Our Picks Of The Best Balance Transfer Cards For 2019

It's like finding that uncrowded spot at a concert where you can take a drink of your beer without spilling all over yourself. But this is with your credit card debt. Get it?

It's like finding that uncrowded spot at a concert where you can take a drink of your beer without spilling all over yourself. But this is with your credit card debt. Get it?

Tired of paying crazy high interest rates? Check out these top balance transfer cards our good team here at SplendidCredit.com curated for you. Also a good option if you have a high balance card you want to sell on our marketplace. Now that's using your brain! 

Repeated Transfers Over Time

Barclaycard RingⓇ MastercardⓇ

  • 0% on Balance Transfers for 12 months on balance transfers made within 45 days of account opening

  • After that, a variable 13.74% APR will apply

  • Low 13.74% variable APR on purchases and cash advances

  • $0 annual fee

  • Recommended credit 690 - 850

Best For Purchases and Transfers

Wells Fargo Platinum VisaⓇ Card

  • 0% on purchases and balance transfers for 18 months

  • After 18 months, 16.90% - 26.74% Variable APR balance transfer fees apply

  • $0 annual fee

  • Recommended credit 690 - 850

Best For Long Term Value  

Discover ItⓇ Balance Transfer

  • 0% on balance transfers for 18 months

  • 0% on purchases for 6 months

  • Ongoing APR: 13.74% - 24.74% variable APR

  • Balance transfer fee: 3%

  • $0 annual fee

  • Recommended credit 690 - 850

Best For Long Intro 0% APR Period

CitiⓇ Diamond Preferred CardⓇ

  • 0% on balance transfers for 21 months

  • 0% on purchases for 12 months

  • Ongoing APR: 14.74% - 24.74% variable APR

  • Balance Transfer Fee: 5% of each balance transfer; $5 minimum

  • $0 annual fee

  • Recommended credit 690 - 850

Best For Purchases and Transfers

U.S. Bank VisaⓇ Platinum Card

  • 0% on purchases and balance transfers for 20 billing cycles

  • After 20 billing cycles 11.74% - 23.74% variable APR

  • $0 annual fee

  • Recommended credit 720 - 850

Unlimited Flat-rate Cash Back

Capital OneⓇ Quick SilverⓇ Cash Rewards Credit Card

  • APR: 0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 14.74% - 24.74% Variable APR

  • Balance transfer fee: 3%

  • This card gives you 1.5% cash back on every purchase

  • Recommended credit 658 - 805

Addition Options:

Several other credit cards offer introductory 0% APR periods of at least 15 months for balance transfers. These include several rewards credit cards.

Truly Simple® Credit Card from Fifth Third Bank

  • APR: 0% introductory APR for your first 15 billing cycles after the account is opened on purchases and balance transfers, and then the ongoing APR of 13.74% - 24.74% Variable APR  

  • Balance transfer fee: 4% (minimum $5)

  • $0 Annual Fee

BankAmericard® credit card

  • APR: 0% on Purchases for 15 billing cycles and 0% on Balance Transfers for 15 billing cycles for balance transfers made in the first 60 days, and then the ongoing APR of 14.74% - 24.74% Variable APR

  • Balance transfer fee: 3% (minimum $10)

  • $0 Annual Fee

HSBC Cash Rewards Mastercard® credit card

  • APR: 0% Intro APR for 15 months on balance transfers, then a 14.74%, 18.74% or 24.74% variable APR

  • Balance transfer fee: 4% (minimum $10)

  • $0 Annual Fee

  • This card pays you 1.5% cash back on all purchases

  • Annual anniversary bonus of 10% of all cash back earned in the past year

 

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