Pay down debt

Best balance transfer credit cards

Look first at the 0% transfer window, transfer fee, issuer rules, and whether the card has value after the intro period.

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Credit card terms, welcome offers, APRs, credits, and eligibility rules can change without notice. BillSaver summarizes publicly available card terms for comparison only; verify rates, fees, rewards, and offer language with the issuer before applying.

BillSaver picks

Top matches for this category

Flat-rate cash back plus transfer window

Citi Double Cash® Card

Annual fee: $0
Rewards: Up to 2% cash back: 1% when you buy and 1% as you pay, plus 5% on select Citi Travel bookings.
Intro APR: 0% intro APR on balance transfers for 18 months.

It combines long-term flat cash back with an intro transfer period, which is rare enough to matter.

See issuer terms

Long intro APR window

Wells Fargo Reflect® Card

Annual fee: $0
Rewards: No rewards program.
Intro APR: 0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers.

Built for readers who care more about interest savings than rewards.

See issuer terms

Extra-long balance transfer offer

Citi® Diamond Preferred® Card

Annual fee: $0
Rewards: No rewards program.
Intro APR: 0% intro APR on balance transfers for 21 months and purchases for 12 months.

One of the clearest options when the goal is time to pay down transferred debt.

See issuer terms

Side-by-side table

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Card	Best for	Rewards	Welcome offer	Annual fee	Intro APR	Regular APR	Watch out for	Terms
Compare Citi Double Cash® Card Citi · Good to excellent	Flat-rate cash back plus transfer windowIt combines long-term flat cash back with an intro transfer period, which is rare enough to matter.	Up to 2% cash back: 1% when you buy and 1% as you pay, plus 5% on select Citi Travel bookings.	$200 cash back after qualifying spend.	$0	0% intro APR on balance transfers for 18 months.	17.49% to 27.49% variable APR.	The full 2% comes when purchases are paid, and the card is not ideal for international travel.	Issuer terms
Compare Wells Fargo Reflect® Card Wells Fargo · Good to excellent	Long intro APR windowBuilt for readers who care more about interest savings than rewards.	No rewards program.	No traditional welcome bonus.	$0	0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers.	17.49%, 23.99%, or 28.24% variable APR.	No rewards means the card has less ongoing value after the intro APR period ends.	Issuer terms
Compare Citi® Diamond Preferred® Card Citi · Good to excellent	Extra-long balance transfer offerOne of the clearest options when the goal is time to pay down transferred debt.	No rewards program.	No traditional welcome bonus.	$0	0% intro APR on balance transfers for 21 months and purchases for 12 months.	16.49% to 27.24% variable APR.	It is not a rewards card, so the post-intro case is weaker.	Issuer terms
Compare Citi Simplicity® Card Citi · Good to excellent	Long intro APR plus no late feesA debt-payoff card for readers who want a long intro period and simpler penalty-fee rules.	No rewards program.	No traditional welcome bonus.	$0	0% intro APR offer on balance transfers and purchases.	Variable APR; see issuer terms.	No rewards and issuer-to-issuer transfer limits still matter.	Issuer terms
Compare BankAmericard® credit card Bank of America · Good to excellent	Low-fee intro APR optionA plain 0% APR option for readers who want to focus on payoff math instead of rewards.	No rewards program.	No traditional welcome bonus.	$0	Intro APR offer on purchases and balance transfers.	Variable APR; see issuer terms.	No rewards, and the strongest value depends on completing transfers during the intro window.	Issuer terms
Compare Discover it® Cash Back Discover · Good to excellent	Rotating categories plus first-year matchStrong first-year upside for readers willing to activate and track quarterly categories.	5% cash back in activated quarterly categories up to the quarterly cap, then 1%; 1% on other purchases.	Discover Cashback Match for new cardmembers after the first year.	$0	Intro APR offers vary by version and applicant.	17.49% to 26.49% variable APR.	Discover acceptance can be lower than Visa or Mastercard in some locations.	Issuer terms
Compare U.S. Bank Shield™ Visa® Card U.S. Bank · Good to excellent	Intro APR with side benefitsA useful comparison point for readers shopping long intro APR windows outside the biggest issuers.	No traditional rewards program.	No traditional welcome bonus.	$0	0% intro APR offer on purchases and balance transfers.	Variable APR; see issuer terms.	Exact transfer economics depend on the approved limit, fee, and intro period available at application.	Issuer terms

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Compare by goal

Start here Best cards 10 cards Everyday rewards Cash back 17 cards Points and miles Travel 6 cards Pay down debt Balance transfer 7 cards Intro financing 0% APR 9 cards Household spending Groceries & dining 5 cards First card Students 2 cards Secured and fair credit Build credit 5 cards Small business Business 2 cards Lower cost No annual fee 15 cards

How to use the table

Start with the reason you want the card. Rewards cards make sense when you pay in full. Balance transfer and 0% APR cards should be judged by the transfer fee, length of the promotional window, and your payoff plan. Credit-building cards should be judged by cost, reporting, deposit rules, and the habit of on-time payments.

Do not treat the richest welcome offer as the whole decision. A card with a lower annual fee, simpler rewards, or a shorter but cheaper balance-transfer period can be the better fit for a household budget.