Best Balance Transfer Credit Cards of 2026
A balance transfer card with a 0% intro APR period can help you pay down existing debt without racking up interest. We've compared the best balance transfer offers so you can find the longest 0% period and lowest fees to get out of debt faster.
Top Picks
Best Credit Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Average/Fair/Limited/Poor/Good/Excellent
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
See website for Details*
- Compare our current best credit card offers to find the one that best suits your needs
- See the best credit cards by category including cash back, travel, business and student
- Earn 1.5% cash back on all purchases or 2X points on travel and dining expenses
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- Best card selections updated often – click to see the latest rankings
- Terms may vary by partner offer. Please see each bank's application for terms and conditions
- Clicking will take you to CreditSoup.com to compare Best Credit Cards from participating partners
Bank of America® Unlimited Cash Rewards credit card for Students
Bank of America
Annual Fee
$0
Credit Needed
Excellent/Good
Rewards Rate
2% cash back on all purchases for the first year from account opening
Purchase APR
0% Intro APR for 15 billing cycles for purchases
Balance Transfer
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 5%)
Regular APR
17.49% - 27.49% Variable APR on purchases and balance transfers
Intro Offer
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
- Thereafter, you’ll earn unlimited 1.5% cash back on all purchases, with no expiration on rewards as long as your account remains open.
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- No annual fee.
- Select your card design option when you apply – the Unlimited Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Business Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Average/Fair/Limited/Good/Excellent
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
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- Credit cards specifically designed for the needs of small business owners
- Take advantage of sign-up bonus offers, flexible payment terms and business-focused reward categories
- Earn rewards points, miles or cash back on everyday business expenses
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- Rewards can be redeemed for free travel, cash back, gift cards or merchandise
- Terms vary by partner offer. Please see each bank's application for terms and conditions
- Clicking Apply Now will take you to CreditSoup.com to compare Business Credit Cards from participating partners
Prepaid Credit Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
All Credit Types Considered
Rewards Rate
N/A
Purchase APR
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Balance Transfer
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Regular APR
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- Perfect for managing expenses and spending without going into debt
- No credit check required
- Use anywhere Visa or Mastercard cards are accepted
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- No late or interest charges because prepaid debit cards are not credit cards
- Terms vary by partner offer. Please see each bank's application for terms and conditions
- Clicking Apply Now will take you to CreditSoup.com to compare Prepaid Debit Cards from participating partners
Secured Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
All Credit Types Considered
Rewards Rate
N/A
Purchase APR
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Balance Transfer
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Regular APR
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- Take advantage of the benefits of a traditional credit card while reducing the risk of getting buried in debt
- No annual fee options available
- Enjoy the ability to choose your credit line up to $5,000 based on security deposit
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- Secured credit cards are an excellent way to build credit for those unable to qualify for unsecured credit cards due to poor credit or lack of credit history
- Terms may vary by partner offer. Please see each bank's application for terms and conditions
- Clicking Apply Now will take you to CreditSoup.com to compare Secured Credit Cards from participating partners
Cash Back Rewards Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Average/Fair/Limited/Good/Excellent
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
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- Earn up to 3% cash back on all purchases
- Redeem cash back in the form of checks, statement credits, gift cards, merchandise or towards free travel
- Earn sign-up bonuses after meeting initial spending thresholds
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- Terms vary by partner offer. Please see each bank's application for terms and conditions.
- Clicking will take you to CreditSoup.com to compare Cash Back Credit Cards from participating partners
Bad Credit Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Fair/Bad/Poor/Damaged/Limited/No Credit/
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
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Mastercard® Gold Card™
Barclays Bank
Annual Fee
$1,199 ($349 for each Authorized User added to the account)
Credit Needed
Excellent
Rewards Rate
2 points for every $1 spent on Airfare and Hotel reservations booked through LuxuryCardTravel.com.
Purchase APR
N/A
Balance Transfer
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 19.49% to 27.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
Regular APR
19.49% to 27.49% Variable, based on your creditworthiness and other factors
- Redeem at 2% value for airfare and 2% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $1000 cash back, issued as a direct deposit statement credit.
- Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.
- $300 Annual Airline Credit: Receive up to $300 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more.
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- $200 Annual Dining Credit: Get up to $200 in annual statement credits when you use your Luxury Card at qualifying restaurants.
- $200 Ship&Play Credit: Send your belongings ahead of time with Ship&Play and receive up to $200 in credits annually.
- Receive up to $120 reimbursment credit for a Global Entry or TSA PreCheck® application for each Mastercard Gold Card Primary Cardmember and Authorized Users.
- 24/7 Luxury Card Concierge®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs—and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets.
- With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests.
- Made with 24K Gold®: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its contactless patented card design and metal construction raises the standard. Carry a card with distinction.
- Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Annual Fee: $1,199 ($349 for each Authorized User). Terms and conditions apply.
No Annual Fee Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Average/Fair/Good/Limited/Good/Bad/No Credit/Excellent
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
See website for Details*
- Enjoy cash back and travel rewards without incurring an annual fee!
- Plus, get 0% APR on purchases and balance transfers
- Earn lucrative sign-up bonuses once initial spending thresholds are met
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- Perfect for those who dislike annual fees or can’t offset with rewards earning
- Terms vary by partner offer. Please see each bank's application for terms and conditions
- Clicking Apply Now will take you to CreditSoup.com to compare No Annual Fee Credit Cards from participating partners
Student Credit Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Average/Good/Fair/Limited/No Credit
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
See website for Details*
- Credit cards designed for college students that establish and build credit
- Access to higher credit line after making on-time payments
- Earn 1% cash back rewards on everyday purchases
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- Free credit monitoring tools to watch credit score grow
- Terms vary by partner offer. Please see each bank's application for terms and conditions
- Clicking Apply Now will take you to CreditSoup.com to compare Student Credit Cards from participating partners