Citi
Citi Double Cash®
4.6
Annual Fee
$0
Rewards Rate
2%
Intro Offer
None
Regular APR
19.24%–29.24%+
Long 0% APR on balance transfers. Simple 2% back (1% + 1%). Solid for debt payoff or everyday spend.
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Best Balance Transfer Credit Cards of 2026
Pay down debt with a 0% intro APR on balance transfers.
Independently reviewed · Verified April 2026 · No sponsored rankings
All categories Best
Wells Fargo
Wells Fargo Reflect®
4.5
Annual Fee
$0
Rewards Rate
0%
Intro Offer
None
Regular APR
18.24%–29.99%+
One of the longest 0% intro APR periods available — up to 21 months on purchases and balance transfers. No annual fee. Ideal for financing a large purchase or consolidating debt.
Discover
Discover it® Balance Transfer
4.3
Annual Fee
$0
Rewards Rate
1%-5%
Intro Offer
Cashback Match
Regular APR
18.24%–28.24%+
Long intro period for balance transfers. No balance transfer fee during the intro. Cashback Match in year one.
Citi
Citi Simplicity®
4.3
Annual Fee
$0
Rewards Rate
0%
Intro Offer
None
Regular APR
18.49%–28.99%+
One of the longest 0% intro APR offers for balance transfers at 21 months. No annual fee and no late fees — ever. A pure utility card for paying down debt without rewards distractions.
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