The Mortgage Reports Featured Cards for Balance Transfer

Citi Simplicity® Card

Our rating:4.3

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Estimated balance transfer savings

$577: Savings over 24 months based on a transfer of $2,500 at a current APR of 15%
Learn more about our calculations This amount is the estimated savings over 24 months following a $2,500 balance transfer, compared to keeping the balance on a credit card with a 15% APR and making minimum payments of interest + 1% of the balance. The estimate includes the new card’s balance transfer fee and balance transfer intro period and assumes equal payments across the 24-month period aimed at paying off the debt.

After the intro period, remaining months assume the average APR in the card’s disclosed range. This estimate is a CreditCards.com calculation used for educational purposes and is not a guarantee of savings.

Intro balance transfer APR: 0%

Intro balance transfer period: 21 months

Regular balance transfer APR: 18.49% - 29.24% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.3

Rating methodology

Introductory Offer:: 4.0
Net Value:: 3.9
Features:: 1.0
Issuer Customer Experience: 3.0

Highlights

No Late Fees, No Penalty Rate, and No Annual Fee... Ever
0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.49% - 29.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Stay protected with Citi® Quick Lock

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% for 12 months on Purchases
Regular APR: 18.49% - 29.24% (Variable)
Intro Balance Transfers APR: 0% for 21 months on Balance Transfers
Balance Transfer Fee: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.

Capital One Quicksilver Cash Rewards Credit Card

Our rating:3.7

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Apply now

Estimated balance transfer savings

$490: Savings over 24 months based on a transfer of $2,500 at a current APR of 15%
Learn more about our calculations This amount is the estimated savings over 24 months following a $2,500 balance transfer, compared to keeping the balance on a credit card with a 15% APR and making minimum payments of interest + 1% of the balance. The estimate includes the new card’s balance transfer fee and balance transfer intro period and assumes equal payments across the 24-month period aimed at paying off the debt.

After the intro period, remaining months assume the average APR in the card’s disclosed range. This estimate is a CreditCards.com calculation used for educational purposes and is not a guarantee of savings.

Intro balance transfer APR: 0%

Intro balance transfer period: 15 months

Regular balance transfer APR: 19.74% - 29.74% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:3.7

Rating methodology

Rewards Value:: 2.3
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 5.0
Features:: 3.0
Issuer Customer Experience: 4.0

Highlights

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% intro on purchases for 15 months
Regular APR: 19.74% - 29.74% (Variable)
Intro Balance Transfers APR: 0% intro on balance transfers for 15 months
Balance Transfer Fee: Balance transfer fee applies

Citi Custom Cash® Card

Our rating:4.5

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Apply now

Estimated balance transfer savings

$444: Savings over 24 months based on a transfer of $2,500 at a current APR of 15%
Learn more about our calculations This amount is the estimated savings over 24 months following a $2,500 balance transfer, compared to keeping the balance on a credit card with a 15% APR and making minimum payments of interest + 1% of the balance. The estimate includes the new card’s balance transfer fee and balance transfer intro period and assumes equal payments across the 24-month period aimed at paying off the debt.

After the intro period, remaining months assume the average APR in the card’s disclosed range. This estimate is a CreditCards.com calculation used for educational purposes and is not a guarantee of savings.

Intro balance transfer APR: 0%

Intro balance transfer period: 15 months

Regular balance transfer APR: 18.49% - 28.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.5

Rating methodology

Rewards Value: 3.7
APR: 3.0
Rewards Flexibility: 3.0
Features: 3.0
Issuer Customer Experience: 3.0

Highlights

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
No Annual Fee
Citi will only issue one Citi Custom Cash® Card account per person.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% for 15 months on purchases
Regular APR: 18.49% - 28.49% (Variable)
Intro Balance Transfers APR: 0% for 15 months on balance transfers
Balance Transfer Fee: Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

Blue Cash Everyday® Card from American Express

Our rating:4.8

See Rates & Fees, Terms Apply

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Estimated balance transfer savings

$493: Savings over 24 months based on a transfer of $2,500 at a current APR of 15%
Learn more about our calculations This amount is the estimated savings over 24 months following a $2,500 balance transfer, compared to keeping the balance on a credit card with a 15% APR and making minimum payments of interest + 1% of the balance. The estimate includes the new card’s balance transfer fee and balance transfer intro period and assumes equal payments across the 24-month period aimed at paying off the debt.

After the intro period, remaining months assume the average APR in the card’s disclosed range. This estimate is a CreditCards.com calculation used for educational purposes and is not a guarantee of savings.

Intro balance transfer APR: 0%

Intro balance transfer period: 15 months

Regular balance transfer APR: 18.49% - 29.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

See if you’re pre-approved for this card using our CardMatch tool.

Overall rating

Our rating:4.8

Rating methodology

Rewards Value:: 4.0
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 2.0
Features:: 3.0
Issuer Customer Experience: 5.0

Highlights

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.49% to 29.49% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
Terms Apply.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% on purchases for 15 months
Regular APR: 18.49%-29.49% Variable
Intro Balance Transfers APR: 0% on balance transfers for 15 months
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.

Blue Cash Preferred® Card from American Express

Our rating:4.6

See Rates & Fees, Terms Apply

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Estimated balance transfer savings

$423: Savings over 24 months based on a transfer of $2,500 at a current APR of 15%
Learn more about our calculations This amount is the estimated savings over 24 months following a $2,500 balance transfer, compared to keeping the balance on a credit card with a 15% APR and making minimum payments of interest + 1% of the balance. The estimate includes the new card’s balance transfer fee and balance transfer intro period and assumes equal payments across the 24-month period aimed at paying off the debt.

After the intro period, remaining months assume the average APR in the card’s disclosed range. This estimate is a CreditCards.com calculation used for educational purposes and is not a guarantee of savings.

Intro balance transfer APR: 0%

Intro balance transfer period: 12 months

Regular balance transfer APR: 18.49% - 29.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

See if you’re pre-approved for this card using our CardMatch tool.

Overall rating

Our rating:4.6

Rating methodology

Rewards Value:: 5.0
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 3.0
Features:: 3.0
Issuer Customer Experience: 5.0

Highlights

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.49% - 29.49%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
Terms Apply.

Rates & Fees

Annual Fee: $0 intro annual fee for the first year, then $95.
Intro Purchase APR: 0% on purchases for 12 months
Regular APR: 18.49%-29.49% Variable
Intro Balance Transfers APR: 0% on balance transfers for 12 months
Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.

Citi Simplicity® Card

Estimated balance transfer savings

At A Glance

Capital One Quicksilver Cash Rewards Credit Card

Estimated balance transfer savings

At A Glance

Citi Custom Cash® Card

Estimated balance transfer savings

At A Glance

Blue Cash Everyday® Card from American Express

Estimated balance transfer savings

At A Glance

Blue Cash Preferred® Card from American Express

Estimated balance transfer savings

At A Glance