Best Balance Transfer Credit Cards 2026
Updated 27 March 2026
Stop paying interest on your credit card debt. Compare 0% intro APR offers up to 21 months, see transfer fees side by side, and calculate exactly how much you will save.
Balance Transfer Card Comparison
Click any card to see full details. Sorted by intro period length.
| Card Name | 0% Intro Period | Transfer Fee | Regular APR | Annual Fee | Details |
|---|---|---|---|---|---|
1 Long Transfer Card Editor's Pick | 21 mo | 3%min $5 | 19.24% - 29.99% | $0 | |
2 Debt Payoff Card Best for Debt | 18 mo | 3%min $5 | 17.99% - 28.74% | $0 | |
3 No Fee Transfer Card Lowest Fee | 15 mo | 3%min $5 | 18.49% - 29.49% | $0 | |
4 Premium Transfer Card Premium Rewards | 15 mo | 5%min $10 | 20.49% - 30.24% | $95/yr | |
5 Flat Cash Transfer Card Simple Rewards | 15 mo | 3%min $5 | 19.99% - 29.74% | $0 | |
6 Low Rate Transfer Card Lowest Ongoing APR | 12 mo | 3%min $5 | 13.99% - 23.99% | $0 | |
7 Business Transfer Card Best for Business | 12 mo | 3%min $5 | 18.99% - 26.99% | $0 | |
8 Quick Payoff Card Short-Term Focus | 12 mo | 3%min $5 | 18.24% - 27.99% | $0 |
APR ranges shown are representative. Your actual APR will depend on your creditworthiness at time of application. Rates are variable and tied to the Prime Rate. Balance transfer fees apply and are charged at the time of transfer. Always read the full Schumer Box before applying.
Balance Transfer Savings Calculator
Enter your current balance and APR to see exactly how much you will save with a 0% transfer card
The amount of credit card debt you want to move to a 0% card
The interest rate on your existing credit card (check your statement)
Most cards charge 3% to 5% of the amount transferred
How many months the 0% promotional APR lasts on balance transfers
The APR that applies after the intro period ends
Interest Saved During 0% Period
$1,712
What you would pay in interest on your current card over the same period
Monthly Payment to Pay Off
$277.78
To clear $5,000 in 18 months
Monthly Interest (Current Card)
$95.79
Interest charged per month at your current APR
Transfer Fee
$150.00
3% of your $5,000 balance
Net Savings
$1,562
Interest saved minus the transfer fee
Who benefits most from a balance transfer?
People carrying balances above $2,000 on cards charging 18% APR or more. Moving to a 0% card stops the interest clock entirely, meaning every payment reduces your debt rather than part-paying interest first. The longer your intro period, the more interest you avoid.
Is a 3% fee always better than a 5% fee?
Not necessarily. A card with a 5% fee but 21 months 0% may save more total interest than a 3% fee card with only 15 months. The key variable is whether you can realistically pay off the balance within the shorter period. Use the calculator above to compare your exact numbers.
What to do when the intro period ends
Mark the expiry date in your calendar before you apply. If you will not pay off the full balance in time, start looking for a new 0% transfer card 2 months before the period ends. Transferring again incurs another fee but resets the interest clock for another 12 to 21 months.