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15 Best Balance Transfer Cards with 0% intro APR of May 2024

Updated May 10, 2024

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A balance transfer credit card can help you manage and eliminate debt with introductory APR offers that provide a temporary break from interest charges. The best balance transfer credit cards available from our partners have introductory 0 percent APR offers lasting 15 to 21 months, allowing you to avoid paying interest on a transfer until mid-2025.

Read on to learn more about our picks for the best balance transfer cards of May 2024.

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Is the Wells Fargo Reflect card worth it?<\/a><br><br><strong>Alternatives:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//chase-freedom-unlimited///">Chase Freedom Unlimited\u00ae<\/a> card is ideal for anyone who wants to forego a longer introductory APR period on balance transfers in exchange for cash back rewards.<\/div>","pros_and_cons_header":"Editor's take","pros":["The same lengthy introductory APR applies to purchases and qualified balance transfers.","You can get up to $600 in cell phone protection against damage or theft (subject to a $25 deductible) if you use the card to pay your monthly phone bill."],"cons":["The card comes with a 3 percent foreign transaction fee, which is standard, but adds to your balance if you use the card abroad.","The card has limited long-term value due to its lack of a rewards program."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":50,"name":"Wells Fargo rewards","active_rate":{"id":51,"label":"2023","active":1,"unit_value":"0.01000"}},"tags":[]})" x-show="selectedCategory === 'balance-transfer' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >
Info
Best for balance transfer beginners
Rating: 4.3 stars out of 5
4.3
Info
Apply now Lock
on Wells Fargo's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
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Balance transfer intro APR

Regular APR

N/A

Rewards rate

Info

Annual fee

Is the Amex Blue Cash Everyday worth it?<\/a><br><br><strong>Alternatives:<\/strong> If you want even more flexibility when it comes to earning in your biggest spending categories, the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//bank-of-america-cash-rewards-credit-card///">Bank of America Customized Cash Rewards credit card<\/a> is an alternative to consider.<\/div>","pros_and_cons_header":"Editor's take","pros":["You\u2019ll get competitive rewards rates in some of the most popular categories \u2014 all for no annual fee.","This card adds boosted rewards for online shopping with U.S. retailers, an uncommon cash back category."],"cons":["Stores like Target, Walmart and wholesale clubs don\u2019t count as part of the U.S. supermarket bonus category.","The spending requirement to earn the welcome offer is higher than normal."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"5705fd86-50da-4c7f-b57b-83b40752af98","name":"Balance Transfer","type":"tag","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg","value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"08288aab-66cb-4c27-8759-67bb4caefb07","name":"Editor's Pick","type":"tag","image":"7a8ac2d0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"a9517b73-c09d-467a-b5e7-079552895d0b","name":"Free Credit Score","type":"tag","image":"c921b548023dc6f855952e83fcfca848.png","value":null},{"id":"01026a1b-d83a-4d02-99c7-55dd9fe83f5d","name":"Gas","type":"tag","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg","value":null},{"id":"d87d39e2-fea5-40fc-aa9e-6375c17ff8de","name":"Grocery","type":"tag","image":null,"value":null},{"id":"92d8b110-c8fb-4ee5-95d4-1c5ad80a215b","name":"Mobile Pay Ready","type":"tag","image":"c9a039a1830fa29723ae3591721396ec.png","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"29a9ea46-95f9-4d3a-a5d0-7c41fe94c220","name":"Popular","type":"tag","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"e3fc60c2-9da6-4962-a27d-e7d9488cbe18","name":"Presale Tickets","type":"tag","image":"bb284692903330764acc7c1350a85a42.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"217f7b22-d808-447a-a401-743919cb8bc1","name":"Unsecured credit card","type":"tag","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"586170e7-c9a9-4720-9961-acfa39d119c3","name":"Zero Fraud Liability","type":"tag","image":"7f303633e8c906a4a36c040425d50a31.png","value":null}]})" x-show="selectedCategory === 'balance-transfer' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >
Info
BEST FOR EVERYDAY SPENDING
Rating: 4.6 stars out of 5
4.6
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
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Recommended Credit
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Balance transfer intro APR

APR

1% - 3%

Rewards rate

Info

Annual fee

Bank of America\u00ae Customized Cash Rewards credit card<\/a>\u2019s balance transfer offer is not as impressive as the Discover It\u00ae Chrome card\u2019s, but the card boasts a wider mix of bonus categories, so it may offer better long-term value. You\u2019ll enjoy bonus cash back in one eligible category of your choice (with options including gas, dining and more) as well as year-round bonus cash back at grocery stores and wholesale clubs.<\/div>","pros_and_cons_header":"Editor's take","pros":["It carries limited fees and forgiving terms, including a low balance transfer fee and no late fee the first time you pay late (up to $41 afterward). This makes it a good option if you\u2019re doing your first balance transfer.","Its intro APR period for balance transfers is longer than the period you\u2019ll find on most competing cash back cards with an intro APR offer."],"cons":["Its cash back rate, while decent, isn\u2019t the most impressive you can find, even on other cards that offer intro APRs.","Unlike many competing cards, this card carries a much shorter intro APR offer on purchases than on balance transfers, so it\u2019s less useful for financing new purchases."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":48,"name":"Discover miles","active_rate":{"id":49,"label":"2023","active":1,"unit_value":"0.01000"}},"tags":[{"id":"5705fd86-50da-4c7f-b57b-83b40752af98","name":"Balance Transfer","type":"tag","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg","value":null},{"id":"01026a1b-d83a-4d02-99c7-55dd9fe83f5d","name":"Gas","type":"tag","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg","value":null},{"id":"c626562a-8a8e-40ba-ad4a-4100ab24002d","name":"Travel","type":"tag","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'balance-transfer' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
BEST FOR LOW FEES
Rating: 4 stars out of 5
4.0
Info
Apply now Lock
on Discover's secure site
Good to Excellent (670 – 850)
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Recommended Credit

Balance transfer intro APR

Regular APR

1% - 2%

Rewards rate

Info

Annual fee

Is the Citi Double Cash worth it?<\/a><br><br><strong>Alternatives:<\/strong> The Double Cash currently doesn\u2019t offer an introductory APR offer on new purchases, so shoppers looking for a temporary break from interest on purchases along with balance transfers may find the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//u-s-bank-visa-platinum-card///">U.S. Bank Visa\u00ae Platinum Card<\/a> to be a better fit.<\/div>","pros_and_cons_header":"Editor's take","pros":["The potential cash back rate on this card is one of the highest for a flat-rate cash back card.","The structure of this card\u2019s rewards program encourages responsible credit use, which could help your credit score."],"cons":["The intro APR on this card only applies to balance transfers, not new purchases.","The required spend to earn the welcome offer is steep compared to other available options."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":47,"name":"Citi ThankYou Points (all other cards)","active_rate":{"id":48,"label":"2023","active":1,"unit_value":"0.01000"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"5705fd86-50da-4c7f-b57b-83b40752af98","name":"Balance Transfer","type":"tag","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg","value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"23a4c35d-7528-4051-b373-fd0d352ed37e","name":"Dining","type":"tag","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg","value":null},{"id":"08288aab-66cb-4c27-8759-67bb4caefb07","name":"Editor's Pick","type":"tag","image":"7a8ac2d0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"6c59e82e-fb1b-4aca-8d5b-eef479e37f90","name":"Fair Credit","type":"tag","image":"39cbbfb0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"01026a1b-d83a-4d02-99c7-55dd9fe83f5d","name":"Gas","type":"tag","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"8e7a96a9-4b0a-4933-9068-15eaaf9cf8ec","name":"Personal","type":"tag","image":null,"value":null},{"id":"29a9ea46-95f9-4d3a-a5d0-7c41fe94c220","name":"Popular","type":"tag","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"e3fc60c2-9da6-4962-a27d-e7d9488cbe18","name":"Presale Tickets","type":"tag","image":"bb284692903330764acc7c1350a85a42.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"c626562a-8a8e-40ba-ad4a-4100ab24002d","name":"Travel","type":"tag","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'balance-transfer' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >
Info
Best for good credit
Rating: 4.2 stars out of 5
4.2
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Apply now Lock
on Citi's secure site
Good to Excellent (670 – 850)
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Recommended Credit
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Balance transfer intro APR

Regular APR

1% - 5%

Rewards rate

Info

Annual fee

Wells Fargo Active Cash benefits guide<\/a><br><br><strong>Alternatives:<\/strong> For people who want one of the longest offers available, the Wells Fargo Reflect Card would provide a <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//wells-fargo-reflect-vs-wells-fargo-active-cash///">longer intro APR than the Active Cash<\/a> on purchases and qualifying balance transfers.<\/div>","pros_and_cons_header":"Editor's take","pros":["You can earn 2 percent unlimited cash rewards on purchases with this card, a high rate compared to most balance transfer cards.","There\u2019s no annual fee that will offset your earned cash rewards."],"cons":["Much more competitive intro APR offers are available with other cards.","If you don\u2019t transfer your balance within 120 days you could miss out on the benefits of the intro APR offer."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[]})" x-show="selectedCategory === 'balance-transfer' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >
Info
Best for 2 percent cash rewards
Rating: 4.3 stars out of 5
4.3
Info
Apply now Lock
on Wells Fargo's secure site
Good to Excellent (670 – 850)
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Recommended Credit
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Balance transfer intro APR

Regular APR

2%

Rewards rate

Info

Annual fee

Bank of America Travel Rewards credit card benefits guide<\/a><br><br><strong>Alternatives:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//capital-one-ventureone-rewards-credit-card///">Capital One VentureOne Rewards Credit Card<\/a> is another low-hassle travel card with a noteworthy intro APR offer. It also skips the annual fee while allowing you to use everyday expenses to earn toward travel <em>(<\/em><a href=https://www.bankrate.com/"https:////d25970n8puso9u.cloudfront.net//disclosure.27153.en-US.pdf/">See Rates &amp; Fees<\/em><\/a><em>)<\/em>.&nbsp;<\/div><div><br>&nbsp;<\/div>","pros_and_cons_header":"Editor's take","pros":["The intro APR offer also includes purchases, making it an effective tool for financing a larger expense.","You can boost your rewards rate by 25 percent to 75 percent as a Bank of America Preferred Rewards member."],"cons":["Bank of America doesn\u2019t have any travel partners, so you can\u2019t transfer points for more value.","Its cardholder perks and benefits are sparse compared to other travel cards."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":40,"name":"Bank of America Travel Rewards","active_rate":{"id":41,"label":"2023","active":1,"unit_value":"0.01000"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"07815698-c8da-4f40-8736-81d0c76fa353","name":"Airline","type":"tag","image":"c4f0c810-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"23a4c35d-7528-4051-b373-fd0d352ed37e","name":"Dining","type":"tag","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"8c8699fd-249c-40b4-8392-2d498e581540","name":"FICO Score","type":"tag","image":"3c51fb9d53203e43288b4d33bc8ffb99.png","value":null},{"id":"8ac0aaae-3b07-47b8-9ea2-9947cfa47fdf","name":"Flat Rate Rewards","type":"tag","image":null,"value":null},{"id":"c87194e5-dc35-490b-843f-cf5e05e83ac6","name":"Hotel","type":"tag","image":"bd6727b0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"45b84c8f-0754-4102-82c6-458d5707196d","name":"Low Interest","type":"tag","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"92d8b110-c8fb-4ee5-95d4-1c5ad80a215b","name":"Mobile Pay Ready","type":"tag","image":"c9a039a1830fa29723ae3591721396ec.png","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"8e7a96a9-4b0a-4933-9068-15eaaf9cf8ec","name":"Personal","type":"tag","image":null,"value":null},{"id":"b17b1bcc-ec4b-4a1c-a85f-2dbd94992429","name":"Points","type":"tag","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"c626562a-8a8e-40ba-ad4a-4100ab24002d","name":"Travel","type":"tag","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"217f7b22-d808-447a-a401-743919cb8bc1","name":"Unsecured credit card","type":"tag","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"0e80c37a-09c1-44c8-8d2f-bff14a2dc81a","name":"Visa","type":"tag","image":"aef17b2f1dfc88c2fe6534963ae586cd.png","value":null},{"id":"586170e7-c9a9-4720-9961-acfa39d119c3","name":"Zero Fraud Liability","type":"tag","image":"7f303633e8c906a4a36c040425d50a31.png","value":null}]})" x-show="selectedCategory === 'balance-transfer' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
Best travel and balance transfer card
Rating: 4.1 stars out of 5
4.1
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Apply now Lock
on Bank of America's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Balance transfer intro APR

Regular APR

1.5X

Rewards rate

Info

Annual fee

Is the Amex Blue Cash Preferred worth it?<\/a><br><br><strong>Alternatives:<\/strong> If you\u2019re a fan of what the Blue Cash Preferred has to offer, but want to skip the annual fee, the Amex Blue Cash Everyday is a great no-annual-fee alternative.&nbsp;<\/div>","pros_and_cons_header":"Editor's take","pros":["The ongoing annual fee after the first year is easy to offset with cash back and annual credits.","It offers competitive cash back rates on gas and transit purchases, which don\u2019t have a spending cap."],"cons":["Not ideal for spending abroad due to its 2.7 percent foreign transaction fee.","The annual spending cap on U.S. supermarkets could limit its earning potential."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"5900eb9d-4173-4f4d-9f32-10d5ca28b196","name":"American Express","type":"tag","image":null,"value":null},{"id":"5705fd86-50da-4c7f-b57b-83b40752af98","name":"Balance Transfer","type":"tag","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg","value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"01026a1b-d83a-4d02-99c7-55dd9fe83f5d","name":"Gas","type":"tag","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'balance-transfer' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >
Info
BEST FOR GROCERIES
Rating: 4.4 stars out of 5
4.4
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
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Recommended Credit
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Balance transfer intro APR

APR

1% - 6%

Rewards rate

Info

Annual fee

Is the Bank of America Customized Cash Rewards credit card worth it?<\/a><br><br><strong>Alternatives:<\/strong> People who just want to take advantage of an introductory APR offer on balance transfers and have less interest in pursuing rewards may want to consider the Citi Diamond Preferred card instead.<\/div>","pros_and_cons_header":"Editor's take","pros":["Bank of America Preferred Rewards members with qualifying account balances can boost this card\u2019s cash back rate.","You can change your highest-earning spending category once a month."],"cons":["There\u2019s a spending cap on your highest-earning cash back categories.","This card isn\u2019t ideal for taking abroad due to its 3 percent foreign transaction fee."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"5705fd86-50da-4c7f-b57b-83b40752af98","name":"Balance Transfer","type":"tag","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg","value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"23a4c35d-7528-4051-b373-fd0d352ed37e","name":"Dining","type":"tag","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"8c8699fd-249c-40b4-8392-2d498e581540","name":"FICO Score","type":"tag","image":"3c51fb9d53203e43288b4d33bc8ffb99.png","value":null},{"id":"01026a1b-d83a-4d02-99c7-55dd9fe83f5d","name":"Gas","type":"tag","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg","value":null},{"id":"d87d39e2-fea5-40fc-aa9e-6375c17ff8de","name":"Grocery","type":"tag","image":null,"value":null},{"id":"92d8b110-c8fb-4ee5-95d4-1c5ad80a215b","name":"Mobile Pay Ready","type":"tag","image":"c9a039a1830fa29723ae3591721396ec.png","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"8e7a96a9-4b0a-4933-9068-15eaaf9cf8ec","name":"Personal","type":"tag","image":null,"value":null},{"id":"29a9ea46-95f9-4d3a-a5d0-7c41fe94c220","name":"Popular","type":"tag","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"d607652e-254f-4c06-892c-861a1c20c2fa","name":"Tiered Rewards","type":"tag","image":null,"value":null},{"id":"c626562a-8a8e-40ba-ad4a-4100ab24002d","name":"Travel","type":"tag","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"217f7b22-d808-447a-a401-743919cb8bc1","name":"Unsecured credit card","type":"tag","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"586170e7-c9a9-4720-9961-acfa39d119c3","name":"Zero Fraud Liability","type":"tag","image":"7f303633e8c906a4a36c040425d50a31.png","value":null}]})" x-show="selectedCategory === 'balance-transfer' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >
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BEST FOR CUSTOMIZABLE REWARDS
Rating: 4.3 stars out of 5
4.3
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Good to Excellent (670 – 850)
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Balance transfer intro APR

Regular APR

1% - 3%

Rewards rate

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Annual fee

Citi Double Cash<\/a>.<\/div>","pros_and_cons_header":"Editor's take","pros":["The ongoing interest rate on this card may be one of the lowest rates you\u2019ll see on many balance transfer credit cards.","This card is light on fees as it doesn\u2019t charge an annual fee or foreign transaction fees."],"cons":["Eligibility for the card is restricted to military personnel, veterans and their families.","The card\u2019s 5 percent balance transfer fee is a bit high and may add a lot to your payoff amount."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":null,"tags":[]})" x-show="selectedCategory === 'balance-transfer' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
Best for low ongoing interest rate
Rating: 3 stars out of 5
3.0
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Good to Excellent (670 – 850)
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Is the Chase Freedom Unlimited worth it?<\/a><br><br><strong>Alternatives:<\/strong> The Freedom Unlimited\u2019s intro APR periods are just a hair short of the offers on other cards and its ongoing APR can be relatively high. If you\u2019re serious about your balance transfer, the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//citi-diamond-preferred-card///">Citi Diamond Preferred Card<\/a> has a longer balance transfer offer and a lower ongoing APR.&nbsp;<\/div>","pros_and_cons_header":"Editor's take","pros":["The intro APR offer also includes new purchases, which can be useful while paying down debts.","It offers bonus cash back rates and 1.5 percent back on general purchases, giving it long-term value after you\u2019ve paid off your balance transfer."],"cons":["Its intro APR for balance transfers is shorter than many other balance transfer credit cards \u2014 people with substantial debt may need longer offers.","Charges a potential indefinite penalty APR if you make a late payment, which can quickly spiral you deeper into debt."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":null,"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"359b3d84-5159-4735-a230-3003f76f4d78","name":"Concierge Service","type":"tag","image":"9a88b402c09f511d28190e3d832d539f.png","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"00bbe7db-3636-476a-ba54-abc0f930f4e2","name":"Extended Warranty Program","type":"tag","image":"9cebe165fee20278a857330672d7df78.png","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"d87d39e2-fea5-40fc-aa9e-6375c17ff8de","name":"Grocery","type":"tag","image":null,"value":null},{"id":"45b84c8f-0754-4102-82c6-458d5707196d","name":"Low Interest","type":"tag","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"92d8b110-c8fb-4ee5-95d4-1c5ad80a215b","name":"Mobile Pay Ready","type":"tag","image":"c9a039a1830fa29723ae3591721396ec.png","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"29a9ea46-95f9-4d3a-a5d0-7c41fe94c220","name":"Popular","type":"tag","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"08393e8c-655e-47b5-b126-43b3810d5643","name":"Purchase Protection","type":"tag","image":"9524b9f2b1d3c84068061b9c0f720bcd.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"d8cff18e-7d0a-4a25-b61e-c3a21ec2dc2d","name":"Travel Accident Insurance","type":"tag","image":"9148b97046b15a99a3744622d7b3b285.png","value":null},{"id":"217f7b22-d808-447a-a401-743919cb8bc1","name":"Unsecured credit card","type":"tag","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"586170e7-c9a9-4720-9961-acfa39d119c3","name":"Zero Fraud Liability","type":"tag","image":"7f303633e8c906a4a36c040425d50a31.png","value":null}]})" x-show="selectedCategory === 'balance-transfer' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
Best for dining and drugstores
Rating: 4.8 stars out of 5
4.8
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Good to Excellent (670 – 850)
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Balance transfer intro APR

Regular APR

1.5% - 5%

Rewards rate

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Citi Simplicity\u00ae Card<\/a> has a longer intro APR offer and is just as forgiving with fees \u2014 it charges no late fee, no annual fee and no returned payment fee.<\/div><div><br>&nbsp;<\/div>","pros_and_cons_header":"Editor's take","pros":["The late fee refund terms can be helpful in a tight spot while paying off debt.","Its balance transfer intro offer period is longer than some other cards\u2019 offers."],"cons":["This card is only available to residents in 15 states and Washington, D.C.","It doesn\u2019t earn rewards, which reduces its long-term value."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":"Only Available in 15 East Coast States and D.C.","limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":null,"tags":[]})" x-show="selectedCategory === 'balance-transfer' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
Only Available in 15 East Coast States and D.C.
Best for late fee refunds
Rating: 4.1 stars out of 5
4.1
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Bank of America Unlimited Cash Rewards credit card<\/a> has a slightly lower cash back rate, but it also has a slightly lower potential ongoing APR. Consider the Bank of America card over the TD Bank if you think you\u2019ll carry a balance.&nbsp;<\/div>","pros_and_cons_header":"Editor's take","pros":["Has a relatively low balance transfer fee compared to other cash back credit cards.","Offers one of the highest cash back rates with no category restrictions or spending caps."],"cons":["This card is only available to residents in 15 states and Washington, D.C.","The welcome offer has a high spending requirement compared to similar cards."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":"Only Available in 15 East Coast States and D.C.","limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":2,"review_category":null,"whyLikeThis":null},"program":null,"tags":[]})" x-show="selectedCategory === 'balance-transfer' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
Only Available in 15 East Coast States and D.C.
Best cash back card with low balance transfer fee
Rating: 4 stars out of 5
4.0
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2% Cash Back

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Is the Citi Custom Cash worth it?<\/a><br><br><strong>Alternatives:<\/strong> People concerned about paying a high go-to APR may be interested in the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//bankamericard-credit-card///">BankAmericard/u00ae credit card<\/a>.&nbsp;<\/div>","pros_and_cons_header":"Editor's take","pros":["The same intro APR offer applies to both purchases and balance transfers.","This card\u2019s 10 eligible bonus categories include plenty of everyday purchases."],"cons":["It has a spending cap on your high-earning category, which can be easy to exceed.","The intro APR offers on this card are shorter than what you\u2019d find with other balance transfer cards available."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"5705fd86-50da-4c7f-b57b-83b40752af98","name":"Balance Transfer","type":"tag","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg","value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"23a4c35d-7528-4051-b373-fd0d352ed37e","name":"Dining","type":"tag","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"6c59e82e-fb1b-4aca-8d5b-eef479e37f90","name":"Fair Credit","type":"tag","image":"39cbbfb0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"01026a1b-d83a-4d02-99c7-55dd9fe83f5d","name":"Gas","type":"tag","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"45b84c8f-0754-4102-82c6-458d5707196d","name":"Low Interest","type":"tag","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"c626562a-8a8e-40ba-ad4a-4100ab24002d","name":"Travel","type":"tag","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'balance-transfer' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >
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Best for automatic bonus category
Rating: 4.4 stars out of 5
4.4
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Good to Excellent (670 – 850)
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Balance transfer intro APR

Regular APR

1% - 5%

Rewards rate

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Annual fee

Bank of America Customized Cash Rewards credit card<\/a> has more category choices and automatically earns boosted cash back at grocery stores and wholesale clubs.<\/div>","pros_and_cons_header":"Editor's take","pros":["It has a relatively low balance transfer fee \u2014 many cards charge 5 percent, but this card charges 3 percent or $5 (whichever is greater).","Its boosted cash back categories don\u2019t have a spending cap."],"cons":["This card is only available to residents in 15 states and Washington, D.C.","Wholesale clubs and superstores aren\u2019t included in the grocery store category."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":"Only Available in 15 East Coast States and D.C.","limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":2,"review_category":null,"whyLikeThis":null},"program":null,"tags":[]})" x-show="selectedCategory === 'balance-transfer' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
Only Available in 15 East Coast States and D.C.
Best for unlimited 2 percent and 3 percent cash back categories
Rating: 4 stars out of 5
4.0
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Earn 1% Cash Back - Earn 3% and 2% Cash Back

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Bank of America Unlimited Cash Rewards benefits guide<\/a><br><br><strong>Alternatives:<\/strong> Cash back maximizers who don\u2019t use Bank of America and don\u2019t mind keeping track of a few bonus categories to earn a higher rewards rate while paying down a balance may find more value with the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//discover-it///">Discover it\u00ae Cash Back<\/a>.<\/div>","pros_and_cons_header":"Editor's take","pros":["The rewards you earn with this card never expire as long as your account remains open and there\u2019s no minimum amount that you need to redeem for direct deposits or statement credits.","This card doesn\u2019t charge an annual fee, saving some money for cardholders."],"cons":["This card charges a foreign transaction fee on purchases made outside of the U.S.","You\u2019ll need to maintain relatively high balances across your Bank of America accounts to qualify for the Bank of America Preferred Rewards\u00ae program (at least $20,000 minimum)."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_balanceTransfer","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"8ac0aaae-3b07-47b8-9ea2-9947cfa47fdf","name":"Flat Rate Rewards","type":"tag","image":null,"value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"8e7a96a9-4b0a-4933-9068-15eaaf9cf8ec","name":"Personal","type":"tag","image":null,"value":null}]})" x-show="selectedCategory === 'balance-transfer' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >
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Best for unlimited 1.5 percent cash back
Rating: 3.8 stars out of 5
3.8
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Good to Excellent (670 – 850)
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1.5%

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