Best Balance Transfer Credit Cards of December 2024

ElitePersonalFinance
Last Update: November 18, 2024
Credit card:
EPF Rating:

4.9/5

ElitePersonalFinance Rating

ElitePersonalFinance's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

Intro APR:

0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months

Regular APR:

18.74%-27.74% Variable APR

Rewards rate:

1%-5% Cashback

Best for:

Best for Long intro period + quarterly categories

Learn More:
Credit card:
EPF Rating:

4.6/5

ElitePersonalFinance Rating

ElitePersonalFinance's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

Intro APR:

0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days

Regular APR:

15.74%-25.74% Variable APR

Rewards rate:

N/A

Best for:

Best for Long intro period + straightforward benefits

Learn More:
Credit card:
EPF Rating:

4.5/5

ElitePersonalFinance Rating

ElitePersonalFinance's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

Intro APR:

0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months

Regular APR:

18.49%-29.24% Variable APR

Rewards rate:

N/A

Best for:

Best for Extra-long intro period + no late fees

Learn More:
Credit card:
EPF Rating:

5.0/5

ElitePersonalFinance Rating

ElitePersonalFinance's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

Intro APR:

0% intro APR on purchases and Balance Transfers for 15 months

Regular APR:

19.99%-28.74% Variable APR

Rewards rate:

1.5%-5% Cashback

Best for:

Best for All-around cash back

Learn More:
Credit card:
EPF Rating:

4.5/5

ElitePersonalFinance Rating

ElitePersonalFinance's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

Intro APR:

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Regular APR:

17.49%, 23.99%, or 29.24% Variable APR

Rewards rate:

N/A

Best for:

Best for Longest intro period for transfers & purchases

Learn More:
Credit card:
EPF Rating:

4.9/5

ElitePersonalFinance Rating

ElitePersonalFinance's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

Intro APR:

0% intro APR on balance transfers for 18 months

Regular APR:

18.49%-28.49% Variable APR

Rewards rate:

1%-5% Cashback

Best for:

Best for 2% cash back

Learn More:
Credit card:
EPF Rating:

4.5/5

ElitePersonalFinance Rating

ElitePersonalFinance's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

Intro APR:

0% intro APR for 18 billing cycles on purchases and balance transfers

Regular APR:

17.99%-28.99% Variable APR

Rewards rate:

N/A

Best for:

Best for Long intro period + low intro fee

Learn More:
Credit card:
EPF Rating:

4.4/5

ElitePersonalFinance Rating

ElitePersonalFinance's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

Intro APR:

0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months

Regular APR:

17.49%-28.24% Variable APR

Rewards rate:

N/A

Best for:

Best for Extra-long balance transfer offer

Learn More:
Credit card:
EPF Rating:

5.0/5

ElitePersonalFinance Rating

ElitePersonalFinance's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

Intro APR:

0% intro APR on purchases and Balance Transfers for 15 months

Regular APR:

19.99%-28.74% Variable APR

Rewards rate:

1%-5% Cashback

Best for:

Best for Quarterly cash back categories

Learn More:
Credit card:
EPF Rating:

3.8/5

ElitePersonalFinance Rating

ElitePersonalFinance's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

Intro APR:

0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days

Regular APR:

18.74%-28.74% Variable APR

Rewards rate:

1.5x Points

Best for:

Best for Quarterly cash back categories

Learn More:
Credit card:
EPF Rating:

4.5/5

ElitePersonalFinance Rating

ElitePersonalFinance's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

Intro APR:

0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months

Regular APR:

18.74%-27.74% Variable APR

Rewards rate:

1%-2% Cashback

Best for:

Best for Long intro period + gas and dining rewards

Learn More: