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Best Balance Transfer Credit Cards of June 2024

Updated: June 03, 2024, 11:53am

At Quote States, we’re proud to showcase a variety of products from our esteemed partners who provide us with compensation. This arrangement might shape our coverage regarding which products we discuss and the placement and presentation of these products on our site. Nevertheless, we maintain editorial integrity: our assessments and opinions remain unbiased and solely our own. For transparency, here’s a directory of our partners, along with an explanation of how we sustain our operations and generate revenue.

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Best 0% APR Credit Cards

A balance transfer credit card can serve as a key weapon in your strategy to conquer debt. Leveraging a 0% introductory APR on such a card allows you to direct all your payments towards reducing the principal amount, rather than covering interest charges.

When selecting the ideal balance transfer card for your needs, it's important to consider the balance transfer fee, the volume of debt you wish to move over, and the timeframe you have to settle the balance.

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Best Balance Transfer Credit Cards From Our Partners

Citi Double Cash® Card

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

5.0

Apply Now

On Citi's Website.

Balance Transfer Intro APR & Period

APR: N/A

Balance Transfer Fee

N/A

Regular APR

N/A

Annual Fee

N/A

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  •  

USAA Rate Advantage Credit Card

0% intro APR for 15 months on balance transfers, then 12.15% to 29.15% variable regular APR

5.0

Apply Now

On USAA's Website.

Balance Transfer Intro APR & Period

APR: 0%, Period: for 15 months on balance transfers, then 12.15% to 29.15% variable regular APR

Balance Transfer Fee

5% of transaction amount

Regular APR

12.15% to 29.15% variable

Annual Fee

N/A

  • Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 12.15% to 29.15% will apply to introductory balances.
  • A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
  • Take advantage of USAA’s lowest interest rate card, whether you’re making a purchase or transferring a balance.
  • Pay less in interest if you carry a balance from month to month.
  • Enjoy the same low variable regular APR on purchases, balance transfers, and cash advances.
  • No annual fee.
  • No foreign transaction fees.
  • See Rates and Fees for details.

Citi Custom Cash® Card

Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

5.0

Apply Now

On Citi's Website.

Balance Transfer Intro APR & Period

APR: 0%, Period: 15 months

Balance Transfer Fee

Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

Regular APR

19.24% – 29.24% (Variable)

Annual Fee

$0

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.

AmONE - The Leading Loan Matching Service

With low interest rates and fixed monthly payments, personal loans are ideal for debt consolidation. You can consolidate your credit card debt into one low monthly payment with a personal loan.

5.0

Apply Now

On AmONE's Website.

Balance Transfer Intro APR & Period

APR: N/A

Balance Transfer Fee

N/A

Regular APR

N/A

Annual Fee

N/A

  • With low interest rates and fixed monthly payments, personal loans are ideal for debt consolidation.
  • Loan options are available up to $50,000 for all credit scores.
  • Get matched with lenders in minutes, and receive funding in as little as 1 day!
  •  

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Our mission: to simplify decision-making and unlock savings for users nationwide.

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