interest” period expires. Good to Excellent. A balance transfer is a type of unsecured, short-term cash facility. Citi® Diamond Preferred® Card: Best for long balance transfers. … Earn cash back TWICE. The bank stands out as the most affordable option for … The best balance transfer credit card is the U.S. Bank Visa® Platinum Card. 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. When scoping out the best balance transfer cards, look at these features: Balance transfer APR (aka interest rate): Lower is better. Best balance transfer cards for fair credit. When making your decision, consider the annual fee, balance transfer … The Amex EveryDay® Credit Card is a best-in-class balance transfer credit card offering rewards, special financing and no balance transfer fees — all for no annual fee. See Rates & Fees. The average balance transfer fee for credit cards is 3.04%. You can consolidate debt from several credit cards onto one card. U.S. Bank Visa® Platinum Card: Best for cell phone protection. We have put together a list of the best balance transfer credit cards to help you with your search. Low interest rate - The main advantage of a balance transfer is the low interest rate or 0% interest rate depending on the amount of … The advantages of a balance transfer; Why choose balance transfer? The Citi® Double Cash Card is a top-of-the-line cashback card, and comes with a strong balance transfer … It offers 0% for 20 months on balances transferred within 60 days of opening an account and charges a 3% (min $5) balance transfer … The best balance transfer credit cards available now US Bank Visa® Platinum. If you are looking to repay your credit card debt, Standard Chartered's Funds Transfer is probably the cheapest way to make it happen. Zero-percent balance transfer offers have been fairly common on consumer credit cards in recent years, but not so much on cards designed for small-business operators and other … To choose the best balance transfer credit card, ask yourself: What is the interest rate on offer for the transferred balance? A balance transfer credit card can offer you an opportunity to pay off high-interest credit card debt. A balance transfer fee is a charge that a cardholder typically must pay when they transfer a debt to a credit card, and it’s usually a small … Editor's Review. SunTrust Prime Rewards Credit Card Best Overall, Best With No Initial Balance Transfer Fee, Best for Earning Rewards HSBC Gold Credit Card Longest 0% APR Period on Transfers Citi … The best balance transfer credit cards have 0% intro APRs on balance transfers for at least 15 months, no annual fee, and a balance transfer fee of no more than 5%. The best balance transfer credit cards have grown to become a typical part of most consumers’ financial strategy over the past several years. It can help you transfer outstanding balances from one or more credit cards to a low or 0% interest account or credit line. … Finding the best balance transfer card for fair credit is a balancing act between finding a credit card company that will approve you and still offer favorable terms. 26,257 Reviews. Best balance transfer card with rewards: Citi® Double Cash Card – 18 month BT offer. Balance transfer fees: When you transfer a balance from a high-interest card to one that offers a 0% introductory period, most card issuers charge a balance transfer fee, which is often between 3-5% of the amount of each transfer. Wells Fargo Platinum® Card: Best for travel protections. The best balance transfer credit cards allow you to pay down your balance by giving you an introductory window of time – usually 12 months or more – when interest doesn’t accrue on your balance. A balance transfer … Earn 2% on purchases with … With the average American household carrying more than $16,000 … Add to compare. Balance transfer credit cards are the best option if you're struggling to pay off your bills every month. You’ll pay a fee of $5 or 5% … Citi® Diamond Preferred® Card This credit card offers a seriously long 0% introductory APR … Here are our … To put that in perspective, if you transferred over $3,000 to a card with a 5% balance transfer … Discover it® Cash Back. To qualify, transfers must be made … The U.S. Bank Visa® Platinum Card is a straightforward credit card with an excellent balance transfer promotion: 0% APR for the first 20 months of card membership. Some cards will offer 0.00% for 6-10 months, while others may offer … Get one with a lower interest rate than what you have now (preferably a … The balance transfer offers: The Citi Simplicity offers 21 months of interest-free financing, including balance transfers made within four months of account opening. 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