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Find the Best Balance Transfer Credit Cards

WiseOwlFinance partnered1 with CardRatings to compare the best balance transfer credit cards for December 2024.

Do you have high-interest credit card debt? A balance transfer credit card can offer 0% interest for up to 21 months. This will allow you to pay off your debt faster without the high interest burden. Select your credit score range below to increase your chances of being approved

Excellent 740-850
Good 670-739
Fair 580-669

Why Choose a Balance Transfer Credit Card?

  • 0% Interest for Up to 21 Months: Transfer your existing credit card balances and enjoy up to 21 months of 0% interest. This extended period can significantly reduce your debt and save you money on interest payments.
  • Consolidate Your Debt: Simplify your finances by consolidating multiple high-interest debts into one manageable monthly payment.
  • Save on Interest: With no interest accruing during the introductory period, every payment you make directly reduces your principal balance.
  • Potential Rewards and Benefits: Some balance transfer cards offer additional perks, such as cashback on new purchases or access to financial management tools.

How to Choose the Right Balance Transfer Card

Selecting the best balance transfer credit card requires careful consideration of several factors:

  1. Introductory Period: Look for cards with the longest 0% interest period to maximize your interest savings.
  2. Post-Introductory APR: Understand the interest rate that will apply after the introductory period ends to avoid surprises.
  3. Credit Score Requirements: When applying for balance transfer credit cards, ensure your credit score meets the card’s approval criteria. Click on your credit score range below to see the list of balance transfer cards you qualify for. If you’re unsure of your credit score, using the CardFinder tool can be a helpful first step. This tool assesses your credit status and suggests cards that match your credit profile, improving your chances of approval and helping you make a more informed application decision.
Excellent
Good
Fair

Ready to Take Control of Your Debt?

Start comparing now and find the balance transfer credit card with the best terms and features for your needs.

Act Now and Save

With balance transfer credit cards offering 0% interest for up to 21 months, there’s no better time to take action. By consolidating your debt and eliminating interest charges, you can achieve financial freedom more quickly.

  1. WiseOwlFinance has partnered with CardRatings for our coverage of credit card products. WiseOwlFinance and CardRatings may receive a commission from card issuers. ↩︎