26,257 Reviews. A balance transfer fee is a charge that a cardholder typically must pay when they transfer a debt to a credit card, and it’s usually a small … See Rates & Fees. The best balance transfer credit cards have 0% intro APRs on balance transfers for at least 15 months, no annual fee, and a balance transfer fee of no more than 5%. How I picked the best balance transfer credit cards To select my recommendations above, I primarily looked at two features: The length of the introductory 0% APR period, and the balance transfer … You’ll pay a fee of $5 or 5% … Best balance transfer card with rewards: Citi® Double Cash Card – 18 month BT offer. U.S. Bank Visa® Platinum Card: Best for cell phone protection. By and large, the best balance-transfer card is the one that has the longest 0% APR period, the lowest transfer fee, and the lowest long-term APR after the “free interest” period expires. Finding the best balance transfer card for fair credit is a balancing act between finding a credit card company that will approve you and still offer favorable terms. We have put together a list of the best balance transfer credit cards to help you with your search. To put that in perspective, if you transferred over $3,000 to a card with a 5% balance transfer … … Look for credit cards that offer 0% APR … Citi® Diamond Preferred® Card: Best for long balance transfers. The best balance transfer credit cards available now US Bank Visa® Platinum. The balance transfer offers: The Citi Simplicity offers 21 months of interest-free financing, including balance transfers made within four months of account opening. Best balance transfer cards for fair credit. Rather than pay interest on your credit card debt or juggle multiple payments each month, you may be able to transfer high-interest debt to a single credit card by doing a balance transfer. Balance transfer fees: When you transfer a balance from a high-interest card to one that offers a 0% introductory period, most card issuers charge a balance transfer fee, which is often between 3-5% of the amount of each transfer. To choose the best balance transfer credit card, ask yourself: What is the interest rate on offer for the transferred balance? Some cards will offer 0.00% for 6-10 months, while others may offer … … When you transfer a high interest balance from other credit cards to the Citi ® Double Cash Card, you can save on interest and have more time to pay it off. Good to Excellent. A balance transfer … Get one with a lower interest rate than what you have now (preferably a … This card features the longest promotional financing offer available from any major credit card issuer. Wells Fargo Platinum® Card: Best for travel protections. You can consolidate debt from several credit cards onto one card. When scoping out the best balance transfer cards, look at these features: Balance transfer APR (aka interest rate): Lower is better. The best balance transfer credit cards have grown to become a typical part of most consumers’ financial strategy over the past several years. SunTrust Prime Rewards Credit Card Best Overall, Best With No Initial Balance Transfer Fee, Best for Earning Rewards HSBC Gold Credit Card Longest 0% APR Period on Transfers Citi … If you are looking to repay your credit card debt, Standard Chartered's Funds Transfer is probably the cheapest way to make it happen. Zero-percent balance transfer offers have been fairly common on consumer credit cards in recent years, but not so much on cards designed for small-business operators and other … The Chase Slate® credit card has no annual fee, no penalty APR, and two balance transfer incentives: Transfer a balance within a prescribed initial time frame and you’ll get an introductory APR of 0% … When making your decision, consider the annual fee, balance transfer … Here are our … The Amex EveryDay® Credit Card is a best-in-class balance transfer credit card offering rewards, special financing and no balance transfer fees — all for no annual fee. It can help you transfer outstanding balances from one or more credit cards to a low or 0% interest account or credit line. The U.S. Bank Visa® Platinum Card is a straightforward credit card with an excellent balance transfer promotion: 0% APR for the first 20 months of card membership. A balance transfer is a type of unsecured, short-term cash facility. Earn cash back TWICE. The best balance transfer credit card is the U.S. Bank Visa® Platinum Card. The best balance transfer credit cards allow you to pay down your balance by giving you an introductory window of time – usually 12 months or more – when interest doesn’t accrue on your balance. Editor's Review. A balance transfer credit card can offer you an opportunity to pay off high-interest credit card debt. It offers 0% for 20 months on balances transferred within 60 days of opening an account and charges a 3% (min $5) balance transfer … Balance transfer credit cards are the best option if you're struggling to pay off your bills every month. Citi® Diamond Preferred® Card This credit card offers a seriously long 0% introductory APR … The bank stands out as the most affordable option for … With the average American household carrying more than $16,000 … The average balance transfer fee for credit cards is 3.04%. The advantages of a balance transfer; Why choose balance transfer? 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