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List of Balance Transfer Credit Cards

Below is a list of balance transfer credit cards with long introductory periods. The longest intro period at the moment is 21 months. These cards enable you to transfer a credit card with high interest and not get charged any interest rate for an introductory period. This will help you pay down your debt faster.
 

Longest Balance Transfer Intro Period Credit Cards



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Citi® Diamond Preferred® Card

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Intro APR (Balance Transfer): 0% 
0% 
Intro Period (Balance Transfer): 21 Months 
21 Months 
Balance Transfer Fee: > $5 or 5% 
> $5 or 5% 
Annual Fee: $0 
$0 
Regular APR: 13.74% to 23.74%*(variable) 
13.74% to 23.74%*(variable) 
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Citi Simplicity® Card

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Intro APR (Balance Transfer):  
 
Intro Period (Balance Transfer):  
 
Balance Transfer Fee: $5 or 3% 
$5 or 3% 
Annual Fee: $0* 
$0* 
Regular APR:  
 

Citi® Double Cash Card

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Intro APR (Balance Transfer): 0% 
0% 
Intro Period (Balance Transfer): 18 Months 
18 Months 
Balance Transfer Fee: > $5 or 3% 
> $5 or 3% 
Annual Fee: $0 
$0 
Regular APR: 13.99% to 23.99%* (variable) 
13.99% to 23.99%* (variable) 
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Wells Fargo ReflectSM Card

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Intro APR (Balance Transfer): 0% 
0% 
Intro Period (Balance Transfer): 21 Months 
21 Months 
Balance Transfer Fee:  
 
Annual Fee: $0 
$0 
Regular APR: 12.99% - 24.99% 
12.99% - 24.99% 
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Wells Fargo Cash Back

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Intro APR (Balance Transfer):  
 
Intro Period (Balance Transfer):  
 
Balance Transfer Fee: $5 or 3% For Intro Period, Thereafter 5% 
$5 or 3% For Intro Period, Thereafter 5% 
Annual Fee: $0* 
$0* 
Regular APR:  
 

Blue Cash Everyday® Card from American Express

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Intro APR (Balance Transfer): N.A. 
N.A. 
Intro Period (Balance Transfer): N.A. 
N.A. 
Balance Transfer Fee:  
 
Annual Fee: $0 
$0 
Regular APR: 13.99% to 23.99%* (variable) 
13.99% to 23.99%* (variable) 
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Discover IT Card

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Intro APR (Balance Transfer): 0% 
0% 
Intro Period (Balance Transfer): 14 Months 
14 Months 
Balance Transfer Fee: 3% 
3% 
Annual Fee: $0 
$0 
Regular APR: 11.99% to 22.99%*(variable) 
11.99% to 22.99%*(variable) 
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Discover it® Chrome

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Intro APR (Balance Transfer): 0% 
0% 
Intro Period (Balance Transfer): 14 Months 
14 Months 
Balance Transfer Fee: 3% 
3% 
Annual Fee: $0 
$0 
Regular APR: 11.99% to 22.99%*(variable) 
11.99% to 22.99%*(variable) 
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Discover IT Miles

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Intro APR (Balance Transfer): 10.99% 
10.99% 
Intro Period (Balance Transfer): 14 Months 
14 Months 
Balance Transfer Fee: 3% 
3% 
Annual Fee: $0 
$0 
Regular APR: 11.99% to 22.99%*(variable) 
11.99% to 22.99%*(variable) 
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Balance Transfer Deals Compared

Cards 0% APR Balance Transfer Intro Period Balance Transfer Fee
Citi Simplicity 21 Months Min of 3% or $10
Citi Diamond Preferred Credit Card 18 Months Greater of 5% or $5
Citi Double Cash 18 Months Min of 3% or $5
Well Fargo Platinum Card 18 Months Min of 3% or $5
Blue Cash Everyday From American Express 15 Months Min of 3% or $5
Discover It 14 Months 3% by Sept 10 2020, then 5%
Discover It Chrome 14 Months 3% by Sept 10 2020, then 5%


Citi Simplicity

Balance Transfer Deal: 0% for 21 months

Balance Transfer Fee: Greater of 3% or $5

Annual Fee: $0

Reward Program: No Rewards.

Should You Keep This Card After Intro Period?: The Citi Simplicity has no rewards program so I do not view this as a keeper card. I would suggest a PC (product change) request to another Citi credit card like the Citi Double Cash.



Citi Diamond Preferred Credit Card

Balance Transfer Deal: 0% for 21 months

Balance Transfer Fee: Greater of 5% or $5

Annual Fee: $0

Reward Program: No Reward Program.

Should You Keep This Card After Intro Period?: The Citi Diamond Preferred Card has no reward program so I am not enthusiastic about keeping it after the introductory period ends.Having said that, Citi has other great cards and you could request a PC (product change) to a better Citi credit card.



Citi Double Cash

Balance Transfer Deal: 0% for 18 months

Balance Transfer Fee: Greater of 3% or $5

Annual Fee: $0

Reward Program: 2X Cash Back on all purchases. Points can be transferred to ThankYou points when paired with a premium Citi ThankYou Card.

Should You Keep This Card After Intro Period?: This card is definitely a keeper because it is the only cash back credit card where you can earn 2% cash back on all purchases. Most flat back cash back credit cards only give you 1.5% cash back on all purchases. Furthermore, if you also have the Citi ThankYou Premier Card, you can transfer cash back you earned to Thankyou Points, which can be transferred to airline partners.



Well Fargo Platinum Card

Balance Transfer Deal: 0% for 18 months

Balance Transfer Fee: Greater of 3% or $5

Annual Fee: $0

Reward Program: This card has no reward program.

Should You Keep This Card After Intro Period?: Since this card has no reward program, there is really no reason to keep using it. Wells Fargo has other better credit cards with reward programs and you could request a PC (product change).



Blue Cash Everyday From American Express

Balance Transfer Deal: 0% for 15 months

Balance Transfer Fee: Greater of 3% or $5

Annual Fee: $0

Reward Program: You can earn 3% cash back for spending on up to $6,500 at US Supermarkets and 2% at gas stations and select US Department stores.

Should You Keep This Card After Intro Period?: This is a very decent cash back credit card for earning cash back at supermarkets, gas stations and certain department stores. SO I would consider this card a keeper after the balance transfer introductory period ends.



Discover It

Balance Transfer Deal: 0% for 14 months

Balance Transfer Fee: Greater of 3% by 10 September 2020, then 5%.

Annual Fee: $0

Reward Program: You can earn 5% cash back on bonus categories that rotate and change every 3 months.

Should You Keep This Card After Intro Period?: Discover has arguably one of the best customer service among credit card issuers. It is also a good cash back credit card. If you want to earn cash back from your credit card spending, then I would keep using this card after the introductory period ends.



Discover It Chrome

Balance Transfer Deal: 0% for 14 months

Balance Transfer Fee: Greater of 3% by 10 September 2020, then 5%.

Annual Fee: $0

Reward Program: You earn earn 2% cash back at gas stations and restaurants for up to $1,500 spending during a quarter.

Should You Keep This Card After Intro Period?: I would say this card is just OK as far as earning cash back goes. I do not like the the fact that you are only limited to $1,500 in spending on gas and dining to earn the 2% cash back each quarter. Having said that, this card has no annual fee and there is no harm keeping this card.



Choosing and Comparing Balance Transfer Credit Cards

There are two key things to look out for when choosing a card to transfer a balance to. They are:


How To Use A Balance Transfer Credit Card?

There are a few best practices you should adhere to.



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