The Best balance transfer credit cards of 2023

Aquib Nawab

Personal Finance

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1. Bank of America® Customized Cash Rewards

It offers 3% cash back in your choice category, 2% at grocery stores and wholesale clubs (up to $2,500 quarterly), and 1% on other purchases. Enjoy 0% intro APR for 15 billing cycles on purchases and balance transfers.

Credits: reddit

Credits: money

2. Wells Fargo Reflect® Card

It offers 0% intro APR for 21 months on purchases and qualifying balance transfers. Afterward, variable APR of 18.24%, 24.74%, or 29.99% applies. 

3. U.S. Bank Visa® Platinum Card 

0% APR for 21 cycles on purchases/balance transfers, then variable APR. U.S. Bank ExtendPay® Plan with no fee for new users. Auto-pay, custom due dates, NortonLifeLock™ ID protection, and up to $600 cell phone coverage.

Credits: milestonememorie‪s

Credits: milestonememorie‪s

4. Citi® Double Cash Card 

0% APR for 18 months on balance transfers, then a variable 19.24%-29.24% APR applies. No annual fee, 3% foreign transaction fee, and cash advance fees are the greater of $10 or 5%. Initial balance transfer fee is 3%, increasing to 5% afterwards.

5. BankAmericard® Credit Card 

0% intro APR for 18 billing cycles on purchases and balance transfers within first 60 days. Post-intro, variable APR of 16.24%-26.24% applies with a 3% balance transfer fee. No annual fee, no penalty APR through mobile/online banking.

Credits: forbes

Credits: forbes

6. Citi® Diamond Preferred® Card 

0% intro APR for 12 months on purchases, and 21 months on balance transfers. Afterward, variable APR of 18.24% - 28.99%. No annual fee, $0 liability on unauthorized charges, free FICO® Score access, and Mastercard® ID Theft Protection™. Balance transfer fee is $5 or 5% of each transfer. 

7. Citi Simplicity® Card 

0% intro APR for 12 months on purchases, and 21 months on balance transfers. Post-intro, variable APR of 19.24% - 29.99%. Benefits include no annual fee, no late fees, no penalty rate, and $0 liability on unauthorized charges.

Credits: forbes

Credits: citi

8. Citi Rewards+® Card 

Earn 5x points on travel via Citi Travel℠ until 6/30/2024. Get 2x points at supermarkets/gas stations ($6,000/year), then 1x on other purchases. 20,000 bonus points after $1,500 spend in 3 months. 0% intro APR for 15 months, then 18.74%-28.74% variable APR & no annual fee.

9. Chase Freedom Flex℠ 

Earn $200 bonus after $500 spend in 3 months. Get 5% back on gas/grocery (up to $12,000 in 1st year, excl. Target/Walmart), 5% on quarterly categories, 5% on Chase travel, 3% on dining/drugstore, 1% elsewhere. 0% APR for 15 months, then 20.49%-29.24%. No annual fee.

Credits: pointsmiler

Credits: thepointsguy

10. Chase Slate Edge℠ 

0% intro APR for 18 months on purchases/balance transfers, then 20.49%-29.24% variable APR. Interest-free installments with My Chase Plan. No annual fee. APR reduces 2% annually with on-time payments/spending.

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