Best Balance Transfers Credit Cards

6 Cards

Chase Freedom Unlimited®

Rewards are very simple: 1.5% cash on purchases. I like the simplicity. Read Full Review →

Read reviews about the best balance transfer cards - Updated January 2023

Chase Freedom Unlimited®

(1 Rating or Review)
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Lowest Credit Score
720
High Credit Score
850
Pricing
Intro Purchase APR 0% Intro APR on Purchases
Intro Purchase APR Period N/A
Regular Purchase APR 14.99% - 23.74% Variable
Fees
Annual Fee $0
Foreign Transaction Fee 3% of the amount of each transaction in U.S. dollars.
Balance Transfers
Intro Balance Transfer APR 0% Intro APR on Balance Transfers
Intro Balance Transfer Period 15 months
Regular Balance Transfer APR 14.99% - 23.74% Variable
Fees
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99 - 23.74%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
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HSBC Gold Mastercard® credit card

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Lowest Credit Score
720
High Credit Score
850
Pricing
Intro Purchase APR 0.00%
Intro Purchase APR Period 18 months
Regular Purchase APR Variable APR of 14.49% - 24.49% will apply after the Introductory Period
Fees
Annual Fee $0
Foreign Transaction Fee $0
Balance Transfers
Intro Balance Transfer APR 0.00%
Intro Balance Transfer Period 18 months
Regular Balance Transfer APR Variable APR of 14.49% - 24.49% will apply after the Introductory Period
Fees
Balance Transfer Fee 4.00%
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 14.49% - 24.49% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
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TRIO® Credit Card from Fifth Third Bank

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Lowest Credit Score
720
High Credit Score
850
Pricing
Intro Purchase APR See Terms
Intro Purchase APR Period See Terms
Regular Purchase APR 15.49% - 24.49% Variable
Fees
Annual Fee See Terms
Foreign Transaction Fee See Terms
Balance Transfers
Intro Balance Transfer APR 0%
Intro Balance Transfer Period 12 billing cycles
Regular Balance Transfer APR 15.49% - 24.49%* (Variable)
Fees
Balance Transfer Fee 4% of each balance transfer; $5 minimum.
  • 3% cash back at restaurants and 2% cash back on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
  • 1% unlimited cash back on all other purchases • Earn a new account bonus worth $100! Earn 10,000 bonus points which can be redeemed for $100 cash back, simply spend $1,000 within 90 days of opening your account
  • 0% Introductory APR on Balance Transfers for your first 12 billing cycles, then your variable APR will be 15.49% to 24.49% based on your creditworthiness
  • No international transaction fees on credit purchases
  • No Annual Fee • Click apply now and view the Notices & Disclosures section for Important Rates, Fees and Other Cost Information and Rewards Details
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Truly Simple® Credit Card from Fifth Third Bank

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Lowest Credit Score
720
High Credit Score
850
Pricing
Intro Purchase APR 0%
Intro Purchase APR Period 15 billing cycles
Regular Purchase APR 13.49%-24.49% Variable
Fees
Annual Fee See Terms
Foreign Transaction Fee 3% of each transaction in U.S. dollars.
Balance Transfers
Intro Balance Transfer APR 0%
Intro Balance Transfer Period 15 billing cycles
Regular Balance Transfer APR 13.49%-24.49% Variable
Fees
Balance Transfer Fee 4% of each balance transfer; $5 minimum.
  • Start saving by consolidating your high interest rate cards and making everyday purchases on one card that can help you get what you want.
  • Low 0% introductory APR for your first 15 billing cycles after the account is opened on purchases and balance transfers. After that, your variable APR will be 13.49% to 24.49% based on your creditworthiness.
  • No Penalty Rate (APR) for a missed payment
  • No Annual Fee
  • Click to apply now and view the Notices & Disclosures section for Important Rates, Fees and Other Cost Information.
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HSBC Cash Rewards Mastercard® credit card

(0 Ratings or Reviews)
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Lowest Credit Score
690
High Credit Score
850
Pricing
Intro Purchase APR 0.00%
Intro Purchase APR Period 12 months
Regular Purchase APR Variable APR of 14.49% - 24.49% will apply after the Introductory Period
Fees
Annual Fee $0
Foreign Transaction Fee $0
Balance Transfers
Intro Balance Transfer APR 0.00%
Intro Balance Transfer Period 12 months
Regular Balance Transfer APR Variable APR of 14.49% - 24.49% will apply after the Introductory Period
Fees
Balance Transfer Fee 4.00%
  • Earn unlimited 1.5% cash back on all purchases.
  • Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.49% - 24.49% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
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Capital One VentureOne Rewards Credit Card

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Lowest Credit Score
690
High Credit Score
850
Pricing
Intro Purchase APR 0% intro on purchases
Intro Purchase APR Period for 18 months
Regular Purchase APR 19.24% - 29.24% (Variable)
Fees
Annual Fee $0
Foreign Transaction Fee None
Balance Transfers
Intro Balance Transfer APR 0% intro on balance transfers
Intro Balance Transfer Period for 18 months
Regular Balance Transfer APR 19.24% - 29.24% (Variable)
Fees
Balance Transfer Fee 3%
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 40,000 miles once you spend $1000 on purchases within 3 months from account opening, equal to $400 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 18 months; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 18 months
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