Best Balance Transfer Credit Cards

Bank of America® Customized Cash Rewards Credit Cards

Features

• Cash Back Rates: Earn 3% cash back in a category of your choice, 2% on dining (up to $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% on all other purchases.
• Annual Fee: $0, making it cost-effective for business owners.
• Welcome Bonus: $300 statement credit after spending $3,000 in the first 90 days.
• Intro APR: 0% on purchases for the first 9 billing cycles, then a variable APR of 18.49% - 28.49%.
• Choice Category: Changeable once each calendar month through Mobile Banking or Business Advantage 360.

Bank of America® Business Advantage Customized Cash Rewards Mastercard® Credit Card Review: Tailor Your Rewards

Optimize business spending with customizable cash back with no annual fee.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

Bank of America® Customized Cash Rewards Credit Card for Students

Features

• Cash Back Rates: 1%-3% on purchases.
• Annual Fee: $0, making it accessible for students.
• Welcome Bonus: $200 after $1,000 purchases within the first 90 days.
• Intro Purchase APR: 0% for 15 billing cycles, offering a break on interest for new purchases.
• Regular APR: 18.24% - 28.24% Variable, depending on creditworthiness.
• Balance Transfer: Intro fee of 3% for the first 60 days, then 4%.

Bank of America® Customized Cash Rewards Credit Card for Students Review

No-fee student card with flexible cashback & intro APR offer.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

Bank of America® Travel Rewards Credit Card

Features

• APR: For purchases and balance transfers made in the first 60 days, there is a 0% Intro APR for 15 billing cycles, followed by a Variable APR of 18.24%—28.24%.
• Annual Fee: $0, making it budget-friendly for students.
• Rewards Rate: Earn unlimited 1.5 points per $1 on all purchases, allowing flexible earning without categories.
• Sign-up Bonus: Earn 25,000 online bonus points after $1,000 purchases within the first 90 days, equivalent to a $250 statement credit for travel purchases.

Bank of America® Travel Rewards Credit Card for Students Review: A Starter Card with Travel Perks

Earn travel rewards with no annual fee & build credit.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

BankAmericard® Credit Card

Features

• Annual Fee: $0, making it cost-effective for all users.
• APR: 19.99%-29.99% Variable APR, with a 0% intro APR for the first 15 months on purchases and balance transfers.
• Credit Score: Requires good to excellent credit, targeting responsible spenders.
• Foreign Transaction Fees: None, perfect for international dining experiences.

Capital One SavorOne Review: Savor the Flavor of Cash Back

SavorOne: Unlimited 3% cash back on food and fun, $0 annual fee.

Keys to Credit AIRickie C. Keys, PhD, MPH

Chase Freedom Unlimited®

Features

• Annual Fee: $0, making it accessible to many users.
• APR: 20.49%-29.24% Variable APR, with a 0% intro APR on purchases and Balance Transfers for 15 months.
• Recommended Credit Score: 690-850 (Good - Excellent).
• Rewards:
  • Intro Offer: Earn an additional 1.5% cash back on all purchases (up to $20,000 spent in the first year).
  • Travel: 5% cash back on travel purchased through Chase Travel.
  • Dining and Drugstores: 3% cash back.
  • Lyft Services: 5% back on qualifying rides through March 31, 2025.
  • All Other Purchases: 1.5% cash back, with no minimum redemption amount.

Chase Freedom Unlimited Review: A Comprehensive Look

Chase Freedom Unlimited: $0 annual fee, high rewards on travel, dining, and more, plus flexible redemptions.

Keys to Credit AIRickie C. Keys, PhD, MPH

Citi Custom Cash® Card

Features

• Annual Fee: $0, making it a budget-friendly option.
• Rewards: Earn 5% cash back in your highest spending category each billing cycle (on up to $500 spent, 1% thereafter), plus an unlimited 1% back on all other purchases.
• Sign-Up Bonus: Earn $200 cash back after spending $1,500 in the first 6 months. The bonus is fulfilled as 20,000 ThankYou® Points, redeemable for $200 cash back.
• Intro APR: 0% on Purchases and Balance Transfers for 15 months, after which a variable APR of 19.24%-29.24% applies.
• Recommended Credit Score: 630-850 (Fair to Excellent).

Citi Custom Cash® Card Review: Automatic 5% Rewards in Your Top Category

Automatic 5% back in your top category, $200 bonus, 0% APR, no fee.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

Citi® Diamond Preferred® Card

Features

• Annual Fee: $0, offering significant value without the cost.
• Intro APR: 0% on balance transfers for 21 months and purchases for 12 months, perfect for debt management or large purchases.
• Regular APR: Variable 18.24% to 28.99%, based on creditworthiness post-introductory period.
• Balance Transfer Fee: 5% or $5 minimum, applicable during the first 4 months.

Citi® Diamond Preferred® Card Review: A Balance Transfer Powerhouse

Maximize savings with 0% intro APR for 21 months on transfers & more, no annual fee.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

Citi Double Cash® Card

Features

• Annual Fee: $0, making it an economical choice for all users.
• Cash Back Rewards: Earn 2% on every purchase—1% when you buy, plus another 1% as you pay for those purchases, ensuring rewards for both spending and responsible payment.
• Intro APR: 0% intro APR on Balance Transfers for 18 months, offering relief on existing credit card debt.
• Regular APR: Variable APR of 19.24% to 29.24%, tailored to your creditworthiness.
• Sign-up Bonus: Earn $200 cash back after spending $1,500 in the first 6 months, provided as 20,000 ThankYou® Points, redeemable for $200.

Citi Double Cash Card Review: Maximizing Cash Back on Every Purchase

Citi Double Cash: 2% back on everything, $0 annual fee, and balance transfer perks.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

Citi Rewards+® Card

Features

• Annual Fee: $0, making it an accessible card for all spenders.
• Welcome Bonus: 20,000 points after spending $1,500 in purchases within the first 3 months.
• Rewards Rate: Earn 2X points at supermarkets and gas stations (up to $6,000 annually) and 1X on all other purchases.
• Unique Round-UpEarn 2X points at supermarkets and gas stations (up to $6,000 per year): Every purchase is rounded to the nearest 10 points, enhancing the earning rate on smaller purchases.

Citi Rewards+® Card Review: Maximize Every Purchase

Earn more on every purchase with Citi Rewards+: 20K bonus points & 0% intro APR.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

Citi Simplicity® Card

Features

• Annual Fee: $0, offering cost savings from the start.
• APR: 0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases, transitioning to a regular APR of 19.24%-29.99% Variable APR.
• Recommended Credit Score: 690-850 (Good - Excellent), ensuring it's aimed at users with strong credit histories.
• Balance Transfer Fee: Starts at 3% ($5 minimum) during the initial four months, then increases to 5% ($5 minimum), which impacts the cost-effectiveness of transferring large balances.
• Foreign Transaction Fee: 3%, affecting the cost of international transactions.

Citi Simplicity Card Review: Mastering Debt Management

Citi Simplicity: 21-month 0% APR, no late fees, perfect for debt management.

Keys to Credit AIRickie C. Keys, PhD, MPH

Discover it® Balance Transfer

Features

• Annual Fee: $0, making it easily accessible without any upfront cost.
• Intro APR: The card offers a 0% intro APR on purchases for 6 months and balance transfers for 18 months, perfect for managing existing debt.
• Regular APR: After the intro period, the APR ranges from 17.24%-28.24% Variable APR.
• Rewards Rate: Earns 1%-5% Cashback, with 5% cash back on rotating quarterly categories on up to $1,500 in purchases (activation required) and 1% on all other purchases.
• Credit Score: Recommended for users with a Good to Excellent credit score (690-850).

Discover it Balance Transfer Review: The Smart Way to Reduce Debt

Discover it: 18-mo 0% APR for transfers, rewards on spends, $0 annual fee.

Keys to Credit AIRickie C. Keys, PhD, MPH

U.S. Bank Visa® Platinum Card

Features

• Annual Fee: $0, eliminating the worry of additional costs.
• Intro APR: Enjoy 0% intro APR for 18 billing cycles on purchases and balance transfers, ideal for managing large expenses or existing debt.
• Regular APR: After the introductory period, the APR shifts to a variable rate of 18.74%-29.74%.
• Balance Transfer Fee: Initially, the fee is either 3% of the transfer amount or $5 (whichever is greater) for transfers made within the first 60 days of account opening. After 60 days, the fee increases to 5% of the transfer amount or $5 minimum.
• Recommended Credit Score: 690-850 (Good - Excellent), targeting users with strong credit backgrounds.

U.S. Bank Visa Platinum Card Review: A Strong Contender for Financing and Transfers

U.S. Bank Visa: 18-mo 0% APR, cell protection, no annual fee.

Keys to Credit AIRickie C. Keys, PhD, MPH

Upgrade Life Rewards Visa®

Features

• Annual Fee: $0, enhancing its affordability.
• Cash Back Rates: Earn 3% on Gas, Groceries, Health, Streaming, and Utilities, and 1% on all other purchases.
• Welcome Bonus: $200 bonus after specific account actions, adding initial value.
• Interest Avoidance: EarlyPay option to sidestep interest by full early monthly payments.
• Credit Accessibility: Designed for fair or average credit profiles, broadening user accessibility.

Upgrade Life Rewards Visa® Review: Maximizing Cash Back on Everyday Expenses

Earn 3% cash back on everyday needs, with a $0 fee, designed for fair credit.

Keys to Credit AIRickie C. Keys, Ph.D., MPH

Upgrade Triple Cash Rewards Visa®

Features

• Annual Fee: $0, making it highly accessible.
• Cash Back Rewards are 3% on Home, Auto, and Health purchases and 1% on all other purchases.
• Credit Limit Range: Typically $500 to $25,000, catering to various financial needs.
• APR: Variable 14.99%-29.99%, based on creditworthiness.
• Unique Offering: Balance conversion to a fixed-rate loan for predictable repayments.

Upgrade Triple Cash Rewards Visa®: Unmatched Cash Back on Key Spending

Earn 3% on vital expenses with no fee and loan flexibility.

Keys to Credit AIRickie C. Keys, Ph.D., MPH