Card Reviews / 2026
Balance transfer card reviews
Deep-dive reviews of 7 leading balance transfer cards. Each review covers the intro period, transfer fee, post-intro APR, credit score requirements, and real payoff scenarios.
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Citi Simplicity
21 months at 0% APR · 5% transfer fee · Best Overall
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Wells Fargo Reflect
21 months at 0% APR · 5% transfer fee · Low Fee Option
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U.S. Bank Visa Platinum
21 months at 0% APR · 5% transfer fee · Longest 0% Period
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Chase Slate Edge
21 months at 0% APR · 5% transfer fee · Best for Score Building
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Discover it Balance Transfer
18 months at 0% APR · 3% transfer fee · Best Rewards + Transfer
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BankAmericard
18 months at 0% APR · 3% transfer fee · Strong Post-Intro Rate
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Amex EveryDay Credit Card
15 months at 0% APR · 3% transfer fee · Best for Small Balances
Not sure which card to choose?
Use the savings calculator to compare how much interest each card would save you, or read the how transfers work guide before applying.