Best Balance Transfer Cards
Citi Simplicity is the default pick for anyone focused purely on the length of the interest-free runway, since it has historically offered one of the longest windows with no late fee to worry about. Wells Fargo Reflect is worth a look if you also plan to make new purchases on the card, since its intro period can cover both. Choose Bank of America Unlimited Cash Rewards if you want the card to convert into a genuinely useful cash back card once the promotional period ends.
Best Balance Transfer Cards
Nothing we can price
None of these carry the figures needed to rank them for your situation yet.
Compared side by side
4 compared on the 3 things that decide it. A blank cell means we could not confirm the answer, not that the answer is no.
| Provider | Intro period | Balance transfer fee | Ongoing rewards |
|---|---|---|---|
| Citi Simplicity Card Best overall | — | — | — |
| Wells Fargo Reflect Card Best for new purchases too | — | — | — |
| Bank of America Unlimited Cash Rewards Best for life after the transfer | — | — | — |
| Discover it Balance Transfer Best straightforward terms | — | — | — |
Every offer, priced the same way
Ranked by what it costs you over a year. The arithmetic behind each figure is shown so you can check it. Offers we could not price are listed at the bottom with the reason.
1. Citi Simplicity Card — Citi
Best overall
One of the longer promotional windows on the market, paired with no late fee if a payment slips.
No APR or annual fee on file, so this one is not ranked.
Priced from national figures.
2. Wells Fargo Reflect Card — Wells Fargo
Best for new purchases too
The intro period can extend if you pay on time, and it covers new spending as well as a transferred balance.
No APR or annual fee on file, so this one is not ranked.
Priced from national figures.
3. Bank of America Unlimited Cash Rewards — Bank of America
Best for life after the transfer
Converts into a flat-rate cash back card once the promotional period ends, instead of sitting idle in a drawer.
No APR or annual fee on file, so this one is not ranked.
Priced from national figures.
4. Discover it Balance Transfer — Discover
Best straightforward terms
A long transfer window from an issuer with a reputation for clear, low-drama terms.
No APR or annual fee on file, so this one is not ranked.
Priced from national figures.
How we ranked these
We rank on the length of the promotional period relative to competitors, what the rate reverts to afterward, whether the transfer fee is a flat percentage or capped, and whether the card offers ongoing value (like cash back) once the intro period expires rather than becoming dead weight in a wallet.