Balance Transfer · May 2026

Stop paying interest. Transfer and pay it off.

The best balance transfer cards offer 0% APR for 15–21 months. We track 27 cards daily — compare intro periods, transfer fees, and ongoing APR.

All major issuersNo affiliate biasNo credit pull
Top 3 — Independently ranked

The three accounts worth your time

Ranked by composite score: rate + trust + ease

#1 · Best overall
CH
Chase

Chase

Chase Slate

21 momonths
Why #1: Top-ranked for rate, trust, and ease of opening.
Open account →
#2 · Runner-up
CI
Citi

Citi

Citi Diamond Preferred

21 momonths
Why #2: Strong rate from a trusted institution.
Open account →
#3 · Third pick
CI
Citi

Citi

Citi Diamond Preferred Card

21 momonths
Why #3: Solid choice with competitive terms.
Open account →

Showing 27 of 27 balance transfer

Chase

Chase Slate

21 mo
0% INTRO
#1 PickBest for no annual fee
21 mo 0% APRNo annual fee

Citi

Citi Diamond Preferred

21 mo
0% INTRO
#2 PickBest for no annual fee
21 mo 0% APRNo annual fee

Citi

Citi Diamond Preferred Card

21 mo
0% INTRO
#3 PickBest for no annual fee
21 mo 0% APRNo annual fee

Wells Fargo

Wells Fargo Reflect Card

21 mo
0% INTRO
Easiest to open
21 mo 0% APRNo annual fee

Wells Fargo

Reflect

21 mo
0% INTRO
Easiest to open
21 mo 0% APRNo annual fee

Bank of America

Bank Of America Bankamericard

0% INTRO
Easiest to open
No annual fee

Bank of America

Bankamericard Credit Card

0% INTRO
Easiest to open
No annual fee

Chase

Chase Freedom Unlimited

0% INTRO
Easiest to open
No annual fee

Citi

Citi Double Cash

0% INTRO
Easiest to open
No annual fee

Citi

Citi Double Cash Card

0% INTRO
Easiest to open
No annual fee
1 / 3
Not sure which is right for you?

Money Map shows you how fast you can pay off your balance.