Top 6 Credit Cards for Seamless Balance Transfers
Discover the top six dependable credit cards for balance transfers, offering low intro APRs, cashback rewards, and no annual fees. These options help manage debt effectively while providing additional benefits, making them ideal for consumers seeking reliable financial solutions. Review terms carefully to select the best fit for your credit profile and financial goals.
Sponsored
Top 6 credit cards for effective balance transfers
Managing existing debt through balance transfers can be challenging and may cause financial and mental strain if not done carefully. While some cards advertise 20 or 21 months of 0% introductory APR, selecting a dependable card with favorable transfer and purchase rates is crucial. Below are six highly reliable options that meet these expectations.
Is the Wells Fargo Platinum Visa® Card your best bet?
Wells Fargo consistently offers excellent balance transfer deals.
Their Platinum Visa® provides 0% APR for 18 months on both purchases and balance transfers.
A fee of 3% applies for balance transfers during the initial 18 months, rising to 5% afterward.
Following the introductory period, the APR ranges from 16.90% to 26.74%, based on your creditworthiness. You can also check your free FICO® score with this card.
There is no annual fee associated with this card.
Includes a $600 cell phone protection plan.
The Wells Fargo Platinum card offers a balanced approach for both purchases and balance transfers.
Why is the Blue Cash Everyday® card considered an excellent option for balance transfers?
The American Express Blue Cash Everyday® card offers a 15-month 0% APR on both balance transfers and purchases.
It features a 3% fee for balance transfers and cash advances. Post-introductory, the APR varies between 14.74% and 25.74%.
Earn 3% cashback at supermarkets nationwide.
Gain 2% cashback at gas stations and 1% at select department stores.
No annual fee applies.
Highlights of BankAmericard®
Offers 15 billing cycles of 0% APR on both purchases and balance transfers made within 60 days of account opening.
Post-intro, APR ranges from 14.74% to 24.74%.
No annual fee is charged.
Note: The card does not offer rewards but allows free access to your FICO® score.
Features of Capital One Quicksilver
Provides a 15-month 0% APR for both balance transfers and purchases.
Has a 3% balance transfer fee.
Regular APR after the intro period varies between 14.74% and 24.74%.
Earns 1.5% cashback on all purchases.
No annual or foreign transaction fees.
One of the most trustworthy options for long-term balance transfer benefits.
Benefits of Chase Freedom Unlimited®
Offers 15 months of 0% APR on transfers and purchases.
Automatically earns 1.5% cashback on all spending.
Includes a $150 bonus for spending $500 within three months.
Balance transfer fee is 5% or $5, whichever is higher.
No annual fee applies.
HSBC Cash Rewards Mastercard® details
Features an 18-month 0% APR for balance transfers and purchases.
Post-intro, variable APR ranges from 12.74% to 20.74%.
No annual, foreign transaction, or late payment fees.
Balance transfers incur a $10 or 4% fee.
Offers cash-back rewards on all transactions.
These top credit cards are ideal for balance transfers, but choosing the right one depends on your specific needs. Always review the terms and conditions, especially your credit score requirements, as most of these cards need good to excellent credit for approval.
