Category ranking
Balance-Transfer Credit Cards
A balance transfer can save real money, but only if you clear the balance before the intro window closes. The transfer fee plus any post-intro interest is the true cost — our calculator shows it on each card page.
What to check in this category
- Length of the intro APR window
- The balance-transfer fee (usually 3–5%)
- The ongoing APR after the intro ends
- Whether you can realistically pay it off in time
We cover 3 balance-transfer credit cards — every fee, rate, and reward below is read from the issuer’s own disclosure and carries the date we last checked it. We rank nothing by commission, and any card whose terms go unverified past our cutoff is removed rather than shown with a stale number.
Which balance-transfer credit cards do we cover?
3 cards we cover here
- Accepting applications
Citi Double Cash Card
Mastercard · $0 annual fee
Editorial rating
4.24.2 out of 5
- Accepting applications
Citi Simplicity Card
Mastercard · $0 — "no annual fee, ever" annual fee
Editorial rating
4.24.2 out of 5
- Accepting applications
Wells Fargo Reflect Card
Visa · $0 annual fee
Editorial rating
4.24.2 out of 5
Frequently asked questions
How do you decide which balance-transfer credit cards to include?
Inclusion is a data question, not an editorial favor. A card appears here when it carries the balance-transfer classification and its fee and rate terms have been read from the issuer's own disclosure and dated. Cards whose terms go unverified past our cutoff are removed automatically rather than shown with a number we can no longer stand behind.
What should I check before applying for one of these balance-transfer credit cards?
Length of the intro APR window. The balance-transfer fee (usually 3–5%). The ongoing APR after the intro ends. Whether you can realistically pay it off in time.
Are these ranked by which pays you the most?
No. This site currently has no active partner relationships, and the published methodology sets scores before any partnership could exist. A commission has never moved a card up or down this page, and the buyer-beware list is built the same way.
Is this every card in this category?
No — it is every card in this category that we have verified. We cover 3 here, which is a slice of the market rather than all of it. A larger list built from unverified figures would rank better and help you less.
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.