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.
mo
Citi Simplicity
21 months at 0% APR · 3% transfer fee · Best Overall
mo
Wells Fargo Reflect
21 months at 0% APR · 5% transfer fee · 0% On Purchases Too
mo
U.S. Bank Shield Visa
21 months at 0% APR · 5% transfer fee · Billing-Cycle Window
mo
Chase Slate Edge
21 months at 0% APR · 5% transfer fee · Closed to New Applicants
mo
Discover it Balance Transfer
18 months at 0% APR · 3% transfer fee · Closed to New Applicants
mo
BankAmericard
21 months at 0% APR · 5% transfer fee · Strong Post-Intro Rate
mo
Amex EveryDay Credit Card
15 months at 0% APR · 3% transfer fee · Closed to New Applicants
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.