Best Balance Transfer and Intro APR Credit Cards

If you’re looking for the best balance transfer and intro APR credit card you’re in the right place. The best credit cards on the market offer several benefits, such as lengthy promotional APRs on purchases or balance transfers, big sign-up bonuses and no annual fees. If you add up these perks, you’ll probably find a total of $1000 for the top credit cards.

But the best credit card for you will depend on your needs, spending habits and financial goals. To help you find the perfect credit card, we made a list of only the best balance transfer and intro APR credit cards.

Discover it® Balance Transfer

Bottom line: In addition to an interesting cash back program, this card offers a great intro APR on balance transfers. That way you have the best perks on the same card.

Credit Rating requirement: Good/Excellent

Rewards: 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases – automatically

Annual fee: $0

Intro apr:

• Purchases: 0%, 6 months
• Balance Transfers: 0%, 18 months
• ONGOING APR: 11.99% – 22.99% Variable APR

Welcome Bonus: Discover will match all the cash back you’ve earned at the end of your first year.

Great for: balance transfers

U.S. Bank Visa® Platinum Card

Bottom line: For a limited time, get a special 0% introductory APR*(view terms and conditions) on purchases and balance transfers for 20 billing cycles. After that the APR is variable, currently 14.49%-24.49%. Plus there’s no annual fee(view terms and conditions)!

Credit Rating requirement: Good/Excellent

Rewards: N/A

Annual fee: $0

Intro apr:

• Purchases: N/A
• Balance Transfers: 0%, 20 billing cycles
• ONGOING APR: 14.49% – 24.49% (Variable)

Welcome Bonus: N/A

Great for: long 0% intro APR offer

BankAmericard® credit card

Bottom line: Besides no annual fee, this card has the longest 0% intro APR offer for purchases and balance transfers and a welcome bonus. Few cards has all this perks!

Credit Rating requirement: Good/Excellent

Rewards: N/A

Annual fee: $0

Intro apr:

• Purchases: 0%, 18 billing cycles
• Balance Transfers: 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
• ONGOING APR: 12.99% – 22.99% Variable

Welcome bonus: $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening

Great for: intro APR offer with welcome bonus

Citi Simplicity® Card

Bottom line: This card is an excellent option because it has no late payment fees, a long 0% intro APR offer, no annual fee and no penalty rate.

Credit Rating requirement: Good/Excellent

Rewards: N/A

Annual fee: $0

Intro apr:

• Purchases: 0%, 18 months
• Balance Transfers: 0%, 18 months
• ONGOING APR: 14.74% – 24.74%, (Variable)

Welcome Bonus: N/A

Great for: 0% intro APR offer with no late payment fees

Bank of America® Customized Cash Rewards credit card

Bottom line: With this card you can choose and change your bonus rewards category, including gas, online shopping, dining, travel, drug stores, or home improvements and furnishing. Plus, earn unlimited 1% cash back on all other purchases and a welcome bonus.

Credit Rating requirement: Good/Excellent

Rewards: 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases

Annual fee: $0

Intro apr:

• Purchases: 0% Intro APR for 15 billing cycles for purchases
• Balance Transfers: 0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A 3% fee (min. $10) applies.
• ONGOING APR: 13.99% – 23.99% Variable APR on purchases and balance transfers

Welcome Bonus: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Great for: long 0% intro APR and unlimited cashback

Citi® Diamond Preferred® Card

Bottom line: This card has one of the longest intro balance transfer and purchase offers and it has no annual fee. The card doesn’t tout a traditional rewards program, but you will enjoy a few popular Citi perks, including Citi Entertainment®, Citi Easy Deals, and Citi Flex Plan.

Credit Rating requirement: Good/Excellent

Rewards: N/A

Annual fee: $0

Intro apr:

• Purchases: 0% for 18 months on Purchases
• Balance Transfers: 0% for 18 months on Balance Transfers
• ONGOING APR: 13.74% – 23.74% (Variable)

Welcome Bonus: N/A

Great for:  long 0% intro APR offer

Citi® Double Cash Card

Bottom line: This card is an excellent option for anyone looking for a credit card that directly rewards them for paying down balances. Plus, it has a long 0% intro APR on balance transfers.

Credit Rating requirement: Good/Excellent

Rewards: 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Annual fee: $0

Intro apr:

• Purchases: N/A
• Balance Transfers: 0% intro for 18 months on Balance Transfers
• ONGOING APR: 13.99% – 23.99% (Variable)

Welcome Bonus: N/A

Great for:  long 0% intro APR offer