Best Balance Transfer Credit Cards Of 2021

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.categories-wrapper .sub-menu-dropdown{display:none;width:calc(100% - 135px);height:calc(100vh - 96px);box-shadow:-5px 0 4px 0 rgba(0,0,0,.05)}#custom-header-wrapper .categories-wrapper #regionSelector{display:none}#custom-header-wrapper #regionSelector .rs-dropdown{width:100px;top:45px;right:0}@media (min-width:375px){#custom-header-wrapper #regionSelector .rs-dropdown{right:-15px}}#custom-header-wrapper #regionSelector .rs-dropdown .level1{border-radius:3px;box-shadow:0 4px 4px 0 rgba(0,0,0,.25)}@media (min-width:1025px){#custom-header-wrapper #regionSelector:hover .rs-dropdown{display:block}}#custom-header-wrapper #regionSelector.chevron-wrapper:after,#custom-header-wrapper #regionSelector.chevron-wrapper:before{right:10px}@media (min-width:768px){#custom-header-wrapper #subnavBar .categories-wrapper{top:0;height:100%;border:none;width:auto;display:block}#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab{width:auto}#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab>span{padding:0}}@media (min-width:768px) and (min-width:1200px){#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab:hover .sub-menu-dropdown{display:block!important}}@media (min-width:768px){#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab.active .sub-menu-dropdown{display:block!important}#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab.active .chevron-wrapper:after,#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab.active .chevron-wrapper:before{margin-top:-12px}#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab.active .chevron-wrapper:before{transform:rotate(-135deg)}#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab.active .chevron-wrapper:after{transform:rotate(135deg)}}@media (min-width:768px){#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab.active{@apply text-gray-500}}@media (min-width:768px){#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab:last-of-type{display:flex}}@media (min-width:768px){#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab .chevron-wrapper:after,#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab .chevron-wrapper:before{content:""}}@media (min-width:768px){#custom-header-wrapper #subnavBar .categories-wrapper .sub-menu-dropdown{width:300px;height:auto;top:50px;right:5px;display:none!important}#custom-header-wrapper #subnavBar .categories-wrapper .sub-menu-dropdown .level1{border-radius:3px;box-shadow:0 4px 4px 0 rgba(0,0,0,.25)}}@media (min-width:768px){#custom-header-wrapper #subnavBar .categories-wrapper #regionSelector{display:flex}}@media (min-width:768px){#custom-header-wrapper #regionSelector .rs-dropdown{top:50px;right:0}}#custom-header-wrapper .mobile-ui .sub-menu-dropdown .level1{height:70vh}#custom-header-wrapper .rotate-180{transform:rotate(180deg)}#custom-header-wrapper .mobile-region-selector-wrap *{box-sizing:border-box}#custom-header-wrapper .logged-in{margin-top:-32px}@media only screen and (max-width:782px){#custom-header-wrapper .logged-in{margin-top:-46px}}#custom-header-wrapper .header-us{background-color:#181716;color:#fcfcfc;width:100%;z-index:999;position:fixed;top:0;left:0;right:0;transition:transform .8s ease-in-out}#custom-header-wrapper .header__container{max-width:1600px;margin:0 auto;display:flex;align-items:center}#custom-header-wrapper .header__logo{height:100%;display:flex;align-items:center}#custom-header-wrapper .header__logo svg{fill:#fff;margin-top:5px}#custom-header-wrapper .header__nav{color:#f4f4f4;display:block;height:100%}#custom-header-wrapper .header__nav .menu{display:flex;font-size:13px;height:100%;width:100%;justify-content:center;align-items:center;line-height:14.95px}#custom-header-wrapper .header__nav .menu>li.menu-item{padding:0 24px;height:100%;display:flex;align-items:center}#custom-header-wrapper .header__nav .menu>li.menu-item:first-of-type{padding-left:0}#custom-header-wrapper .header__nav .menu .menu-item a{color:#fcfcfc;font-weight:400;font-family:Work Sans,Arial,Helvetica,sans-serif}#custom-header-wrapper .header__nav .sub-menu-wrap{background-color:#212424;box-shadow:0 0 14px 0 rgba(0,0,0,.2);top:56px;width:100vw;padding:16px 18px 32px 0;left:0;visibility:hidden;z-index:8888}#custom-header-wrapper .header__nav .sub-menu-wrap:before{content:"";display:block;height:2px;width:0;position:absolute;left:0;top:-2px;transition:width .1s ease-in-out}#custom-header-wrapper .header__nav .sub-menu{display:flex;flex-wrap:wrap;font-size:13px;margin:0 auto;max-width:1012px}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item{line-height:14px;height:auto;padding:16px 0 0;width:30%;margin-right:1.5%}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child{display:none}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child a{padding-right:25px;background:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='%23fff' height='12' width='20' viewBox='0 0 20 20'%3E%3Cpath d='M16.928 12h-16v-2h16z'/%3E%3Cpath d='M18.493 11.044l-5.657 5.657-1.414-1.414 5.656-5.657z'/%3E%3Cpath d='M17.078 12.372L11.42 6.715 12.835 5.3l5.657 5.657z'/%3E%3C/svg%3E") 100% no-repeat;font-weight:600}#custom-header-wrapper .header__nav .menu .menu-item:not(.hideSubMenu):hover .sub-menu-wrap{visibility:visible}#custom-header-wrapper .header__nav .menu .menu-item:hover .sub-menu-wrap:before{width:100%}#custom-header-wrapper .amp-ui .header__search{display:none}#custom-header-wrapper .header__search,#custom-header-wrapper .header__share{display:flex;align-items:center;height:100%;width:20px;cursor:pointer;margin:-2px 16px 0 auto}#custom-header-wrapper .header__search span,#custom-header-wrapper .header__share span{display:inline-block;height:22px}#custom-header-wrapper .header__search svg,#custom-header-wrapper .header__share svg{width:20px;fill:#fff;color:#fff;height:20px}#custom-header-wrapper .header__share svg{fill:transparent}#custom-header-wrapper .header__indicator{width:100%;position:absolute;bottom:0;left:0;height:2px;background-color:#ffcfa4}#custom-header-wrapper .header__nav .menu .legal-links{display:none}#custom-header-wrapper header li.current-menu-item a{color:#ff891f}#custom-header-wrapper .menu-toggle .close{display:none}#custom-header-wrapper .menu-toggle.on .close{display:block}#custom-header-wrapper .header__nav,#custom-header-wrapper .header__search,#custom-header-wrapper .menu-toggle.on .open{display:none}#custom-header-wrapper .share-modal{display:none;position:fixed;height:100%;width:100%;z-index:99999;top:0}#custom-header-wrapper .share-modal-overlay{display:none;background:#000;z-index:9999;opacity:.8;top:0;position:fixed;height:100%;width:100%}#custom-header-wrapper .share-modal--open{display:block}#custom-header-wrapper .share-text{color:#fff;margin:12px 0 20px;padding-left:32px;text-transform:uppercase;font-size:18px}#custom-header-wrapper .menu-toggle{display:block;overflow:hidden;cursor:pointer;position:absolute;left:0;top:0;padding:13px 0;margin-left:23px}#custom-header-wrapper .menu-toggle .menu-toggle-wrap{fill:#fff;width:20px;height:24px}#custom-header-wrapper .header-us{height:50px}@media only screen and (max-width:1600px){#custom-header-wrapper .header__nav .menu>li.menu-item{padding:0 20px}#custom-header-wrapper .header__nav .sub-menu{max-width:930px}}@media only screen and (max-width:1400px){#custom-header-wrapper .header__nav .menu>li.menu-item{padding:0 16px}}@media only screen and (max-width:1280px){#custom-header-wrapper .header__nav .menu>li.menu-item{padding:0 8px}#custom-header-wrapper .header__nav .sub-menu{max-width:692px}}#custom-header-wrapper .header__container{height:50px}#custom-header-wrapper .header__search,#custom-header-wrapper .header__share{margin-top:-5px}#custom-header-wrapper .site-wrapper.sticky{padding-top:48px}#custom-header-wrapper .header__nav{position:absolute;display:none;left:0;top:48px;height:90vh;z-index:9999;background-color:#181716}#custom-header-wrapper .header__nav.active{display:block}#custom-header-wrapper .header__nav .menu{flex-direction:column;align-items:flex-start;justify-content:space-between;height:auto}#custom-header-wrapper .header__nav .menu>li.menu-item{width:100%;padding:9px 25px;overflow:hidden;min-height:40px}#custom-header-wrapper .header__nav .menu>li.menu-item:first-of-type,#custom-header-wrapper .header__nav .menu>li.menu-item:last-of-type{padding:9px 25px}#custom-header-wrapper .header__nav .menu>li.menu-item>a{font-size:18px;height:100%;line-height:1.15}#custom-header-wrapper .header__nav .menu>li.menu-item.active a{color:inherit}#custom-header-wrapper .header__nav .menu>li.menu-item.active{border-left:4px solid}#custom-header-wrapper .header__nav .menu>li.menu-item .header-divider{display:none;position:absolute;top:10px;left:31%;width:2px;height:calc(100% - 35px);color:#cdc1b2;border:none;box-shadow:inset -1px 0 0 0 #333;transition:none;z-index:1}#custom-header-wrapper .header__nav .menu>li.menu-item.active .header-divider{display:block;z-index:2}#custom-header-wrapper .header__nav .sub-menu-wrap{position:absolute;top:10px;right:0;left:auto;width:69%;height:85vh;padding:0 0 0 25px;font-size:13px;color:#fcfcfc;background-color:#181716;z-index:1;box-shadow:none}#custom-header-wrapper .header__nav .menu>li.menu-item.active .sub-menu-wrap{visibility:visible}#custom-header-wrapper .header__nav .menu .menu-item:hover .sub-menu-wrap{visibility:hidden}#custom-header-wrapper .header__nav .sub-menu-wrap:before{display:none}#custom-header-wrapper .header__nav .sub-menu{flex-direction:column;height:100%;width:100%}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item{width:auto;height:40px;display:inline-block;flex-shrink:0;padding:0;margin-right:0}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child{display:block;padding-top:1px}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child a{padding:3px 24px 0 0}#custom-header-wrapper .header__indicator{display:none}#custom-header-wrapper .header__nav .menu .legal-links{display:block;font-size:13px;padding:10px 25px}#custom-header-wrapper .header__nav .menu .legal-link{font-family:Work Sans,sans-serif;font-size:10px;line-height:12px;color:#fcfcfc;padding-bottom:10px}#custom-header-wrapper .header__nav .menu .legal-link a{color:#fcfcfc;font-family:Work Sans,sans-serif}@media only screen and (max-width:768px){#custom-header-wrapper .header__nav{height:100vh;height:calc(var(--vh, 1vh)*100)}#custom-header-wrapper .header__nav .sub-menu-wrap{top:11px;height:100vh;height:calc(var(--vh, 1vh)*100);padding:0 32px;width:50%}#custom-header-wrapper .header__nav .menu>li.menu-item .header-divider{left:50%;top:11px}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item{font-weight:600;height:auto;padding:10px 0}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child{padding-top:0}}@media only screen and (max-width:767px){#custom-header-wrapper .menu-toggle{margin-left:20px}#custom-header-wrapper .header__logo svg{width:auto}}@media only screen and (max-width:480px){#custom-header-wrapper .header__container{height:50px}#custom-header-wrapper .header__logo{margin-top:-5px}#custom-header-wrapper .header__indicator{display:block;height:1px;opacity:.15;z-index:9999}#custom-header-wrapper .header__search,#custom-header-wrapper .header__share{margin-top:-3px}#custom-header-wrapper .header__nav.active{position:fixed}#custom-header-wrapper .header__nav .menu{height:100vh;height:calc(var(--vh, 1vh)*100);overflow-y:scroll;display:block}#custom-header-wrapper .header__nav .menu>li.menu-item{height:auto;flex-direction:column;align-items:flex-start;padding:0;border-left:none!important;min-height:38px}#custom-header-wrapper .header__nav .menu>li.menu-item:first-of-type,#custom-header-wrapper .header__nav .menu>li.menu-item:last-of-type{padding:0}#custom-header-wrapper .header__nav .menu>li.menu-item.active .header-divider{display:none}#custom-header-wrapper .header__nav .sub-menu-wrap{width:calc(100% + 50px);height:auto;position:relative;display:none;right:unset;left:0;top:0;padding:25px;margin-top:20px;border-left:4px solid;background-color:#212424}#custom-header-wrapper .header__nav .sub-menu .menu-item{display:block;padding:10px 0;height:auto}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child{padding-top:1px}#custom-header-wrapper .header__nav .menu>li.menu-item:last-of-type{margin-bottom:10px}#custom-header-wrapper .header__nav .menu>li.menu-item.active .sub-menu-wrap{display:block}#custom-header-wrapper .header__nav .menu>li.menu-item>a{font-size:16px;display:block;padding:10px 25px 0;width:100%}#custom-header-wrapper .header__nav .menu .legal-links{margin-bottom:150px}}@media only screen and (max-width:374px){#custom-header-wrapper #subnavBar .sub-menu-wrap{padding-left:4px;padding-right:4px}#custom-header-wrapper .sub-menu-item{padding-right:8px}}#custom-header-wrapper .header__nav{width:100%;background:#222424;height:100vh;height:calc(var(--vh, 1vh)*100)}@media (min-width:1065px){#custom-header-wrapper .header__nav{width:251px;left:-251px;transition:all .5s}}@media (min-width:1065px){#custom-header-wrapper .header__nav.active{left:0}}#custom-header-wrapper .header__nav .bottom-menu{font-family:EuclidCircularB,serif,arial;font-weight:700;bottom:50px;font-size:12px;background:#222424;position:absolute;width:100%;padding:0 30px}@media screen and (min-width:768px){#custom-header-wrapper .header__nav .bottom-menu{bottom:40px}}#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu{margin:22px 0 32px;color:#7d7d7d;display:flex;width:100%;align-items:center;cursor:pointer}@media screen and (min-width:768px){#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu{margin:40px 0}}#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu:hover{text-decoration:underline}#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu a{margin-left:20px}#custom-header-wrapper .header__nav .wp-menu{max-height:calc(100vh - 150px);max-height:calc(var(--vh, 1vh)*100 - 150px);overflow:scroll;-ms-overflow-style:none;scrollbar-width:none}#custom-header-wrapper .header__nav .wp-menu::-webkit-scrollbar{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .main-menu-wrap{border-left:3px solid #222424}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:first-child{border-top:2px solid #222424}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:hover{background-color:#181716}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:hover .main-menu-wrap{border-left:3px solid #bfc8fb;color:#bfc8fb}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:hover .sub-menu-wrap{visibility:visible}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item>a{padding:30px 40px;display:block}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item>a{padding:18px 46px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .main-menu-wrap{font-family:EuclidCircularB,serif,arial;font-weight:400;font-size:16px;line-height:24px}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .main-menu-wrap{padding:12px 16px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap::-webkit-scrollbar,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu::-webkit-scrollbar{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{-ms-overflow-style:none;scrollbar-width:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{height:100vh;height:calc(var(--vh, 1vh)*100);overflow:auto;padding:0;position:absolute;transition:all .5s;display:block;left:100%;border:none;visibility:visible;margin:0;background-color:#222424;max-height:calc(100vh - 148px);max-height:calc(var(--vh, 1vh)*100 - 148px)}@media (min-width:500px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{max-height:calc(100vh - 150px);max-height:calc(var(--vh, 1vh)*100 - 150px)}}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{width:320px;right:-320px;top:0;border-left:1px solid #7f7f7f;visibility:hidden;transition:none;max-height:calc(100vh - 48px);max-height:calc(var(--vh, 1vh)*100 - 48px)}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap.mobile-active{left:0;right:0;width:100%;display:block;border-left:none;top:0}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn{display:block;font-family:EuclidCircularB,serif,arial;font-size:16px;font-weight:700;padding:35px 31px 10px;color:#626262;display:flex;align-items:center}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn{display:none}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn .back-arrow{margin-right:20px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu{display:block;max-width:none;max-height:calc(100% - 70px);overflow:auto}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu{max-height:none}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title{padding:26px 45px 26px 32px;font-family:EuclidCircularB,serif,arial;font-size:16px;font-weight:700;background:#222424;color:#bfc8fb;display:flex;align-items:center;cursor:pointer;position:relative}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title{padding:30px 45px 30px 30px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title a{display:block}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-title:after{border:solid #bfc8fb;border-width:0 3px 3px 0;display:inline-block;padding:3px;transform:rotate(45deg);-webkit-transform:rotate(45deg);margin-left:auto;content:"";position:absolute;right:35px;top:30px}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-title:after{top:35px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper.active .accordian-title:after{transform:rotate(-135deg);-webkit-transform:rotate(-135deg);top:37px}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper.active .accordian-title:after{top:40px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu a{padding:24px 32px;font-family:EuclidCircularB,serif,arial;font-size:15px;font-weight:400;background:#181716;display:block}#custom-header-wrapper .region-selector-mobile{background-color:rgba(0,0,0,.4);z-index:999999;top:0}#custom-header-wrapper .region-selector-mobile .mobile-region-selector-wrap{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);border-radius:5px}#custom-header-wrapper .region-selector-mobile 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*{outline:none}.site-wrapper.sticky{padding-top:50px!important}.disable-scroll{overflow-y:hidden}</style> <div id="custom-header-wrapper"> <div class="region-selector-mobile fixed z-50 h-screen w-full md-hidden hidden"> <div class="mobile-region-selector-wrap w-full"> <div class="bg-white p-24px mx-20px rounded-5px mob-region-sel-holder"> <div class="text-333333 font-euclidcircularb font-bold pb-12px border-b-1 border-light text-20px"> Select Region </div> <div> <ul> <li class="mt-24px flex items-center curr-region-sel active" data-curr-region="usa"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img data-img-src="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/usa-icon.svg" alt="US" class="w-24px h-16px mr-15px lozad"> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">United States</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel" data-curr-region="uk"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img data-img-src="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/uk-icon.svg" alt="UK" class="w-24px h-16px mr-15px lozad"> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">United Kingdom</span> </div> </li> </ul> </div> </div> </div> </div> <header class="header-us sticky"> <div class="pos-r relative"> <div class="header__container"> <div class="menu-toggle" id="site-menu-toggle"> <div class="menu-toggle-wrap"> <svg class="open" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 20 20"><path d="M2 5.5h16v2H2zM2 9.5h16v2H2zM2 13.5h16v2H2z"></path></svg> <svg class="close" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 20 20"><path transform="rotate(45.001 10 10)" d="M2 9h16v2H2z"></path><path transform="rotate(134.999 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]?(C800|C900|E400|E610|E900|E-900|F160|F180K|F180L|F180S|730|855|L160|LS740|LS840|LS970|LU6200|MS690|MS695|MS770|MS840|MS870|MS910|P500|P700|P705|VM696|AS680|AS695|AX840|C729|E970|GS505|272|C395|E739BK|E960|L55C|L75C|LS696|LS860|P769BK|P350|P500|P509|P870|UN272|US730|VS840|VS950|LN272|LN510|LS670|LS855|LW690|MN270|MN510|P509|P769|P930|UN200|UN270|UN510|UN610|US670|US740|US760|UX265|UX840|VN271|VN530|VS660|VS700|VS740|VS750|VS910|VS920|VS930|VX9200|VX11000|AX840A|LW770|P506|P925|P999|E612|D955|D802|MS323|M257)|LM-G710",Sony:"SonyST|SonyLT|SonyEricsson|SonyEricssonLT15iv|LT18i|E10i|LT28h|LT26w|SonyEricssonMT27i|C5303|C6902|C6903|C6906|C6943|D2533",Asus:"Asus.*Galaxy|PadFone.*Mobile",NokiaLumia:"Lumia [0-9]{3,4}",Micromax:"Micromax.*\\b(A210|A92|A88|A72|A111|A110Q|A115|A116|A110|A90S|A26|A51|A35|A54|A25|A27|A89|A68|A65|A57|A90)\\b",Palm:"PalmSource|Palm",Vertu:"Vertu|Vertu.*Ltd|Vertu.*Ascent|Vertu.*Ayxta|Vertu.*Constellation(F|Quest)?|Vertu.*Monika|Vertu.*Signature",Pantech:"PANTECH|IM-A850S|IM-A840S|IM-A830L|IM-A830K|IM-A830S|IM-A820L|IM-A810K|IM-A810S|IM-A800S|IM-T100K|IM-A725L|IM-A780L|IM-A775C|IM-A770K|IM-A760S|IM-A750K|IM-A740S|IM-A730S|IM-A720L|IM-A710K|IM-A690L|IM-A690S|IM-A650S|IM-A630K|IM-A600S|VEGA PTL21|PT003|P8010|ADR910L|P6030|P6020|P9070|P4100|P9060|P5000|CDM8992|TXT8045|ADR8995|IS11PT|P2030|P6010|P8000|PT002|IS06|CDM8999|P9050|PT001|TXT8040|P2020|P9020|P2000|P7040|P7000|C790",Fly:"IQ230|IQ444|IQ450|IQ440|IQ442|IQ441|IQ245|IQ256|IQ236|IQ255|IQ235|IQ245|IQ275|IQ240|IQ285|IQ280|IQ270|IQ260|IQ250",Wiko:"KITE 4G|HIGHWAY|GETAWAY|STAIRWAY|DARKSIDE|DARKFULL|DARKNIGHT|DARKMOON|SLIDE|WAX 4G|RAINBOW|BLOOM|SUNSET|GOA(?!nna)|LENNY|BARRY|IGGY|OZZY|CINK FIVE|CINK PEAX|CINK PEAX 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C",SamsungTablet:"SAMSUNG.*Tablet|Galaxy.*Tab|SC-01C|GT-P1000|GT-P1003|GT-P1010|GT-P3105|GT-P6210|GT-P6800|GT-P6810|GT-P7100|GT-P7300|GT-P7310|GT-P7500|GT-P7510|SCH-I800|SCH-I815|SCH-I905|SGH-I957|SGH-I987|SGH-T849|SGH-T859|SGH-T869|SPH-P100|GT-P3100|GT-P3108|GT-P3110|GT-P5100|GT-P5110|GT-P6200|GT-P7320|GT-P7511|GT-N8000|GT-P8510|SGH-I497|SPH-P500|SGH-T779|SCH-I705|SCH-I915|GT-N8013|GT-P3113|GT-P5113|GT-P8110|GT-N8010|GT-N8005|GT-N8020|GT-P1013|GT-P6201|GT-P7501|GT-N5100|GT-N5105|GT-N5110|SHV-E140K|SHV-E140L|SHV-E140S|SHV-E150S|SHV-E230K|SHV-E230L|SHV-E230S|SHW-M180K|SHW-M180L|SHW-M180S|SHW-M180W|SHW-M300W|SHW-M305W|SHW-M380K|SHW-M380S|SHW-M380W|SHW-M430W|SHW-M480K|SHW-M480S|SHW-M480W|SHW-M485W|SHW-M486W|SHW-M500W|GT-I9228|SCH-P739|SCH-I925|GT-I9200|GT-P5200|GT-P5210|GT-P5210X|SM-T311|SM-T310|SM-T310X|SM-T210|SM-T210R|SM-T211|SM-P600|SM-P601|SM-P605|SM-P900|SM-P901|SM-T217|SM-T217A|SM-T217S|SM-P6000|SM-T3100|SGH-I467|XE500|SM-T110|GT-P5220|GT-I9200X|GT-N5110X|GT-N5120|SM-P905|SM-T111|SM-T2105|SM-T315|SM-T320|SM-T320X|SM-T321|SM-T520|SM-T525|SM-T530NU|SM-T230NU|SM-T330NU|SM-T900|XE500T1C|SM-P605V|SM-P905V|SM-T337V|SM-T537V|SM-T707V|SM-T807V|SM-P600X|SM-P900X|SM-T210X|SM-T230|SM-T230X|SM-T325|GT-P7503|SM-T531|SM-T330|SM-T530|SM-T705|SM-T705C|SM-T535|SM-T331|SM-T800|SM-T700|SM-T537|SM-T807|SM-P907A|SM-T337A|SM-T537A|SM-T707A|SM-T807A|SM-T237|SM-T807P|SM-P607T|SM-T217T|SM-T337T|SM-T807T|SM-T116NQ|SM-T116BU|SM-P550|SM-T350|SM-T550|SM-T9000|SM-P9000|SM-T705Y|SM-T805|GT-P3113|SM-T710|SM-T810|SM-T815|SM-T360|SM-T533|SM-T113|SM-T335|SM-T715|SM-T560|SM-T670|SM-T677|SM-T377|SM-T567|SM-T357T|SM-T555|SM-T561|SM-T713|SM-T719|SM-T813|SM-T819|SM-T580|SM-T355Y?|SM-T280|SM-T817A|SM-T820|SM-W700|SM-P580|SM-T587|SM-P350|SM-P555M|SM-P355M|SM-T113NU|SM-T815Y|SM-T585|SM-T285|SM-T825|SM-W708|SM-T835|SM-T830|SM-T837V|SM-T720|SM-T510|SM-T387V",Kindle:"Kindle|Silk.*Accelerated|Android.*\\b(KFOT|KFTT|KFJWI|KFJWA|KFOTE|KFSOWI|KFTHWI|KFTHWA|KFAPWI|KFAPWA|WFJWAE|KFSAWA|KFSAWI|KFASWI|KFARWI|KFFOWI|KFGIWI|KFMEWI)\\b|Android.*Silk/[0-9.]+ like Chrome/[0-9.]+ (?!Mobile)",SurfaceTablet:"Windows NT [0-9.]+; ARM;.*(Tablet|ARMBJS)",HPTablet:"HP Slate (7|8|10)|HP ElitePad 900|hp-tablet|EliteBook.*Touch|HP 8|Slate 21|HP SlateBook 10",AsusTablet:"^.*PadFone((?!Mobile).)*$|Transformer|TF101|TF101G|TF300T|TF300TG|TF300TL|TF700T|TF700KL|TF701T|TF810C|ME171|ME301T|ME302C|ME371MG|ME370T|ME372MG|ME172V|ME173X|ME400C|Slider SL101|\\bK00F\\b|\\bK00C\\b|\\bK00E\\b|\\bK00L\\b|TX201LA|ME176C|ME102A|\\bM80TA\\b|ME372CL|ME560CG|ME372CG|ME302KL| K010 | K011 | K017 | K01E |ME572C|ME103K|ME170C|ME171C|\\bME70C\\b|ME581C|ME581CL|ME8510C|ME181C|P01Y|PO1MA|P01Z|\\bP027\\b|\\bP024\\b|\\bP00C\\b",BlackBerryTablet:"PlayBook|RIM Tablet",HTCtablet:"HTC_Flyer_P512|HTC Flyer|HTC Jetstream|HTC-P715a|HTC EVO View 4G|PG41200|PG09410",MotorolaTablet:"xoom|sholest|MZ615|MZ605|MZ505|MZ601|MZ602|MZ603|MZ604|MZ606|MZ607|MZ608|MZ609|MZ615|MZ616|MZ617",NookTablet:"Android.*Nook|NookColor|nook browser|BNRV200|BNRV200A|BNTV250|BNTV250A|BNTV400|BNTV600|LogicPD Zoom2",AcerTablet:"Android.*; \\b(A100|A101|A110|A200|A210|A211|A500|A501|A510|A511|A700|A701|W500|W500P|W501|W501P|W510|W511|W700|G100|G100W|B1-A71|B1-710|B1-711|A1-810|A1-811|A1-830)\\b|W3-810|\\bA3-A10\\b|\\bA3-A11\\b|\\bA3-A20\\b|\\bA3-A30",ToshibaTablet:"Android.*(AT100|AT105|AT200|AT205|AT270|AT275|AT300|AT305|AT1S5|AT500|AT570|AT700|AT830)|TOSHIBA.*FOLIO",LGTablet:"\\bL-06C|LG-V909|LG-V900|LG-V700|LG-V510|LG-V500|LG-V410|LG-V400|LG-VK810\\b",FujitsuTablet:"Android.*\\b(F-01D|F-02F|F-05E|F-10D|M532|Q572)\\b",PrestigioTablet:"PMP3170B|PMP3270B|PMP3470B|PMP7170B|PMP3370B|PMP3570C|PMP5870C|PMP3670B|PMP5570C|PMP5770D|PMP3970B|PMP3870C|PMP5580C|PMP5880D|PMP5780D|PMP5588C|PMP7280C|PMP7280C3G|PMP7280|PMP7880D|PMP5597D|PMP5597|PMP7100D|PER3464|PER3274|PER3574|PER3884|PER5274|PER5474|PMP5097CPRO|PMP5097|PMP7380D|PMP5297C|PMP5297C_QUAD|PMP812E|PMP812E3G|PMP812F|PMP810E|PMP880TD|PMT3017|PMT3037|PMT3047|PMT3057|PMT7008|PMT5887|PMT5001|PMT5002",LenovoTablet:"Lenovo TAB|Idea(Tab|Pad)( A1|A10| 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7",YarvikTablet:"Android.*\\b(TAB210|TAB211|TAB224|TAB250|TAB260|TAB264|TAB310|TAB360|TAB364|TAB410|TAB411|TAB420|TAB424|TAB450|TAB460|TAB461|TAB464|TAB465|TAB467|TAB468|TAB07-100|TAB07-101|TAB07-150|TAB07-151|TAB07-152|TAB07-200|TAB07-201-3G|TAB07-210|TAB07-211|TAB07-212|TAB07-214|TAB07-220|TAB07-400|TAB07-485|TAB08-150|TAB08-200|TAB08-201-3G|TAB08-201-30|TAB09-100|TAB09-211|TAB09-410|TAB10-150|TAB10-201|TAB10-211|TAB10-400|TAB10-410|TAB13-201|TAB274EUK|TAB275EUK|TAB374EUK|TAB462EUK|TAB474EUK|TAB9-200)\\b",MedionTablet:"Android.*\\bOYO\\b|LIFE.*(P9212|P9514|P9516|S9512)|LIFETAB",ArnovaTablet:"97G4|AN10G2|AN7bG3|AN7fG3|AN8G3|AN8cG3|AN7G3|AN9G3|AN7dG3|AN7dG3ST|AN7dG3ChildPad|AN10bG3|AN10bG3DT|AN9G2",IntensoTablet:"INM8002KP|INM1010FP|INM805ND|Intenso Tab|TAB1004",IRUTablet:"M702pro",MegafonTablet:"MegaFon V9|\\bZTE V9\\b|Android.*\\bMT7A\\b",EbodaTablet:"E-Boda (Supreme|Impresspeed|Izzycomm|Essential)",AllViewTablet:"Allview.*(Viva|Alldro|City|Speed|All TV|Frenzy|Quasar|Shine|TX1|AX1|AX2)",ArchosTablet:"\\b(101G9|80G9|A101IT)\\b|Qilive 97R|Archos5|\\bARCHOS (70|79|80|90|97|101|FAMILYPAD|)(b|c|)(G10| Cobalt| TITANIUM(HD|)| Xenon| Neon|XSK| 2| XS 2| PLATINUM| CARBON|GAMEPAD)\\b",AinolTablet:"NOVO7|NOVO8|NOVO10|Novo7Aurora|Novo7Basic|NOVO7PALADIN|novo9-Spark",NokiaLumiaTablet:"Lumia 2520",SonyTablet:"Sony.*Tablet|Xperia Tablet|Sony Tablet S|SO-03E|SGPT12|SGPT13|SGPT114|SGPT121|SGPT122|SGPT123|SGPT111|SGPT112|SGPT113|SGPT131|SGPT132|SGPT133|SGPT211|SGPT212|SGPT213|SGP311|SGP312|SGP321|EBRD1101|EBRD1102|EBRD1201|SGP351|SGP341|SGP511|SGP512|SGP521|SGP541|SGP551|SGP621|SGP641|SGP612|SOT31|SGP771|SGP611|SGP612|SGP712",PhilipsTablet:"\\b(PI2010|PI3000|PI3100|PI3105|PI3110|PI3205|PI3210|PI3900|PI4010|PI7000|PI7100)\\b",CubeTablet:"Android.*(K8GT|U9GT|U10GT|U16GT|U17GT|U18GT|U19GT|U20GT|U23GT|U30GT)|CUBE 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\\b(E3A|T3X|T5C|T5B|T3E|T3C|T3B|T1J|T1F|T2A|T1H|T1i|E1C|T1-E|T5-A|T4|E1-B|T2Ci|T1-B|T1-D|O1-A|E1-A|T1-A|T3A|T4i)\\b ",DanyTechTablet:"Genius Tab G3|Genius Tab S2|Genius Tab Q3|Genius Tab G4|Genius Tab Q4|Genius Tab G-II|Genius TAB GII|Genius TAB GIII|Genius Tab S1",GalapadTablet:"Android.*\\bG1\\b(?!\\))",MicromaxTablet:"Funbook|Micromax.*\\b(P250|P560|P360|P362|P600|P300|P350|P500|P275)\\b",KarbonnTablet:"Android.*\\b(A39|A37|A34|ST8|ST10|ST7|Smart Tab3|Smart Tab2)\\b",AllFineTablet:"Fine7 Genius|Fine7 Shine|Fine7 Air|Fine8 Style|Fine9 More|Fine10 Joy|Fine11 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7004|FreeTAB 7800|FreeTAB 2096|FreeTAB 7.5|FreeTAB 1014|FreeTAB 1001 |FreeTAB 8001|FreeTAB 9706|FreeTAB 9702|FreeTAB 7003|FreeTAB 7002|FreeTAB 1002|FreeTAB 7801|FreeTAB 1331|FreeTAB 1004|FreeTAB 8002|FreeTAB 8014|FreeTAB 9704|FreeTAB 1003",VoninoTablet:"\\b(Argus[ _]?S|Diamond[ _]?79HD|Emerald[ _]?78E|Luna[ _]?70C|Onyx[ _]?S|Onyx[ _]?Z|Orin[ _]?HD|Orin[ _]?S|Otis[ _]?S|SpeedStar[ _]?S|Magnet[ _]?M9|Primus[ _]?94[ _]?3G|Primus[ _]?94HD|Primus[ _]?QS|Android.*\\bQ8\\b|Sirius[ _]?EVO[ _]?QS|Sirius[ _]?QS|Spirit[ _]?S)\\b",ECSTablet:"V07OT2|TM105A|S10OT1|TR10CS1",StorexTablet:"eZee[_']?(Tab|Go)[0-9]+|TabLC7|Looney Tunes Tab",VodafoneTablet:"SmartTab([ ]+)?[0-9]+|SmartTabII10|SmartTabII7|VF-1497|VFD 1400",EssentielBTablet:"Smart[ ']?TAB[ ]+?[0-9]+|Family[ ']?TAB2",RossMoorTablet:"RM-790|RM-997|RMD-878G|RMD-974R|RMT-705A|RMT-701|RME-601|RMT-501|RMT-711",iMobileTablet:"i-mobile i-note",TolinoTablet:"tolino tab [0-9.]+|tolino shine",AudioSonicTablet:"\\bC-22Q|T7-QC|T-17B|T-17P\\b",AMPETablet:"Android.* A78 ",SkkTablet:"Android.* (SKYPAD|PHOENIX|CYCLOPS)",TecnoTablet:"TECNO P9|TECNO DP8D",JXDTablet:"Android.* \\b(F3000|A3300|JXD5000|JXD3000|JXD2000|JXD300B|JXD300|S5800|S7800|S602b|S5110b|S7300|S5300|S602|S603|S5100|S5110|S601|S7100a|P3000F|P3000s|P101|P200s|P1000m|P200m|P9100|P1000s|S6600b|S908|P1000|P300|S18|S6600|S9100)\\b",iJoyTablet:"Tablet (Spirit 7|Essentia|Galatea|Fusion|Onix 7|Landa|Titan|Scooby|Deox|Stella|Themis|Argon|Unique 7|Sygnus|Hexen|Finity 7|Cream|Cream X2|Jade|Neon 7|Neron 7|Kandy|Scape|Saphyr 7|Rebel|Biox|Rebel|Rebel 8GB|Myst|Draco 7|Myst|Tab7-004|Myst|Tadeo Jones|Tablet Boing|Arrow|Draco Dual Cam|Aurix|Mint|Amity|Revolution|Finity 9|Neon 9|T9w|Amity 4GB Dual Cam|Stone 4GB|Stone 8GB|Andromeda|Silken|X2|Andromeda II|Halley|Flame|Saphyr 9,7|Touch 8|Planet|Triton|Unique 10|Hexen 10|Memphis 4GB|Memphis 8GB|Onix 10)",FX2Tablet:"FX2 PAD7|FX2 PAD10",XoroTablet:"KidsPAD 701|PAD[ ]?712|PAD[ ]?714|PAD[ ]?716|PAD[ ]?717|PAD[ ]?718|PAD[ ]?720|PAD[ ]?721|PAD[ ]?722|PAD[ ]?790|PAD[ ]?792|PAD[ ]?900|PAD[ ]?9715D|PAD[ ]?9716DR|PAD[ ]?9718DR|PAD[ ]?9719QR|PAD[ ]?9720QR|TelePAD1030|Telepad1032|TelePAD730|TelePAD731|TelePAD732|TelePAD735Q|TelePAD830|TelePAD9730|TelePAD795|MegaPAD 1331|MegaPAD 1851|MegaPAD 2151",ViewsonicTablet:"ViewPad 10pi|ViewPad 10e|ViewPad 10s|ViewPad E72|ViewPad7|ViewPad E100|ViewPad 7e|ViewSonic VB733|VB100a",VerizonTablet:"QTAQZ3|QTAIR7|QTAQTZ3|QTASUN1|QTASUN2|QTAXIA1",OdysTablet:"LOOX|XENO10|ODYS[ -](Space|EVO|Xpress|NOON)|\\bXELIO\\b|Xelio10Pro|XELIO7PHONETAB|XELIO10EXTREME|XELIOPT2|NEO_QUAD10",CaptivaTablet:"CAPTIVA PAD",IconbitTablet:"NetTAB|NT-3702|NT-3702S|NT-3702S|NT-3603P|NT-3603P|NT-0704S|NT-0704S|NT-3805C|NT-3805C|NT-0806C|NT-0806C|NT-0909T|NT-0909T|NT-0907S|NT-0907S|NT-0902S|NT-0902S",TeclastTablet:"T98 4G|\\bP80\\b|\\bX90HD\\b|X98 Air|X98 Air 3G|\\bX89\\b|P80 3G|\\bX80h\\b|P98 Air|\\bX89HD\\b|P98 3G|\\bP90HD\\b|P89 3G|X98 3G|\\bP70h\\b|P79HD 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Edge",IE:"IEMobile|MSIEMobile",Firefox:"fennec|firefox.*maemo|(Mobile|Tablet).*Firefox|Firefox.*Mobile|FxiOS",Bolt:"bolt",TeaShark:"teashark",Blazer:"Blazer",Safari:"Version.*Mobile.*Safari|Safari.*Mobile|MobileSafari",WeChat:"\\bMicroMessenger\\b",UCBrowser:"UC.*Browser|UCWEB",baiduboxapp:"baiduboxapp",baidubrowser:"baidubrowser",DiigoBrowser:"DiigoBrowser",Mercury:"\\bMercury\\b",ObigoBrowser:"Obigo",NetFront:"NF-Browser",GenericBrowser:"NokiaBrowser|OviBrowser|OneBrowser|TwonkyBeamBrowser|SEMC.*Browser|FlyFlow|Minimo|NetFront|Novarra-Vision|MQQBrowser|MicroMessenger",PaleMoon:"Android.*PaleMoon|Mobile.*PaleMoon"},props:{Mobile:"Mobile/[VER]",Build:"Build/[VER]",Version:"Version/[VER]",VendorID:"VendorID/[VER]",iPad:"iPad.*CPU[a-z ]+[VER]",iPhone:"iPhone.*CPU[a-z ]+[VER]",iPod:"iPod.*CPU[a-z 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.breadcrumbs.breadcrumbs-dark>li.breadcrumbs-item:hover>.breadcrumbs-item-link { color: #ffffff; text-decoration: underline;} .breadcrumbs.breadcrumbs-dark>li.breadcrumbs-item.disabled { color: #c8cccc; text-decoration: none;} .breadcrumbs.breadcrumbs-dark>li.breadcrumbs-item.disabled:hover { color: #c8cccc; text-decoration: none;} </style> <ul class="breadcrumbs "> <li class="breadcrumbs-item "> <a class="breadcrumbs-item-link" href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor"> advisor </a> </li> <li class="breadcrumbs-item "> <a class="breadcrumbs-item-link" href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards"> credit cards </a> </li> <li class="breadcrumbs-item disabled"> Best Balance Transfer Credit Cards </li> </ul><style> .mobile-ui .mobile-editorialview { display: flex; justify-content: space-between; margin-top: 5px; align-items: center; } .mobile-ui .author__article-date.mobile { display: block; margin-top: 0; } .mobile-ui .mobile-editorialview .article__page--disclosure { margin-top: 0; } @media all and (min-width:599px) { .author__article-date.mobile { display: none; } .mobile-editorialview { float: right; } } @media all and (max-width: 598px) { .mobile-editorialview { display: flex; justify-content: space-between; margin-top: 5px; align-items: center; } .author__article-date.mobile { display: block; margin-top: 0; } .mobile-editorialview .article__page--disclosure { margin-top: 0; } } @media all and (max-width: 340px) { .mobile-editorialview{ display:block!important; } } </style> <div class="mobile-editorialview"> <span id="advertiser-disclosure" class="article__page--disclosure">Advertiser Disclosure</span> <span class="author__article-date mobile"> Updated: May 24, 2021, 4:22pm </span> </div> </div> <h1 class="farticle-title">Best Balance Transfer Credit Cards Of June 2021</h1> <div class="row show-right-rail"> <div class="col-md-9 article-wrapper"> <div class="author-block-v2">  <div class="author-block-v2__img-wrap"> <div class="inner-img-wrap primary"> <a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/author/rsfrankel/" title="Robin Saks Frankel" target="_blank" class=""> <img class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 photo lozad" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/03/Robin-Jan-2017-Headshot-min-1-2-88x88.jpg" width="64" height="64" alt="Robin Saks Frankel"> </a> </div> </div>   <div class="author-block-v2__content-wrap"> <div class="author-name-wrap"> <a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/author/rsfrankel/" target="_blank" class="primary author-name"> Robin Saks Frankel </a> </div> <div class="author-designation-wrap "> <span class="author-role primaryshow_info"> Forbes Advisor Staff </span> </div> <p class="author-block-v2__artice-date">Updated: May 24, 2021, 4:22pm</p> </div>  </div> <style> .no-editorial-note { margin : 12px 0;} .article__editors-note.font-14px{font-size:14px;} </style> <div class="article__editors-note font-14px"> Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. </div> <div class="intro-content applyfade "> <div class="intro-content-inner wysiwyg-content"> <p>A balance transfer card can be a powerful tool in your debt-busting arsenal. A 0% APR offer on a credit card can save money by having all of your payments go towards knocking out the principal balance instead of some being siphoned away to pay interest charges.</p> <p>Most balance transfer cards charge a balance transfer fee. Calculate the amount you’re looking to transfer plus any balance transfer fees, along with how many months you’ll need to pay off the debt to find the balance transfer card that makes the most sense for you.</p> </div> <div class="mob-fade"> <span>Read more</span> <div class="chevron-arrow-wrapper"> <div class="chevron-arrow down"></div> </div> </div> </div> <div class="our-picks-wrapper"> <div class="toggle-picks-section"> Show Summary </div> <div class="our-picks"> <h2 class="our-picks-title">Best Balance Transfer Credit Cards </h2> <ul id="our-picks-section"> <li><a href="#citi_double_cash_card">Citi® Double Cash Card</a>: Best Balance Transfer Card for Cash Back</li><li><a href="#u_s_bank_visa_platinum_card">U.S. Bank Visa® Platinum Card</a>: Best Overall</li><li><a href="#citi_diamond_preferred_card">Citi® Diamond Preferred® Card</a>: Best Balance Transfer Card for Long Transfer Window</li><li><a href="#wells_fargo_platinum_card">Wells Fargo Platinum card</a>: Honorable Mention</li><li><a href="#citi_rewards_card">Citi Rewards+® Card</a>: Best Balance Transfer Card For Small Purchases</li><li><a href="#hsbc_gold_mastercard_credit_card">HSBC Gold Mastercard® credit card</a>: Best Balance Transfer Card With Travel Perks</li><li><a href="#citi_simplicity_card">Citi Simplicity® Card</a>: Best Balance Transfer Card for Late Fee Forgiveness</li><li><a href="#navy_federal_credit_union_platinum_credit_card">Navy Federal Credit Union Platinum Credit Card</a>: Best for No Transfer Fee </li> </ul> </div> </div> </div> <div class="col-md-3 right-rail"> <style> .best-of-content .boc__section-heading { display: none;} .best-of-content .boc__sub-section { margin: 16px 0 32px;} .best-of-content .boc__items { margin: 12px 0;} .best-of-content .boc__sub-section-heading { font-family: "Work Sans", sans-serif; font-weight: 500; font-size: 14px; line-height: 22px; letter-spacing: -0.5px; color: #333333; text-transform: uppercase; padding-bottom: 12px; border-bottom: 1px solid #c8cccc;} .best-of-content .boc__item-link { font-family: "Work Sans", sans-serif; font-size: 14px; line-height: 22px; letter-spacing: -0.5px; color: #395BB6; text-decoration: none;} .best-of-content .boc__item-link:hover { text-decoration: underline;} .best-of-content .boc__item-list { margin-bottom: 12px;} .best-of-content hr { height: 1px; border: none; border-top: 1px #C8CCCC solid; margin: 16px 0;} @media (max-width: 767px) { .best-of-content { max-width: 270px;} .best-of-content .boc__sub-section { margin-top: 0;} .best-of-content .boc__sub-section:last-child { margin-bottom: 0;} } @media screen and (max-width: 599px) { .best-of-content hr { margin: 16px 0;} } </style> <div class="best-of-content"> <div class="boc__section"> <div class="boc__section-heading">Find The Best Credit Card<span class="boc__section-heading-arrow"><span></span></span></div> <div class="boc__sub-section"> <div class="boc__sub-section-heading">Find The Best Credit Card</div> <ul class="boc__items"> <li class="boc__item-list"> <a class="boc__item-link" href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/best-credit-cards/" title="The Best Credit Cards Of 2021">The Best Credit Cards Of 2021</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/best/sign-up-bonuses/" title="Best Credit Card Sign Up Bonuses">Best Credit Card Sign Up Bonuses</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/best/cash-back/" title="Best Cash Back Credit Cards">Best Cash Back Credit Cards</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/best-travel-rewards-credit-cards/" title="Best Travel Rewards Credit Cards">Best Travel Rewards Credit Cards</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/best/student/" title="Best Student Credit Cards">Best Student Credit Cards</a> </li> </ul> </div> </div> </div> <script> (function($) { var openLinksNewTab = true; if (openLinksNewTab) { $('.best-of-content').find('a').attr('target', '_blank'); } })(jQuery); </script> </div> </div> <div class="all-cardboxes" id="navy_federal_credit_union_platinum_credit_card_section"> <section class="cc-widget-wrapper" id="citi_double_cash_card"> <style>@media (max-width:1023px){.small-card-rating.rate-fees-present{margin-top:-12px}}@media (max-width:370px){.small-card-rating.rate-fees-present{margin-top:0}}.small-card-rating .card-rating{background:#fff;border:1px solid #eee;box-shadow:0 4px 2px rgba(119,115,103,.04);border-radius:108px;padding:8px 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class="featured-card-label-txt">Featured Partner Offer</span> </div> <div class="cc-wrapper-inner"> <div class="card-top-wrap "> <div class="left"> <h2 class="card-best-for"> Best Balance Transfer Card for Cash Back </h2> <h3 class="card-title"> Citi® Double Cash Card </h3> </div> <div class="right"> <div class="btn-wrap"> <a href="https://web.archive.org/web/20210528124736/https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26656853" class="apply-now c-button" rel="nofollow" target="_blank" data-cc-name="Citi® Double Cash Card" data-cta-info="Apply Now Button" data-cta-placement="Apply Now Button" data-product-id="221410494" data-product="Credit Card" data-position="1"> <span> Apply Now <img data-img-src="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/lock-white-2021.svg" alt="" class="lozad"> </span> </a> <div class="secure-site-txt"> On Citibank's Secure Website </div> </div> </div> </div> <div class="card-middle-wrap"> <div class="left"> <div class="card-image-outer"> <div class="card-image-wrapper"> <a href="https://web.archive.org/web/20210528124736/https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26656853" class="image-overlay-wrapper" rel="nofollow" target="_blank" data-cc-name="Citi® Double Cash Card" data-cta-info="Apply Now Image" data-cta-placement="Apply Now Image" data-product-id="221410494" data-product="Credit Card" data-position="1"> <img class="card-image lozad" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2019/11/ca064210-ff38-11e9-9794-5d95042ca5c0.png" alt="Citi® Double Cash Card"> <div class="img-overlay"> <span>Click Here To Apply Now</span> </div> </a> </div> </div> <div class="bottom-wrap"> <div class="small-card-rating "> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.1</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"> <span class="cc-rating" style="width: 80%;"></span> </div> <div class="rating-logo"> <img data-img-src="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo-2021.svg" alt="Forbes Advisor" class="lozad"> <span class="icon-tooltip icon-info"></span> </div> </div> <div class="card-rating-tooltip">Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.</div></div> </div> </div> </div> <div class="right"> <div class="btn-wrap d-none mobile-btn-wrap"> <a href="https://web.archive.org/web/20210528124736/https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26656853" class="apply-now c-button" rel="nofollow" target="_blank" data-cc-name="Citi® Double Cash Card" data-cta-info="Apply Now Button" data-cta-placement="Apply Now Button" data-product-id="221410494" data-product="Credit Card" data-position="1"> <span> Apply Now <img data-img-src="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/lock-white-2021.svg" alt="" class="lozad"> </span> </a> <div class="secure-site-txt"> On Citibank's Secure Website </div> </div> <div class="rewards-wrapper"> <div class="left"> <div class="icon-wrap"></div> </div> <div class="right"> <p class="cc-reward-rate">Up to 2% Reward Rate</p> <p class="cc-reward-desc"> <span>First, you earn 1% unlimited cash back on every purchase you make. Then, as you pay for those purchases, you</span><a href="#" class="read-more" data-description="First, you earn 1% unlimited cash back on every purchase you make. Then, as you pay for those purchases, you earn an additional 1% cash back on those credit card payments" data-shortdescription="First, you earn 1% unlimited cash back on every purchase you make. Then, as you pay for those purchases, you">Read More</a> </p> </div> </div> <div class="facts-wrapper"> <div class="facts"> <h4 class="fact"> Welcome Bonus<span class="icon-tooltip icon-info tooltip" data-tooltip-content="#welcome_bonus_tooltip_content3686"></span> </h4> <p class="fact-value">None</p> </div> <div class="facts"> <h4 class="fact">Annual Fee</h4> <p class="fact-value">$0</p> </div> <div class="facts"> <h4 class="fact">Regular APR</h4> <p class="fact-value">13.99% - 23.99% (Variable)</p> </div> <div class="facts"> <h4 class="fact"> Credit Score <span class="icon-tooltip icon-info tooltip" data-tooltip-content="#credit_score_tooltip"></span> </h4> <p class="fact-value"> Excellent, Good (700 - 749) </p> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <button class="accordion-tab">Why We Picked It</button> <div id="why_we_picked_it3686" class="c-tab--content list-points"> <p>The Citi Double Cash card's simple cash back structure and long lasting APR offer make the Citi Double Cash a favorite among those who want to set it and forget it. It offers a solid cashback rate on all purchases, plus a long-lasting 0% intro APR offer, all without an annual fee.</p> </div> <button class="accordion-tab">Pros & Cons</button> <div id="pros_cons3686" class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li aria-level="1">Earn up to 2% cash back—1% when the purchase is made and 1% when payment is made on the account</li> <li aria-level="1">No cash back cap—no limit on the amount of cash back that can be earned</li> <li aria-level="1">No annual fee</li> <li aria-level="1">Introductory APR period for balance transfers</li> </ul> </div> <div class="list-points cons"> <ul> <li aria-level="1">Foreign transaction fee</li> <li aria-level="1">Balance transfer fee</li> <li aria-level="1">Lack of benefits seen in other no annual fee cards</li> <li aria-level="1">No introductory 0% APR on purchases</li> </ul> </div> </div> </div> <button class="accordion-tab">Card Details</button> <div id="card_details3686" class="c-tab--content list-points rewards-credit-cards"> <ul> <li>Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.</li> <li>To earn cash back, pay at least the minimum due on time.</li> <li>Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.</li> <li>Balance Transfers do not earn cash back.</li> <li>If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.</li> <li>There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.</li> <li>The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.</li> </ul> </div> </div> </div> </div> </div> <div class="tooltip_templates d-none"> <div id="welcome_bonus_tooltip_content3686" class="tooltip_content"> None </div> <div id="credit_score_tooltip">Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.</div> </div> </section> <hr/> <section class="cc-widget-wrapper" id="u_s_bank_visa_platinum_card"> <div class="exclude-eds cc-wrapper "> <div class="cc-wrapper-inner"> <div class="card-top-wrap full-width-title"> <div class="left"> <h2 class="card-best-for"> Best Overall </h2> <h3 class="card-title"> U.S. Bank Visa® Platinum Card <span class="tooltip shortcode__asterisk" title="The information for the U.S. Bank Visa® Platinum Card has been collected independently by Forbes. The card details on this page have not been reviewed or provided by the card issuer.">*</span> </h3> </div> </div> <div class="card-middle-wrap"> <div class="left"> <div class="card-image-outer"> <div class="card-image-wrapper"> <a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/details/u-s-bank-visa-platinum-card/" class="image-overlay-wrapper" target="_blank"> <img class="card-image lozad" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/08/cardArt_platinum-large-333x209-1.png" alt="U.S. Bank Visa® Platinum Card"> <div class="img-overlay"> <span>Click Here To Learn More</span> </div> </a> </div> </div> <div class="bottom-wrap"> <div class="small-card-rating "> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.5</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"> <span class="cc-rating" style="width: 90%;"></span> </div> <div class="rating-logo"> <img data-img-src="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo-2021.svg" alt="Forbes Advisor" class="lozad"> <span class="icon-tooltip icon-info"></span> </div> </div> <div class="card-rating-tooltip">Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.</div></div> </div> </div> </div> <div class="right"> <div class="facts-wrapper"> <div class="facts"> <h4 class="fact"> Welcome Bonus<span class="icon-tooltip icon-info tooltip" data-tooltip-content="#welcome_bonus_tooltip_content15142"></span> </h4> <p class="fact-value">None</p> </div> <div class="facts"> <h4 class="fact">Annual Fee</h4> <p class="fact-value">$0</p> </div> <div class="facts"> <h4 class="fact">Regular APR</h4> <p class="fact-value">14.49% - 24.49% Variable APR on purchases and balance transfers</p> </div> <div class="facts"> <h4 class="fact"> Credit Score <span class="icon-tooltip icon-info tooltip" data-tooltip-content="#credit_score_tooltip"></span> </h4> <p class="fact-value"> Good/Excellent (700 - 749) </p> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <button class="accordion-tab">Why We Picked It</button> <div id="why_we_picked_it15142" class="c-tab--content list-points"> <p>The U.S. Bank Visa® Platinum Card offers a very lengthy 20-billing cycle 0% intro APR rate and no annual fee. There are two caveats, which are the 3% balance transfer fee and the lack of a rewards program. Still, the savings on interest can eclipse the 3% fee. </p> </div> <button class="accordion-tab">Pros & Cons</button> <div id="pros_cons15142" class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>No penalty APR.</li> <li>Very long 0% intro APR period.</li> <li>Cell phone protection coverage is a handy benefit.</li> </ul> </div> <div class="list-points cons"> <ul> <li>3% balance transfer fee ($5 minimum).</li> <li>No rewards program.</li> <li>No welcome bonus.</li> <li>2%-3% foreign transaction fee.</li> </ul> </div> </div> </div> <button class="accordion-tab">Card Details</button> <div id="card_details15142" class="c-tab--content list-points rewards-credit-cards"> <ul> <li>For a limited time, get a special 0% introductory APR on purchases for 20 billing cycles.</li> <li>Enjoy no annual fee.</li> <li>Cell Phone Protection: Coverage when you pay your monthly cellular bill with your U.S. Bank Visa Platinum Card.</li> <li>Choose Your Payment Due Date: Everyone’s schedule is different. So it’s handy to be able to pick when your payment is due.</li> <li>Enroll in Online Banking and get your TransUnion Credit Score at no cost and receive email alerts when there are big changes to your credit report.</li> <li>AutoPay: Avoid interest and late fees with automatic payments that put you in control. It can also help you pay down a balance faster.</li> <li>Fraud Protection: Detects and notifies you of any unusual card activity to help prevent fraud.</li> </ul> </div> </div> </div> </div> </div> <div class="tooltip_templates d-none"> <div id="welcome_bonus_tooltip_content15142" class="tooltip_content"> None </div> <div id="credit_score_tooltip">Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.</div> </div> </section> <section class="cc-widget-wrapper" id="citi_diamond_preferred_card"> <div class="exclude-eds cc-wrapper "> <div class="cc-wrapper-inner"> <div class="card-top-wrap "> <div class="left"> <h2 class="card-best-for"> Best Balance Transfer Card for Long Transfer Window </h2> <h3 class="card-title"> Citi® Diamond Preferred® Card </h3> </div> <div class="right"> <div class="btn-wrap"> <a href="https://web.archive.org/web/20210528124736/https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26671968" class="apply-now c-button" rel="nofollow" target="_blank" data-cc-name="Citi® Diamond Preferred® Card" data-cta-info="Apply Now Button" data-cta-placement="Apply Now Button" data-product-id="22144656" data-product="Credit Card" data-position="3"> <span> Apply Now <img data-img-src="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/lock-white-2021.svg" alt="" class="lozad"> </span> </a> <div class="secure-site-txt"> On Citibank's Secure Website </div> </div> </div> </div> <div class="card-middle-wrap"> <div class="left"> <div class="card-image-outer"> <div class="card-image-wrapper"> <a href="https://web.archive.org/web/20210528124736/https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26671968" class="image-overlay-wrapper" rel="nofollow" target="_blank" data-cc-name="Citi® Diamond Preferred® Card" data-cta-info="Apply Now Image" data-cta-placement="Apply Now Image" data-product-id="22144656" data-product="Credit Card" data-position="3"> <img class="card-image lozad" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/06/0de9ed70-1856-11ea-a90f-256d20e41a64.png" alt="Citi® Diamond Preferred® Card"> <div class="img-overlay"> <span>Click Here To Apply Now</span> </div> </a> </div> </div> <div class="bottom-wrap"> <div class="small-card-rating "> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.1</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"> <span class="cc-rating" style="width: 80%;"></span> </div> <div class="rating-logo"> <img data-img-src="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo-2021.svg" alt="Forbes Advisor" class="lozad"> <span class="icon-tooltip icon-info"></span> </div> </div> <div class="card-rating-tooltip">Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.</div></div> </div> </div> </div> <div class="right"> <div class="btn-wrap d-none mobile-btn-wrap"> <a href="https://web.archive.org/web/20210528124736/https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26671968" class="apply-now c-button" rel="nofollow" target="_blank" data-cc-name="Citi® Diamond Preferred® Card" data-cta-info="Apply Now Button" data-cta-placement="Apply Now Button" data-product-id="22144656" data-product="Credit Card" data-position="3"> <span> Apply Now <img data-img-src="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/lock-white-2021.svg" alt="" class="lozad"> </span> </a> <div class="secure-site-txt"> On Citibank's Secure Website </div> </div> <div class="facts-wrapper"> <div class="facts"> <h4 class="fact"> Welcome Bonus<span class="icon-tooltip icon-info tooltip" data-tooltip-content="#welcome_bonus_tooltip_content33258"></span> </h4> <p class="fact-value">N/A</p> </div> <div class="facts"> <h4 class="fact">Annual Fee</h4> <p class="fact-value">$0</p> </div> <div class="facts"> <h4 class="fact">Regular APR</h4> <p class="fact-value">14.74% - 24.74% (Variable)</p> </div> <div class="facts"> <h4 class="fact"> Credit Score <span class="icon-tooltip icon-info tooltip" data-tooltip-content="#credit_score_tooltip"></span> </h4> <p class="fact-value"> Excellent, Good (700 - 749) </p> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <button class="accordion-tab">Why We Picked It</button> <div id="why_we_picked_it33258" class="c-tab--content list-points"> <p>Those looking to consolidate debt and pay it off over time will appreciate the very long 0% APR intro offer on balance transfers. A $0 annual fee further enhances its frugal appeal. On the downside, this card is light on perks and comes with a heavy balance transfer fee.</p> </div> <button class="accordion-tab">Pros & Cons</button> <div id="pros_cons33258" class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Very long intro APR offer for balance transfers</li> <li>Special event access through Citi Entertainment®</li> <li>No annual fee</li> <li>Free access to your FICO® Score</li> </ul> </div> <div class="list-points cons"> <ul> <li>Very high balance transfer fees</li> <li>Very high penalty APR and penalty fees</li> <li>3% foreign transaction fee</li> <li>No welcome bonus or rewards program</li> </ul> </div> </div> </div> <button class="accordion-tab">Card Details</button> <div id="card_details33258" class="c-tab--content list-points rewards-credit-cards"> <ul> <li>0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% – 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.</li> <li>There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater</li> <li>Get free access to your FICO® Score online.</li> <li>With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.</li> <li>Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.</li> <li>The standard variable APR for Citi Flex Plan is 14.74% – 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.</li> </ul> </div> </div> </div> </div> </div> <div class="tooltip_templates d-none"> <div id="welcome_bonus_tooltip_content33258" class="tooltip_content"> N/A </div> <div id="credit_score_tooltip">Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.</div> </div> </section> <section class="cc-widget-wrapper" id="wells_fargo_platinum_card"> <div class="exclude-eds cc-wrapper "> <div class="cc-wrapper-inner"> <div class="card-top-wrap "> <div class="left"> <h2 class="card-best-for"> Honorable Mention </h2> <h3 class="card-title"> Wells Fargo Platinum card </h3> </div> <div class="right"> <div class="btn-wrap"> <a href="https://web.archive.org/web/20210528124736/https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26656864" class="apply-now c-button" rel="nofollow" target="_blank" data-cc-name="Wells Fargo Platinum card" data-cta-info="Apply Now Button" data-cta-placement="Apply Now Button" data-product-id="239211378" data-product="Credit Card" data-position="4"> <span> Apply Now <img data-img-src="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/lock-white-2021.svg" alt="" class="lozad"> </span> </a> <div class="secure-site-txt"> On Wells Fargo's Secure Website </div> </div> </div> </div> <div class="card-middle-wrap"> <div class="left"> <div class="card-image-outer"> <div class="card-image-wrapper"> <a href="https://web.archive.org/web/20210528124736/https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26656864" class="image-overlay-wrapper" rel="nofollow" target="_blank" data-cc-name="Wells Fargo Platinum card" data-cta-info="Apply Now Image" data-cta-placement="Apply Now Image" data-product-id="239211378" data-product="Credit Card" data-position="4"> <img class="card-image lozad" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/05/37f4b9a0-669b-11e9-ad1f-e3d0fefdcf91.png" alt="Wells Fargo Platinum card"> <div class="img-overlay"> <span>Click Here To Apply Now</span> </div> </a> </div> <div class="rates-fees-wrapper"> <a href="https://web.archive.org/web/20210528124736/https://oc.brcclx.com/t/?lid=26679660" target="_blank" class="bold"> Rates & Fees  </a> </div> </div> <div class="bottom-wrap"> <div class="small-card-rating rate-fees-present"> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.1</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"> <span class="cc-rating" style="width: 80%;"></span> </div> <div class="rating-logo"> <img data-img-src="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo-2021.svg" alt="Forbes Advisor" class="lozad"> <span class="icon-tooltip icon-info"></span> </div> </div> <div class="card-rating-tooltip">Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.</div></div> </div> </div> </div> <div class="right"> <div class="btn-wrap d-none mobile-btn-wrap"> <a href="https://web.archive.org/web/20210528124736/https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26656864" class="apply-now c-button" rel="nofollow" target="_blank" data-cc-name="Wells Fargo Platinum card" data-cta-info="Apply Now Button" data-cta-placement="Apply Now Button" data-product-id="239211378" data-product="Credit Card" data-position="4"> <span> Apply Now <img data-img-src="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/lock-white-2021.svg" alt="" class="lozad"> </span> </a> <div class="secure-site-txt"> On Wells Fargo's Secure Website </div> </div> <div class="facts-wrapper"> <div class="facts"> <h4 class="fact"> Welcome Bonus<span class="icon-tooltip icon-info tooltip" data-tooltip-content="#welcome_bonus_tooltip_content109391"></span> </h4> <p class="fact-value">N/A</p> </div> <div class="facts"> <h4 class="fact">Annual Fee</h4> <p class="fact-value">$0</p> </div> <div class="facts"> <h4 class="fact">Regular APR</h4> <p class="fact-value">16.49%-24.49% (Variable)</p> </div> <div class="facts"> <h4 class="fact"> Credit Score <span class="icon-tooltip icon-info tooltip" data-tooltip-content="#credit_score_tooltip"></span> </h4> <p class="fact-value"> Excellent/Good (700 - 749) </p> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <button class="accordion-tab">Why We Picked It</button> <div id="why_we_picked_it109391" class="c-tab--content list-points"> <p>An 18-month 0% introductory APR period on both purchases and qualifying balance transfers makes the Wells Fargo Platinum card an excellent choice to pay down debt or finance a major purchase. There’s no annual fee, but the balance transfer and foreign transaction fees dampen our enthusiasm a bit.</p> </div> <button class="accordion-tab">Pros & Cons</button> <div id="pros_cons109391" class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>0% introductory APR on qualifying balance transfers and purchases for 18 months from account opening</li> <li>$0 Annual Fee</li> <li>FICO score tracking</li> </ul> </div> <div class="list-points cons"> <ul> <li>No rewards program or welcome bonus</li> <li>High balance transfer fee</li> <li>High regular APR</li> <li>3% foreign transaction fee</li> </ul> </div> </div> </div> <button class="accordion-tab">Card Details</button> <div id="card_details109391" class="c-tab--content list-points rewards-credit-cards"> <ul> <li>0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee</li> <li>$0 Annual Fee</li> <li>Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card</li> <li>Easy access to your FICO® Credit Score with Wells Fargo Online®</li> <li>Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications</li> <li>Convenient tools to help create a budget and manage your spending with My Money Map</li> <li>Select “Apply Now” to learn more about the product features, terms and conditions</li> </ul> </div> </div> </div> </div> </div> <div class="tooltip_templates d-none"> <div id="welcome_bonus_tooltip_content109391" class="tooltip_content"> N/A </div> <div id="credit_score_tooltip">Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.</div> </div> </section> <section class="cc-widget-wrapper" id="citi_rewards_card"> <div class="exclude-eds cc-wrapper "> <div class="cc-wrapper-inner"> <div class="card-top-wrap "> <div class="left"> <h2 class="card-best-for"> Best Balance Transfer Card For Small Purchases </h2> <h3 class="card-title"> Citi Rewards+® Card </h3> </div> <div class="right"> <div class="btn-wrap"> <a href="https://web.archive.org/web/20210528124736/https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26667232" class="apply-now c-button" rel="nofollow" target="_blank" data-cc-name="Citi Rewards+® Card" data-cta-info="Apply Now Button" data-cta-placement="Apply Now Button" data-product-id="6379" data-product="Credit Card" data-position="5"> <span> Apply Now <img data-img-src="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/lock-white-2021.svg" alt="" class="lozad"> </span> </a> <div class="secure-site-txt"> On Citibank's Secure Website </div> </div> </div> </div> <div class="card-middle-wrap"> <div class="left"> <div class="card-image-outer"> <div class="card-image-wrapper"> <a href="https://web.archive.org/web/20210528124736/https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26667232" class="image-overlay-wrapper" rel="nofollow" target="_blank" data-cc-name="Citi Rewards+® Card" data-cta-info="Apply Now Image" data-cta-placement="Apply Now Image" data-product-id="6379" data-product="Credit Card" data-position="5"> <img class="card-image lozad" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/01/a61ba440-fb22-11e9-897f-e571555e984f.png" alt="Citi Rewards+® Card"> <div class="img-overlay"> <span>Click Here To Apply Now</span> </div> </a> </div> </div> <div class="bottom-wrap"> <div class="small-card-rating "> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">3.5</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"> <span class="cc-rating" style="width: 70%;"></span> </div> <div class="rating-logo"> <img data-img-src="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo-2021.svg" alt="Forbes Advisor" class="lozad"> <span class="icon-tooltip icon-info"></span> </div> </div> <div class="card-rating-tooltip">Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.</div></div> </div> </div> </div> <div class="right"> <div class="btn-wrap d-none mobile-btn-wrap"> <a href="https://web.archive.org/web/20210528124736/https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26667232" class="apply-now c-button" rel="nofollow" target="_blank" data-cc-name="Citi Rewards+® Card" data-cta-info="Apply Now Button" data-cta-placement="Apply Now Button" data-product-id="6379" data-product="Credit Card" data-position="5"> <span> Apply Now <img data-img-src="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/lock-white-2021.svg" alt="" class="lozad"> </span> </a> <div class="secure-site-txt"> On Citibank's Secure Website </div> </div> <div class="rewards-wrapper"> <div class="left"> <div class="icon-wrap"></div> </div> <div class="right"> <p class="cc-reward-rate">Up to 2X Reward Rate</p> <p class="cc-reward-desc"> <span>Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.</span><a href="#" class="read-more" data-description="Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. " data-shortdescription="Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.">Read More</a> </p> </div> </div> <div class="facts-wrapper"> <div class="facts"> <h4 class="fact"> Welcome Bonus<span class="icon-tooltip icon-info tooltip" data-tooltip-content="#welcome_bonus_tooltip_content19962"></span> </h4> <p class="fact-value">15,000 points</p> </div> <div class="facts"> <h4 class="fact">Annual Fee</h4> <p class="fact-value">$0</p> </div> <div class="facts"> <h4 class="fact">Regular APR</h4> <p class="fact-value">13.49% - 23.49% (Variable)</p> </div> <div class="facts"> <h4 class="fact"> Credit Score <span class="icon-tooltip icon-info tooltip" data-tooltip-content="#credit_score_tooltip"></span> </h4> <p class="fact-value"> Excellent, Good (700 - 749) </p> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <button class="accordion-tab">Why We Picked It</button> <div id="why_we_picked_it19962" class="c-tab--content list-points"> <p>The Citi Rewards+® Card is an intriguing option as an everyday card for small purchases. In terms of rewards earnings, Citi rounds up all purchases to the next 10 points. Meaning, that $3 coffee just earned you 10 rewards points. Game your rewards further with a 10% redemption bonus plus 2x points on supermarkets and gas — with no annual fee.</p> </div> <button class="accordion-tab">Pros & Cons</button> <div id="pros_cons19962" class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>All purchases rounded up to the nearest 10 rewards points.</li> <li>10% points bonus added to the first 100,000 points redeemed annually.</li> <li>No rotating categories to manage.</li> </ul> </div> <div class="list-points cons"> <ul> <li>3% foreign transaction fee.</li> <li>Potentially high APR depending on your creditworthiness.</li> <li>3% balance transfer fee (min $5).</li> <li>Annual $6,000 spending cap on 2x points category.</li> </ul> </div> </div> </div> <button class="accordion-tab">Card Details</button> <div id="card_details19962" class="c-tab--content list-points rewards-credit-cards"> <ul> <li>The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.</li> <li>Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com</li> <li>0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% – 23.49%, based on your creditworthiness. Balance transfer fee – either $5 or 3% of the amount of each transfer, whichever is greater.</li> <li>Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.</li> <li>The standard variable APR for Citi Flex Plan is 13.49% – 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.</li> </ul> </div> </div> </div> </div> </div> <div class="tooltip_templates d-none"> <div id="welcome_bonus_tooltip_content19962" class="tooltip_content"> Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com </div> <div id="credit_score_tooltip">Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.</div> </div> </section> <section class="cc-widget-wrapper" id="hsbc_gold_mastercard_credit_card"> <div class="exclude-eds cc-wrapper "> <div class="cc-wrapper-inner"> <div class="card-top-wrap full-width-title"> <div class="left"> <h2 class="card-best-for"> Best Balance Transfer Card With Travel Perks </h2> <h3 class="card-title"> HSBC Gold Mastercard® credit card <span class="tooltip shortcode__asterisk" title="The information for the HSBC Gold Mastercard® credit card has been collected independently by Forbes. The card details on this page have not been reviewed or provided by the card issuer.">*</span> </h3> </div> </div> <div class="card-middle-wrap"> <div class="left"> <div class="card-image-outer"> <div class="card-image-wrapper"> <a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/details/hsbc-gold-mastercard-credit-card/" class="image-overlay-wrapper" target="_blank"> <img class="card-image lozad" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/01/1X_IjtXx78iY3Jo5q7xdmmDNx5O8ET-bf.jpg" alt="HSBC Gold Mastercard® credit card"> <div class="img-overlay"> <span>Click Here To Learn More</span> </div> </a> </div> </div> <div class="bottom-wrap"> <div class="small-card-rating "> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.1</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"> <span class="cc-rating" style="width: 80%;"></span> </div> <div class="rating-logo"> <img data-img-src="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo-2021.svg" alt="Forbes Advisor" class="lozad"> <span class="icon-tooltip icon-info"></span> </div> </div> <div class="card-rating-tooltip">Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.</div></div> </div> </div> </div> <div class="right"> <div class="facts-wrapper"> <div class="facts"> <h4 class="fact"> Welcome Bonus<span class="icon-tooltip icon-info tooltip" data-tooltip-content="#welcome_bonus_tooltip_content12396"></span> </h4> <p class="fact-value">None</p> </div> <div class="facts"> <h4 class="fact">Annual Fee</h4> <p class="fact-value">$0</p> </div> <div class="facts"> <h4 class="fact">Regular APR</h4> <p class="fact-value">13.99% - 23.99% Variable APR on purchases and balance transfers</p> </div> <div class="facts"> <h4 class="fact"> Credit Score <span class="icon-tooltip icon-info tooltip" data-tooltip-content="#credit_score_tooltip"></span> </h4> <p class="fact-value"> Good/Excellent (700 - 749) </p> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <button class="accordion-tab">Why We Picked It</button> <div id="why_we_picked_it12396" class="c-tab--content list-points"> <p>The HSBC Gold Mastercard® credit card comes with a very long 0% intro APR period, no annual fee, and no penalty APR. No rewards program and no welcome bonus make this a pure balance transfer or major purchase card. It could have been a fantastic one, but the 4% balance transfer fee reduces its appeal.</p> </div> <button class="accordion-tab">Pros & Cons</button> <div id="pros_cons12396" class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li aria-level="1">No foreign transaction fees</li> <li aria-level="1">Once-every-twelve-months late fee waiver</li> <li aria-level="1">No penalty APR</li> <li aria-level="1">18-month 0% introductory APR, followed by the standard APR</li> </ul> </div> <div class="list-points cons"> <ul> <li aria-level="1">High balance transfer fee (4%)</li> <li aria-level="1">No welcome bonus</li> <li aria-level="1">No rewards</li> </ul> </div> </div> </div> <button class="accordion-tab">Card Details</button> <div id="card_details12396" class="c-tab--content list-points rewards-credit-cards"> <ul> <li>0% Introductory APR on Purchases and Balance Transfers for the first 18 months from account opening</li> <li>Late Fee waiver: If your payment is late, we’ll waive the late fee once every 12 months</li> <li>Tap & go® with any HSBC credit card: Tap & go® contactless payments are faster than swiping or inserting your card for payment</li> <li>No Foreign Transaction Fees: There are no added costs when using your card to make purchases in a foreign country</li> <li>Mobile Pay: All HSBC Credit Cards are available with Apple Pay, Google Pay, and Samsung Pay</li> <li>MasterRental Coverage: Provides protection for physical damage and theft to most rental vehicles</li> <li>Emergency Card Services: Mastercard Global Service® provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting</li> </ul> </div> </div> </div> </div> </div> <div class="tooltip_templates d-none"> <div id="welcome_bonus_tooltip_content12396" class="tooltip_content"> None </div> <div id="credit_score_tooltip">Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.</div> </div> </section> <section class="cc-widget-wrapper" id="citi_simplicity_card"> <div class="exclude-eds cc-wrapper "> <div class="cc-wrapper-inner"> <div class="card-top-wrap full-width-title"> <div class="left"> <h2 class="card-best-for"> Best Balance Transfer Card for Late Fee Forgiveness </h2> <h3 class="card-title"> Citi Simplicity® Card <span class="tooltip shortcode__asterisk" title="The information for the Citi Simplicity® Card has been collected independently by Forbes. The card details on this page have not been reviewed or provided by the card issuer.">*</span> </h3> </div> </div> <div class="card-middle-wrap"> <div class="left"> <div class="card-image-outer"> <div class="card-image-wrapper"> <img class="card-image lozad" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2019/11/1yvuODHyDplAO4X7DwCyVfYGs6k3dQLTL.jpg" alt="Citi Simplicity® Card"> </div> </div> <div class="bottom-wrap"> <div class="small-card-rating "> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.1</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"> <span class="cc-rating" style="width: 80%;"></span> </div> <div class="rating-logo"> <img data-img-src="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo-2021.svg" alt="Forbes Advisor" class="lozad"> <span class="icon-tooltip icon-info"></span> </div> </div> <div class="card-rating-tooltip">Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.</div></div> </div> </div> </div> <div class="right"> <div class="facts-wrapper"> <div class="facts"> <h4 class="fact"> Welcome Bonus<span class="icon-tooltip icon-info tooltip" data-tooltip-content="#welcome_bonus_tooltip_content13915"></span> </h4> <p class="fact-value">None</p> </div> <div class="facts"> <h4 class="fact">Annual Fee</h4> <p class="fact-value">$0</p> </div> <div class="facts"> <h4 class="fact">Regular APR</h4> <p class="fact-value">14.74% - 24.74% (Variable) APR on purchases and balance transfers</p> </div> <div class="facts"> <h4 class="fact"> Credit Score <span class="icon-tooltip icon-info tooltip" data-tooltip-content="#credit_score_tooltip"></span> </h4> <p class="fact-value"> Good/Excellent (700 - 749) </p> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <button class="accordion-tab">Why We Picked It</button> <div id="why_we_picked_it13915" class="c-tab--content list-points"> <p>The Citi Simplicity Card offers a very long 18-month 0% intro APR offer for balance transfers, with the catch that each transfer incurs a 3% fee. You'll also get an 18-month 0% intro APR offer on purchases. However, there is no rewards program nor any welcome bonus, making this truly a "simple" card for those looking to hold a balance interest-free for a long period of time.</p> </div> <button class="accordion-tab">Pros & Cons</button> <div id="pros_cons13915" class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>No late fees</li> <li>No penalty APR</li> <li>No annual fee</li> <li>0% intro APR offer on purchases and balance transfers</li> <li>Purchase protection</li> </ul> </div> <div class="list-points cons"> <ul> <li>High regular APR</li> <li>No rewards program</li> <li>3% balance transfer fee (min $5)</li> <li>3% foreign transaction fee</li> <li>5% cash advance fee (min $10)</li> </ul> </div> </div> </div> <button class="accordion-tab">Card Details</button> <div id="card_details13915" class="c-tab--content list-points rewards-credit-cards"> <ul> <li>No Late Fees, No Penalty Rate, and No Annual Fee… Ever</li> <li>0% Intro APR on balance transfers for 18 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 14.74% – 24.74%, based on your creditworthiness</li> <li>0% Intro APR on purchases for 18 months from date of account opening. After that, the variable APR will be 14.74% – 24.74%%, based on your creditworthiness</li> <li>If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full</li> <li>There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater</li> <li>The same great rate for all balances, after the introductory period</li> <li>Save time when you call with fast, personal help, 24 hours a day — just say “representative”</li> <li>Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month</li> </ul> </div> </div> </div> </div> </div> <div class="tooltip_templates d-none"> <div id="welcome_bonus_tooltip_content13915" class="tooltip_content"> None </div> <div id="credit_score_tooltip">Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.</div> </div> </section> <section class="cc-widget-wrapper" id="navy_federal_credit_union_platinum_credit_card"> <div class="exclude-eds cc-wrapper "> <div class="cc-wrapper-inner"> <div class="card-top-wrap full-width-title"> <div class="left"> <h2 class="card-best-for"> Best for No Transfer Fee </h2> <h3 class="card-title"> Navy Federal Credit Union Platinum Credit Card <span class="tooltip shortcode__asterisk" title="The information for the Navy Federal Credit Union Platinum Credit Card has been collected independently by Forbes. The card details on this page have not been reviewed or provided by the card issuer.">*</span> </h3> </div> </div> <div class="card-middle-wrap"> <div class="left"> <div class="card-image-outer"> <div class="card-image-wrapper"> <a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/details/navy-federal-credit-union-platinum-credit-card/" class="image-overlay-wrapper" target="_blank"> <img class="card-image lozad" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/01/Navy-FCU-Platinum-Credit-Card.jpg" alt="Navy Federal Credit Union Platinum Credit Card"> <div class="img-overlay"> <span>Click Here To Learn More</span> </div> </a> </div> </div> <div class="bottom-wrap"> <div class="small-card-rating "> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.4</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"> <span class="cc-rating" style="width: 80%;"></span> </div> <div class="rating-logo"> <img data-img-src="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo-2021.svg" alt="Forbes Advisor" class="lozad"> <span class="icon-tooltip icon-info"></span> </div> </div> <div class="card-rating-tooltip">Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.</div></div> </div> </div> </div> <div class="right"> <div class="facts-wrapper"> <div class="facts"> <h4 class="fact"> Welcome Bonus<span class="icon-tooltip icon-info tooltip" data-tooltip-content="#welcome_bonus_tooltip_content72242"></span> </h4> <p class="fact-value">N/A</p> </div> <div class="facts"> <h4 class="fact">Annual Fee</h4> <p class="fact-value">$0</p> </div> <div class="facts"> <h4 class="fact">Regular APR</h4> <p class="fact-value">5.99% - 18.00% Variable APR</p> </div> <div class="facts"> <h4 class="fact"> Credit Score <span class="icon-tooltip icon-info tooltip" data-tooltip-content="#credit_score_tooltip"></span> </h4> <p class="fact-value"> Average to Excellent (650 - 699) </p> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <button class="accordion-tab">Why We Picked It</button> <div id="why_we_picked_it72242" class="c-tab--content list-points"> <p>Many people skip credit union cards because they assume they won't qualify. Navy Federal might be easier to join than you realize, and the card doesn't charge a fee for balance transfers, making for a low cost balance transfer option.</p> </div> <button class="accordion-tab">Pros & Cons</button> <div id="pros_cons72242" class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>No annual fee</li> <li>No balance transfer fees</li> <li>No foreign transaction fees</li> <li>Low ongoing interest rates</li> </ul> </div> <div class="list-points cons"> <ul> <li>No promotional interest rate on purchases</li> <li>No rewards program</li> <li>There are longer promotional APR periods available</li> </ul> </div> </div> </div> <button class="accordion-tab">Card Details</button> <div id="card_details72242" class="c-tab--content list-points rewards-credit-cards"> <ul> <li>0% Intro APR on balance transfers for 12 months</li> <li>No annual fee</li> <li>No foreign transaction fee</li> <li>No balance transfer fees</li> <li>Zero Liability policy for unauthorized transactions</li> <li>24/7 access to stateside member reps</li> <li>Enjoy the ability to freeze and unfreeze your cards</li> <li>Gain free access to your FICO® Score</li> </ul> </div> </div> </div> </div> </div> <div class="tooltip_templates d-none"> <div id="welcome_bonus_tooltip_content72242" class="tooltip_content"> N/A </div> <div id="credit_score_tooltip">Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.</div> </div> </section> </div> <div class="summary-section"> <h2>Here's a Summary of the Best Balance Transfer Credit Cards </h2> <div class="summary-table"> <div class="summary-table_mob"> <div class="cat category">Credit Card</div> <div class="cat-wrapper"> <div class="cat"> <div class="img-wrap"> <img class="lozad img-responsive" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2019/11/ca064210-ff38-11e9-9794-5d95042ca5c0.png" alt="Citi® Double Cash Card"> </div> <div class="title"> <a class="name" href="#citi_double_cash_card"> Citi® Double Cash Card </a> </div> </div> <div class="cat"> <div class="img-wrap"> <img class="lozad img-responsive" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/08/cardArt_platinum-large-333x209-1.png" alt="U.S. Bank Visa® Platinum Card"> </div> <div class="title"> <a class="name" href="#u_s_bank_visa_platinum_card"> U.S. Bank Visa® Platinum Card </a> </div> </div> <div class="cat"> <div class="img-wrap"> <img class="lozad img-responsive" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/06/0de9ed70-1856-11ea-a90f-256d20e41a64.png" alt="Citi® Diamond Preferred® Card"> </div> <div class="title"> <a class="name" href="#citi_diamond_preferred_card"> Citi® Diamond Preferred® Card </a> </div> </div> <div class="cat"> <div class="img-wrap"> <img class="lozad img-responsive" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/05/37f4b9a0-669b-11e9-ad1f-e3d0fefdcf91.png" alt="Wells Fargo Platinum card"> </div> <div class="title"> <a class="name" href="#wells_fargo_platinum_card"> Wells Fargo Platinum card </a> </div> </div> <div class="cat"> <div class="img-wrap"> <img class="lozad img-responsive" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/01/a61ba440-fb22-11e9-897f-e571555e984f.png" alt="Citi Rewards+® Card"> </div> <div class="title"> <a class="name" href="#citi_rewards_card"> Citi Rewards+® Card </a> </div> </div> <div class="cat"> <div class="img-wrap"> <img class="lozad img-responsive" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/01/1X_IjtXx78iY3Jo5q7xdmmDNx5O8ET-bf.jpg" alt="HSBC Gold Mastercard® credit card"> </div> <div class="title"> <a class="name" href="#hsbc_gold_mastercard_credit_card"> HSBC Gold Mastercard® credit card </a> </div> </div> <div class="cat"> <div class="img-wrap"> <img class="lozad img-responsive" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2019/11/1yvuODHyDplAO4X7DwCyVfYGs6k3dQLTL.jpg" alt="Citi Simplicity® Card"> </div> <div class="title"> <a class="name" href="#citi_simplicity_card"> Citi Simplicity® Card </a> </div> </div> <div class="cat"> <div class="img-wrap"> <img class="lozad img-responsive" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/01/Navy-FCU-Platinum-Credit-Card.jpg" alt="Navy Federal Credit Union Platinum Credit Card"> </div> <div class="title"> <a class="name" href="#navy_federal_credit_union_platinum_credit_card"> Navy Federal Credit Union Platinum Credit Card </a> </div> </div> </div> </div> <div class="scrollable-area" id="scrollable-area"> <div class="summary-table_desk"> <div class="table-row categories"> <div class="cat">Credit Card</div> <div class="cat">Best For</div> <div class="cat"> Credit Score <div class="icon-tooltip icon-info tooltip" data-tooltip-content="#credit_tooltip_content"> </div> </div> <div class="cat">Annual Fee</div> <div class="cat">Welcome Bonus</div> </div> <div class="table-row"> <div class="cat"> <div class="d-flex"> <div class="img-wrap"> <img class="lozad img-responsive" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2019/11/ca064210-ff38-11e9-9794-5d95042ca5c0.png" alt="Citi® Double Cash Card"> </div> <div class="title"> <a href="#citi_double_cash_card" class="name"> Citi® Double Cash Card </a> </div> </div> </div> <div class="cat">Best Balance Transfer Card for Cash Back</div> <div class="cat">Excellent, Good </div> <div class="cat">$0</div> <div class="cat cat-wb"> None <span class="icon-tooltip icon-question tooltip" data-tooltip-content="#welcomebonus_tooltip_content_3686"></span> </div> </div> <div class="table-row"> <div class="cat"> <div class="d-flex"> <div class="img-wrap"> <img class="lozad img-responsive" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/08/cardArt_platinum-large-333x209-1.png" alt="U.S. Bank Visa® Platinum Card"> </div> <div class="title"> <a href="#u_s_bank_visa_platinum_card" class="name"> U.S. Bank Visa® Platinum Card </a> </div> </div> </div> <div class="cat"> Best Overall</div> <div class="cat">Good/Excellent </div> <div class="cat">$0</div> <div class="cat cat-wb"> None <span class="icon-tooltip icon-question tooltip" data-tooltip-content="#welcomebonus_tooltip_content_15142"></span> </div> </div> <div class="table-row"> <div class="cat"> <div class="d-flex"> <div class="img-wrap"> <img class="lozad img-responsive" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/06/0de9ed70-1856-11ea-a90f-256d20e41a64.png" alt="Citi® Diamond Preferred® Card"> </div> <div class="title"> <a href="#citi_diamond_preferred_card" class="name"> Citi® Diamond Preferred® Card </a> </div> </div> </div> <div class="cat">Best Balance Transfer Card for Long Transfer Window</div> <div class="cat">Excellent, Good </div> <div class="cat">$0</div> <div class="cat cat-wb"> N/A <span class="icon-tooltip icon-question tooltip" data-tooltip-content="#welcomebonus_tooltip_content_33258"></span> </div> </div> <div class="table-row"> <div class="cat"> <div class="d-flex"> <div class="img-wrap"> <img class="lozad img-responsive" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/05/37f4b9a0-669b-11e9-ad1f-e3d0fefdcf91.png" alt="Wells Fargo Platinum card"> </div> <div class="title"> <a href="#wells_fargo_platinum_card" class="name"> Wells Fargo Platinum card </a> </div> </div> </div> <div class="cat">Honorable Mention</div> <div class="cat">Excellent/Good </div> <div class="cat">$0</div> <div class="cat cat-wb"> N/A <span class="icon-tooltip icon-question tooltip" data-tooltip-content="#welcomebonus_tooltip_content_109391"></span> </div> </div> <div class="table-row"> <div class="cat"> <div class="d-flex"> <div class="img-wrap"> <img class="lozad img-responsive" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/01/a61ba440-fb22-11e9-897f-e571555e984f.png" alt="Citi Rewards+® Card"> </div> <div class="title"> <a href="#citi_rewards_card" class="name"> Citi Rewards+® Card </a> </div> </div> </div> <div class="cat">Best Balance Transfer Card For Small Purchases</div> <div class="cat">Excellent, Good </div> <div class="cat">$0</div> <div class="cat cat-wb"> 15,000 points <span class="icon-tooltip icon-question tooltip" data-tooltip-content="#welcomebonus_tooltip_content_19962"></span> </div> </div> <div class="table-row"> <div class="cat"> <div class="d-flex"> <div class="img-wrap"> <img class="lozad img-responsive" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/01/1X_IjtXx78iY3Jo5q7xdmmDNx5O8ET-bf.jpg" alt="HSBC Gold Mastercard® credit card"> </div> <div class="title"> <a href="#hsbc_gold_mastercard_credit_card" class="name"> HSBC Gold Mastercard® credit card </a> </div> </div> </div> <div class="cat">Best Balance Transfer Card With Travel Perks</div> <div class="cat">Good/Excellent </div> <div class="cat">$0</div> <div class="cat cat-wb"> None <span class="icon-tooltip icon-question tooltip" data-tooltip-content="#welcomebonus_tooltip_content_12396"></span> </div> </div> <div class="table-row"> <div class="cat"> <div class="d-flex"> <div class="img-wrap"> <img class="lozad img-responsive" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2019/11/1yvuODHyDplAO4X7DwCyVfYGs6k3dQLTL.jpg" alt="Citi Simplicity® Card"> </div> <div class="title"> <a href="#citi_simplicity_card" class="name"> Citi Simplicity® Card </a> </div> </div> </div> <div class="cat">Best Balance Transfer Card for Late Fee Forgiveness</div> <div class="cat">Good/Excellent </div> <div class="cat">$0</div> <div class="cat cat-wb"> None <span class="icon-tooltip icon-question tooltip" data-tooltip-content="#welcomebonus_tooltip_content_13915"></span> </div> </div> <div class="table-row"> <div class="cat"> <div class="d-flex"> <div class="img-wrap"> <img class="lozad img-responsive" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/01/Navy-FCU-Platinum-Credit-Card.jpg" alt="Navy Federal Credit Union Platinum Credit Card"> </div> <div class="title"> <a href="#navy_federal_credit_union_platinum_credit_card" class="name"> Navy Federal Credit Union Platinum Credit Card </a> </div> </div> </div> <div class="cat">Best for No Transfer Fee </div> <div class="cat">Average to Excellent </div> <div class="cat">$0</div> <div class="cat cat-wb"> N/A <span class="icon-tooltip icon-question tooltip" data-tooltip-content="#welcomebonus_tooltip_content_72242"></span> </div> </div> </div> </div> </div> </div> <div class="bottom-section"> <div id="methodology_section" class="article-section"> <h2>Methodology</h2> <div class="section-content wysiwyg-content blue-bullets "> <style> .related-widget { font-family: 'Work Sans', sans-serif; font-style: normal; font-weight: 500; font-size: 18px; line-height: 24px; letter-spacing: -0.5px; position: relative; padding-left: 10px; } .related-widget:before { content: ''; font-size: 0; padding-right: 9px; width: 0; height: 0; border-style: solid; border-width: 5px 0 5px 5px; border-color: transparent transparent transparent #181716; position: absolute; top: 7px; left: 0px;} .title__related-widget { text-transform: uppercase; font-weight: 500;} .link__related-widget { color: #395BB6 !important;} @media (max-width: 599px) { .related-widget { font-size: 14px; line-height: 22px;} .related-widget:before { top: 6px; border-width: 4px 0 4px 4px;} } </style><p>To find the <a class="wpil_keyword_link" title="best credit cards" href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/best-credit-cards/">best credit cards</a> for balance transfers we looked across the spectrum of cards with 0% APR offers on shifting debt. Then, we selected the best cards for individual categories such as lack of penalty fees, length of the promotional period and no cost to carry the card.</p> <p>The best cards were chosen based on what made them stand out from the pack. That said, what is best for the majority of people might not be right for you. Do your research before deciding which cards will best help you achieve your balance transfer goals.</p> </div> </div> <hr/> <div id="best_balance_transfer_credit_cards_section" class="article-section more-details-cards-wrapper"> <h2>Best Balance Transfer Credit Cards </h2> <div id="citi_double_cash_card_details" class="section-card-widget section-card-widget-0"> <div class="card-widget-title-wrap"> <div class="card-widget-title"> Citi® Double Cash Card </div> <a href="#citi_double_cash_card" class="jump-to"> [ jump to details ] </a> </div> <div class="section-content wysiwyg-content blue-bullets"><p>The <a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/reviews/citi-double-cash/">Citi Double Cash</a> just so happens to come with a top-notch introductory 0% APR balance transfer offer. In addition, the card also offers a host of Citi perks including concierge services and the ability to combine your earnings with other Citibank rewards cards for a potential increase in value.</p> <p><strong>Annual Fee:</strong> $0</p> <p><strong>Balance Transfer Offer:</strong> Get 0% intro for 18 months on Balance Transfers, then a variable APR of 13.99% – 23.99% based on your creditworthiness.</p> <p><strong>Balance Transfer Fee:</strong> 3% of each balance transfer; $5 minimum.</p> <p><strong>Other Benefits and Drawbacks:</strong> Unlike similar cards with balance transfer offers, the Citi Double Cash has staying power long past the end of the promotional period. You can earn a generous 2% cash back on all your purchases—1% when you make a purchase and another 1% when you pay the bill. Accumulate at least $25 and take those earnings as a check, redeem for a statement credit or have it deposited into an eligible checking or savings account.</p> <p>Read the full <a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/reviews/citi-double-cash/">Citi Double Cash review</a> to learn more.</p> </div> </div> <div id="u_s_bank_visa_platinum_card_details" class="section-card-widget section-card-widget-1"> <div class="card-widget-title-wrap"> <div class="card-widget-title"> U.S. Bank Visa® Platinum Card <span class="tooltip shortcode__asterisk" title="The information for the U.S. Bank Visa® Platinum Card has been collected independently by Forbes. The card details on this page have not been reviewed or provided by the card issuer.">*</span> </div> <a href="#u_s_bank_visa_platinum_card" class="jump-to"> [ jump to details ] </a> </div> <div class="section-content wysiwyg-content blue-bullets"><p>The U.S. Bank Visa® Platinum Card is Forbes Advisor’s top pick for a balance transfer card. When you’re looking to transfer a balance, the intro APR period should be the main event. And the offer on the U.S. Bank Platinum Visa is a standout. You’ll get nearly two years of 0% introductory APR on eligible transfers. And, if you qualify for the lowest end of the APR range, it’s a card worth keeping even after the promotional APR expires.</p> <p><strong>Annual Fee:</strong> $0</p> <p><strong>Balance Transfer Offer:</strong> 0% Intro APR for 20 billing cycles on balance transfers and purchases. After that, the APR will be 14.49% – 24.49% based on your creditworthiness.</p> <p><strong>Balance Transfer Fee:</strong> Either 3% of the amount of each transfer or $5 minimum, whichever is greater</p> <p><strong>Other Benefits and Drawbacks:</strong> The card comes with another perk: cell phone insurance. When you pay your monthly bill with the U.S. Bank Visa Platinum, you’ll get coverage for damage or theft up to $600, with a $25 deductible, for up to two claims per 12-month period.</p> <p>Read the full <a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/reviews/u-s-bank-visa-platinum/">U.S. Bank Platinum Card review</a> to learn more.</p> </div> </div> <div id="citi_diamond_preferred_card_details" class="section-card-widget section-card-widget-2"> <div class="card-widget-title-wrap"> <div class="card-widget-title"> Citi® Diamond Preferred® Card </div> <a href="#citi_diamond_preferred_card" class="jump-to"> [ jump to details ] </a> </div> <div class="section-content wysiwyg-content blue-bullets"><p>Most balance transfer cards require you to make your balance transfer within the first month or two of opening your account in order to qualify for their 0% APR offer. But the Citi® Diamond Preferred® Card has one of the most generous time periods of any card on the market, giving you a full four months from the date you open your account to transfer debt to the card.</p> <p><strong>Annual Fee:</strong> $0</p> <p><strong>Balance Transfer Offer:</strong> Get 0% Intro APR for 18 months from account opening on balance transfers, then a variable APR of 14.74% – 24.74% based on your creditworthiness.</p> <p><strong>Balance Transfer Fee:</strong> Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum.</p> <p><strong>Other Benefits and Drawbacks:</strong> The Citi Diamond Preferred doesn’t come with a lot of frills, but like most Citi cards, you’ll get access to the Citi Concierge and you can choose which day of the month for your payment due date. You’ll also get special event access through Citi Entertainment®</p> <p>Read the full <a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/reviews/citi-diamond-preferred-card/">Citi Diamond Preferred Card review</a> to learn more.</p> </div> </div> <div id="wells_fargo_platinum_card_details" class="section-card-widget section-card-widget-3"> <div class="card-widget-title-wrap"> <div class="card-widget-title"> Wells Fargo Platinum card </div> <a href="#wells_fargo_platinum_card" class="jump-to"> [ jump to details ] </a> </div> <div class="section-content wysiwyg-content blue-bullets"><p>If you’re looking to pay less interest on your existing debt, the <a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/reviews/wells-fargo-platinum-visa/">Wells Fargo Platinum card</a> is a straightforward choice. It carries no annual fee and you’ll get a generous 0% introductory period to pay off your balance. There’s also a slew of travel perks and protections not typically found in a basic balance transfer card.</p> <p><strong>Annual Fee:</strong> $0</p> <p><strong>Balance Transfer Offer:</strong> Get 0% Intro APR for 18 months from account opening on qualifying balance transfers, then a variable APR of 16.49% – 24.49% based on your creditworthiness. A balance transfer request must be made within 120 days from account opening to qualify for the introductory APR.</p> <p><strong>Balance Transfer Fee:</strong> up to 5%; min: $5</p> <p><strong>Other Benefits and Drawbacks:</strong> Although there are no rewards with this card, it does come with some money-saving protections. You’ll get secondary car rental collision coverage when you use your card for auto rentals, roadside dispatch, travel accident insurance, travel and emergency assistance services and cell phone protection when you pay your monthly bill with the card.</p> <p>Read the full <a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/reviews/wells-fargo-platinum-visa/">Wells Fargo Platinum card</a> to learn more.</p> </div> </div> <div id="citi_rewards_card_details" class="section-card-widget section-card-widget-4"> <div class="card-widget-title-wrap"> <div class="card-widget-title"> Citi Rewards+® Card </div> <a href="#citi_rewards_card" class="jump-to"> [ jump to details ] </a> </div> <div class="section-content wysiwyg-content blue-bullets"><p>If you want a card that you’re likely to use long after the intro APR period, the Citi Rewards+® Card could be a worthy addition to your wallet. The card earns 2 points per dollar spent at supermarkets and gas stations for the first $6,000 per year and 1 point per dollar spent on all other purchases. And, the card will automatically round up to the nearest 10 points on every purchase, potentially snagging you a few extra rewards on every purchase.</p> <p><strong>Annual Fee:</strong> $0</p> <p><strong>Balance Transfer Offer:</strong> Get 0% for 15 months on balance transfers. Transfers must be made within four months of account opening. After that, the APR will be 13.49% – 23.49% based on your creditworthiness.</p> <p><strong>Balance Transfer Fee:</strong> either $5 or 3% of the amount of each transfer, whichever is greater</p> <p><strong>Other Benefits and Drawbacks:</strong> ThankYou points on this card are only worth half a cent when you redeem for cash or a statement credit and worth one cent when you redeem them for travel. You can also transfer your rewards to one of more than a dozen of Citi’s travel transfer partners for potentially increased value.</p> <p>Read the full <a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/reviews/citi-rewards-card/">Citi Rewards+® Card review</a> to learn more.</p> </div> </div> <div id="hsbc_gold_mastercard_credit_card_details" class="section-card-widget section-card-widget-5"> <div class="card-widget-title-wrap"> <div class="card-widget-title"> HSBC Gold Mastercard® credit card <span class="tooltip shortcode__asterisk" title="The information for the HSBC Gold Mastercard® credit card has been collected independently by Forbes. The card details on this page have not been reviewed or provided by the card issuer.">*</span> </div> <a href="#hsbc_gold_mastercard_credit_card" class="jump-to"> [ jump to details ] </a> </div> <div class="section-content wysiwyg-content blue-bullets"><p>Beyond the intro offer, the HSBC Gold Mastercard comes with some solid perks for travelers not typically found on a card with no annual fee, including zero foreign transaction fees and car rental protections through Mastercard.</p> <p><strong>Annual Fee:</strong> $0</p> <p><strong>Balance Transfer Offer:</strong> Get 0.00% Intro APR for 18 months from account opening on balance transfers. Transfers must be made within 60 days of account opening. After that, the APR will be 13.99% – 23.99% based on your creditworthiness.</p> <p><strong>Balance Transfer Fee:</strong> Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check</p> <p><strong>Other Benefits and Drawbacks:</strong> If your payment is late, you’ll get to skip the late fee once every 12 months. Cardholders also get a discount on Mastercard Airport Concierge service and discounted offers to select golf courses across the country, plus access to events exclusive to Mastercard holders.</p> </div> </div> <div id="citi_simplicity_card_details" class="section-card-widget section-card-widget-6"> <div class="card-widget-title-wrap"> <div class="card-widget-title"> Citi Simplicity® Card <span class="tooltip shortcode__asterisk" title="The information for the Citi Simplicity® Card has been collected independently by Forbes. The card details on this page have not been reviewed or provided by the card issuer.">*</span> </div> <a href="#citi_simplicity_card" class="jump-to"> [ jump to details ] </a> </div> <div class="section-content wysiwyg-content blue-bullets"><p>If you’re seeking a long runway to chip away at a balance, the Citi Simplicity® Card deserves a look. With no late fees or penalty fees, it’s a solid choice among balance transfer cards when you’re looking to shed debt with a side of extra flexibility.</p> <p><strong>Annual Fee:</strong> $0</p> <p><strong>Balance Transfer Offer:</strong> Get 0% Intro APR on balance transfers for 18 months. After that, the APR will be 14.74% – 24.74% variable, based on your creditworthiness, based on your creditworthiness. Balance transfers must be completed within four months of opening the account.</p> <p><strong>Balance Transfer Fee:</strong> Either $5 or 3% of the amount of each transfer, whichever is greater</p> <p><strong>Other Benefits and Drawbacks:</strong> The Citi Simplicity packs a nice punch of triple zeros: No annual fee, no penalty fees and no late fees. The card also comes with Citi perks including Citi Concierge service and the ability to bypass the endless phone prompt cycle to reach customer service by saying “representative”.</p> <p>Read the full <a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/reviews/citi-simplicity-credit-card/">Citi Simplicity Card review</a> to learn more.</p> </div> </div> <div id="navy_federal_credit_union_platinum_credit_card_details" class="section-card-widget section-card-widget-7"> <div class="card-widget-title-wrap"> <div class="card-widget-title"> Navy Federal Credit Union Platinum Credit Card <span class="tooltip shortcode__asterisk" title="The information for the Navy Federal Credit Union Platinum Credit Card has been collected independently by Forbes. The card details on this page have not been reviewed or provided by the card issuer.">*</span> </div> <a href="#navy_federal_credit_union_platinum_credit_card" class="jump-to"> [ jump to details ] </a> </div> <div class="section-content wysiwyg-content blue-bullets"><p>If you qualify to join the Navy Federal credit union—a requirement to apply for the card—you’d be hard-pressed to find another card that offers both a generous 0% intro APR offer on balance transfers and a low ongoing APR that will carry you far beyond any introductory period. Plus, there are no balance transfer fees so it won’t cost you an up front fee to shift your debt to this card.</p> <p><strong>Annual Fee:</strong> $0</p> <p><strong>Balance Transfer Offer:</strong> 0% Intro APR for 12 months on balance transfers. After that, the APR will be 5.99% – 18% based on your creditworthiness.</p> <p><strong>Balance Transfer Fee:</strong> None</p> <p><strong>Other Benefits and Drawbacks:</strong> There are eligibility requirements for membership to Navy Federal Credit Union and you must join before applying for any Navy Federal credit card. That said, eligibility extends to more people than you would imagine since extended family members of veterans also qualify. If that’s not an issue, know that in addition to a sweet 0% introductory APR offer and a low ongoing APR, the card also offers rental car insurance, extended warranty service, travel and emergency assistance and cell phone insurance.</p> </div> </div> </div> <hr/><div id="frequently_asked_questions_section" class="faq-section article-section"> <h2 class="title"> Frequently Asked Questions </h2> <div class="main-faqs faq-2021"> <div class="faqs"> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewbox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round"/> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> <svg width="18" height="2" viewbox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> </div> <h3 class="question-text">What Is A Balance Transfer?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>A balance transfer lets you save on existing high-interest debt by transferring your balance to a card with a lower interest rate or one with <a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/what-is-a-0-apr-credit-card/#:~:text=Robin%20Saks%20Frankel%20is%20a,finance%20writer%20for%20Forbes%20Advisor.&text=A%200%25%20APR%20credit%20card%20is%20one%20that%20offers%20an,purchases%2C%20balance%20transfers%20or%20both.">a 0% APR</a> offer on balance transfers. Sometimes, there is a balance transfer fee to move debt from one card to another, typically between 3% to 5% of the amount being transferred.</p> <p>This fee will add on to your debt load, so do the math before deciding to transfer your debt to another card. If the amount you’re paying in balance transfer fees is greater than what you’d save on interest by doing the transfer, then it’s probably not a good money move.</p> </div> </div> <div class="faqs"> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewbox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round"/> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> <svg width="18" height="2" viewbox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> </div> <h3 class="question-text">How Long Do Balance Transfers Take?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>It typically takes anywhere from two to seven days for your transfer request to be completed, but it depends on the issuer of the card you’re seeking to transfer a balance to.</p> <p>For example, American Express says it typically takes from five to seven days for a transfer from another bank to be completed but it could take as long as six weeks. Citibank says on its site it can take from two to 21 days and Chase says most transfers are complete within two weeks.</p> <p>The exact time for your transfer will likely depend on both the bank you’re transferring the debt to and the bank you’re transferring the debt from.</p> </div> </div> <div class="faqs"> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewbox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round"/> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> <svg width="18" height="2" viewbox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> </div> <h3 class="question-text">How Does A Balance Transfer Card Work?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>The main goal of a balance transfer is to save money on existing debt. A <a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/how-to-make-a-balance-transfer-card-work-for-you/">balance transfer card can save money</a> by allowing you to transfer your debt to a new credit card ideally with a lower rate. Once you’ve transferred the debt, you’ll make payments to the new card. Ideally, you wouldn’t charge anything to your new balance transfer card so you can focus on paying down the balance.</p> <p>Since most (but not all) credit cards come with balance transfer fees, it typically only makes sense to make this move if the new card has a lower interest rate than your existing debt or comes with a low promotional offer on the new card.</p> </div> </div> <div class="faqs"> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewbox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round"/> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> <svg width="18" height="2" viewbox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> </div> <h3 class="question-text">How Do You Transfer A Balance From One Credit Card To Another?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>First, choose the card you want to transfer a balance to. If you’re applying for a new balance transfer card online, you’ll have the option to choose to transfer a balance to the new card during the application process. Otherwise, you can speak to an agent at the issuing bank for your new card to make the transfer.</p> <p>Be sure to read the card’s fine print and understand the terms and conditions of the card you’re transferring a balance to. Things to look for include:</p> <ul> <li>Is there a balance transfer fee?</li> <li>How long are the terms of any introductory low or zero-APR offer?</li> <li>What’s the card’s ongoing interest rate after the intro period expires?</li> </ul> <p>Be aware that you won’t actually find out how much of a credit limit you’ll have on the new card until after you apply. This is important because you may not get approved for a line of credit as large as the amount you’re looking to transfer.</p> </div> </div> <div class="faqs"> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewbox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round"/> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> <svg width="18" height="2" viewbox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> </div> <h3 class="question-text">Does A Balance Transfer Affect Your Credit Score</h3> </div> <div class="faq-answer wysiwyg-content"> <p>A balance transfer can affect your credit score for two reasons. First, if you’re applying for a new card to transfer a balance to, the credit report an issuer pulls to determine whether or not to approve you can <a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/8-ways-youre-hurting-your-credit-score-without-knowing-it/">hurt your score</a>.</p> <p>Additionally, if you’re approved for the card and transfer an amount equal to the maximum credit limit on the new card, it will have an adverse effect on your overall debt-to-available-credit ratio, or <a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/a-60-second-guide-to-credit-utilization/">credit utilization</a>. In other words, if you max out the new card by doing a balance transfer, that isn’t good for your score either.</p> </div> </div> <div class="faqs"> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewbox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round"/> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> <svg width="18" height="2" viewbox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> </div> <h3 class="question-text">How Many Times Can You Balance Transfer From The Same Card?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>The number of times you can transfer a balance from the same card will depend on both the offer on the card and how much of a credit limit you have. Most introductory balance transfer offers have a set period of time where you can make a balance transfer.</p> <p>For example, if the card says it comes with a 0% APR offer on balance transfers made within 45 days of opening the account, you can make as many transfers as you like within 45 days, although you will likely have to pay a balance transfer fee each time you do so.</p> <p>You also may bump up against your credit limit on the card, which would prevent you from making any more transfers.</p> </div> </div> <div class="faqs"> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewbox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round"/> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> <svg width="18" height="2" viewbox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> </div> <h3 class="question-text">Who Can Qualify For A Balance Transfer Card?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>Balance transfer offers are typically reserved for those with good to excellent credit. There is a small handful of cards with low interest offers available to those with fair credit, although these are typically through credit unions which have different underwriting criteria then traditional banks. If you’re <a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/sites/advisor/2020/07/09/denied-for-0-apr-offer-on-a-credit-card-do-this-instead/#544b6473564d">denied for a balance transfer card</a> and thought your credit was strong enough to get approved, there are steps you can take, including working on <a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/personal-finance/5-ways-to-increase-your-fico-score/">improving your credit</a>.</p> </div> </div> <div class="faqs"> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewbox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round"/> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> <svg width="18" height="2" viewbox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> </div> <h3 class="question-text">What Should I Look For In A Balance Transfer Card?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>Ideally, you’ll search for a balance transfer card with low or no balance transfer fees to minimize the cost when you do a transfer. Also, you’ll need to choose a bank other than the one you’re looking to transfer debt from since banks won’t let you transfer debt from one of their cards to another. Finally, consider the length of your balance transfer. The longer it is, the more time you’ll have to pay off your debt before interest piles up.</p> </div> </div> <div class="faqs"> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewbox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round"/> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> <svg width="18" height="2" viewbox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round"/> </svg> </div> <h3 class="question-text">Is There A Limit To How Much You Can Transfer?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>Yes, but the limit is determined by the issuing bank and your creditworthiness. For example, Chase caps balance transfers at $15,000 within a 30-day limit. But there’s no guarantee on any card that you’ll get approved for a limit on a new card that high. If you’re only approved for, say, a $5,000 limit on a balance transfer card with any bank, then $5,000 is going to be the maximum amount of debt you can carry on the new card.</p> <p>Also remember that any balance transfer fees will count as your limit and have to be factored in when doing a transfer. So, if you’re approved for a $5,000 credit limit but there’s a 5% balance transfer fee, you’ll only be able to transfer $4,750, since you’ll have to include a $237.50 balance transfer fee.</p> </div> </div> </div> <script> $(function() { $('.faq-question').off('click').on('click', function() { var parent = $(this).parents('.faqs'); var faqAnswer = parent.find('.faq-answer'); if (parent.hasClass('clicked')) { parent.removeClass('clicked'); } else { parent.addClass('clicked'); } faqAnswer.slideToggle(); }); }) </script></div><hr/> <div id="other_credit_cards_to_be_considered_section" class="article-section"> <h2>Other Credit Cards To Be Considered</h2> <div class="section-content wysiwyg-content blue-bullets "> <ul> <li><a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/best/first-credit-card/">Best First Credit Cards To Build Credit</a></li> <li><a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/best/good-credit/">Best Credit Cards For Good Credit</a></li> <li><a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/the-pros-and-cons-of-balance-transfer-credit-cards/">The Pros and Cons of Balance Transfer Credit Cards</a></li> <li><a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/how-to-make-a-balance-transfer-card-work-for-you/">How to make a Balance Transfer Card work for you</a></li> <li><a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/credit-cards/balance-transfer-cards-for-holiday-debt/">Should you Transfer Holiday Debt to a Balance Transfer Credit Card?</a></li> </ul> </div> </div> </div> <div class="article__editors-note article__editors-note-bottom"> Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our <a class="disclosure-link" title="Advertiser Disclosure" target="_blank" href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/advertiser-disclosure/">partners</a>. </div> <div class="contrib bottom-contrib-block"> <style> .article__author-bio-top .author__block{display: flex; align-items: center;} .article__author-bio-top .author__block-content { font-family: 'Work Sans', sans-serif;} .article__author-bio-top .author__block-content .author__block-name{padding-right: 10px; font-weight: 500;} .article__author-bio-top .author__block-content .author__block-role{margin-left: 0;} .article__author-bio-bottom > p > a { color: #003891;} .article__author-bio-bottom > p > a:hover { text-decoration: underline;} .article__author-bio-bottom > p > strong, .article__author-bio-bottom > p > b { font-weight: bold;} .article__author-bio-bottom > p > s, .article__author-bio-bottom > p > strike { text-decoration: strike-through;} </style> <div class="article__author-bio"> <div class="single-author"> <div class="article__author-bio-top"> <div class="author__block author__block-no-border author__block-no-margin"> <div class="author__block-image-wrap"> <a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/author/rsfrankel/" title="Robin Saks Frankel" target="_blank"> <img class="lozad avatar avatar-64 wp-user-avatar wp-user-avatar-64 photo" src="/web/20210528124736im_/https://www.forbes.com/advisor/credit-cards/best/balance-transfer/" data-img-src="https://web.archive.org/web/20210528124736/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/03/Robin-Jan-2017-Headshot-min-1-2-88x88.jpg" width="64" height="64" alt="Robin Saks Frankel"> </a> </div> <div class="author__block-content"> <div class="author-heading"> <a href="https://web.archive.org/web/20210528124736/https://www.forbes.com/advisor/author/rsfrankel/" target="_blank" class="author__block-name">Robin Saks Frankel</a> </div> <span class="author__block-role">Forbes Advisor Staff</span> </div> </div> </div> <div class="article__author-bio-bottom"> <p> Robin Saks Frankel is a credit cards and personal finance writer for Forbes Advisor. Previously, she covered credit cards and related content at other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, and has appeared on or contributed to Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. Follow her on Twitter at @robinsaks. </p> </div> </div>  </div> </div> <div class="article_published_date" style="font-family:'Work Sans',Arial,Helvetica,sans-serif;font-size: 12px;line-height: 18px;color: #929A9B;margin: 20px 0;"> First Published: May 24, 2021, 4:22pm</div> <div class="tooltip_templates"> <div id="credit_tooltip_content"> Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed. </div> <div id="welcomebonus_tooltip_content_3686" class="wb_tooltip"> None </div> <div id="welcomebonus_tooltip_content_15142" class="wb_tooltip"> None </div> <div id="welcomebonus_tooltip_content_33258" class="wb_tooltip"> N/A </div> <div id="welcomebonus_tooltip_content_109391" class="wb_tooltip"> N/A </div> <div id="welcomebonus_tooltip_content_19962" class="wb_tooltip"> Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com </div> <div id="welcomebonus_tooltip_content_12396" class="wb_tooltip"> None </div> <div id="welcomebonus_tooltip_content_13915" class="wb_tooltip"> None </div> <div id="welcomebonus_tooltip_content_72242" class="wb_tooltip"> N/A </div> </div> </div> </div> <script 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"Answer", "text": "<p>A balance transfer lets you save on existing high-interest debt by transferring your balance to a card with a lower interest rate or one with <a href=\"https:\/\/www.forbes.com\/advisor\/credit-cards\/what-is-a-0-apr-credit-card\/#:~:text=Robin%20Saks%20Frankel%20is%20a,finance%20writer%20for%20Forbes%20Advisor.&text=A%200%25%20APR%20credit%20card%20is%20one%20that%20offers%20an,purchases%2C%20balance%20transfers%20or%20both.\">a 0% APR<\/a> offer on balance transfers. Sometimes, there is a balance transfer fee to move debt from one card to another, typically between 3% to 5% of the amount being transferred.<\/p>\n<p>This fee will add on to your debt load, so do the math before deciding to transfer your debt to another card. If the amount you\u2019re paying in balance transfer fees is greater than what you\u2019d save on interest by doing the transfer, then it\u2019s probably not a good money move.<\/p>\n" } },{ "@type": "Question", "name": "How Long Do Balance Transfers Take?", "acceptedAnswer": { "@type": "Answer", "text": "<p>It typically takes anywhere from two to seven days for your transfer request to be completed, but it depends on the issuer of the card you\u2019re seeking to transfer a balance to.<\/p>\n<p>For example, American Express says it typically takes from five to seven days for a transfer from another bank to be completed but it could take as long as six weeks. Citibank says on its site it can take from two to 21 days and Chase says most transfers are complete within two weeks.<\/p>\n<p>The exact time for your transfer will likely depend on both the bank you\u2019re transferring the debt to and the bank you\u2019re transferring the debt from.<\/p>\n" } },{ "@type": "Question", "name": "How Does A Balance Transfer Card Work?", "acceptedAnswer": { "@type": "Answer", "text": "<p>The main goal of a balance transfer is to save money on existing debt. A <a href=\"https:\/\/www.forbes.com\/advisor\/credit-cards\/how-to-make-a-balance-transfer-card-work-for-you\/\">balance transfer card can save money<\/a> by allowing you to transfer your debt to a new credit card ideally with a lower rate. Once you\u2019ve transferred the debt, you\u2019ll make payments to the new card. Ideally, you wouldn\u2019t charge anything to your new balance transfer card so you can focus on paying down the balance.<\/p>\n<p>Since most (but not all) credit cards come with balance transfer fees, it typically only makes sense to make this move if the new card has a lower interest rate than your existing debt or comes with a low promotional offer on the new card.<\/p>\n" } },{ "@type": "Question", "name": "How Do You Transfer A Balance From One Credit Card To Another?", "acceptedAnswer": { "@type": "Answer", "text": "<p>First, choose the card you want to transfer a balance to. If you\u2019re applying for a new balance transfer card online, you\u2019ll have the option to choose to transfer a balance to the new card during the application process. Otherwise, you can speak to an agent at the issuing bank for your new card to make the transfer.<\/p>\n<p>Be sure to read the card\u2019s fine print and understand the terms and conditions of the card you\u2019re transferring a balance to. Things to look for include:<\/p>\n<ul>\n<li>Is there a balance transfer fee?<\/li>\n<li>How long are the terms of any introductory low or zero-APR offer?<\/li>\n<li>What\u2019s the card\u2019s ongoing interest rate after the intro period expires?<\/li>\n<\/ul>\n<p>Be aware that you won\u2019t actually find out how much of a credit limit you\u2019ll have on the new card until after you apply. This is important because you may not get approved for a line of credit as large as the amount you\u2019re looking to transfer.<\/p>\n" } },{ "@type": "Question", "name": "Does A Balance Transfer Affect Your Credit Score", "acceptedAnswer": { "@type": "Answer", "text": "<p>A balance transfer can affect your credit score for two reasons. First, if you\u2019re applying for a new card to transfer a balance to, the credit report an issuer pulls to determine whether or not to approve you can <a href=\"https:\/\/www.forbes.com\/advisor\/credit-cards\/8-ways-youre-hurting-your-credit-score-without-knowing-it\/\">hurt your score<\/a>.<\/p>\n<p>Additionally, if you\u2019re approved for the card and transfer an amount equal to the maximum credit limit on the new card, it will have an adverse effect on your overall debt-to-available-credit ratio, or <a href=\"https:\/\/www.forbes.com\/advisor\/credit-cards\/a-60-second-guide-to-credit-utilization\/\">credit utilization<\/a>. In other words, if you max out the new card by doing a balance transfer, that isn\u2019t good for your score either.<\/p>\n" } },{ "@type": "Question", "name": "How Many Times Can You Balance Transfer From The Same Card?", "acceptedAnswer": { "@type": "Answer", "text": "<p>The number of times you can transfer a balance from the same card will depend on both the offer on the card and how much of a credit limit you have. Most introductory balance transfer offers have a set period of time where you can make a balance transfer.<\/p>\n<p>For example, if the card says it comes with a 0% APR offer on balance transfers made within 45 days of opening the account, you can make as many transfers as you like within 45 days, although you will likely have to pay a balance transfer fee each time you do so.<\/p>\n<p>You also may bump up against your credit limit on the card, which would prevent you from making any more transfers.<\/p>\n" } },{ "@type": "Question", "name": "Who Can Qualify For A Balance Transfer Card?", "acceptedAnswer": { "@type": "Answer", "text": "<p>Balance transfer offers are typically reserved for those with good to excellent credit. There is a small handful of cards with low interest offers available to those with fair credit, although these are typically through credit unions which have different underwriting criteria then traditional banks. If you\u2019re <a href=\"https:\/\/www.forbes.com\/sites\/advisor\/2020\/07\/09\/denied-for-0-apr-offer-on-a-credit-card-do-this-instead\/#544b6473564d\">denied for a balance transfer card<\/a> and thought your credit was strong enough to get approved, there are steps you can take, including working on <a href=\"https:\/\/www.forbes.com\/advisor\/personal-finance\/5-ways-to-increase-your-fico-score\/\">improving your credit<\/a>.<\/p>\n" } },{ "@type": "Question", "name": "What Should I Look For In A Balance Transfer Card?", "acceptedAnswer": { "@type": "Answer", "text": "<p>Ideally, you\u2019ll search for a balance transfer card with low or no balance transfer fees to minimize the cost when you do a transfer. Also, you\u2019ll need to choose a bank other than the one you\u2019re looking to transfer debt from since banks won\u2019t let you transfer debt from one of their cards to another. Finally, consider the length of your balance transfer. The longer it is, the more time you\u2019ll have to pay off your debt before interest piles up.<\/p>\n" } },{ "@type": "Question", "name": "Is There A Limit To How Much You Can Transfer?", "acceptedAnswer": { "@type": "Answer", "text": "<p>Yes, but the limit is determined by the issuing bank and your creditworthiness. For example, Chase caps balance transfers at $15,000 within a 30-day limit. But there\u2019s no guarantee on any card that you\u2019ll get approved for a limit on a new card that high. If you\u2019re only approved for, say, a $5,000 limit on a balance transfer card with any bank, then $5,000 is going to be the maximum amount of debt you can carry on the new card.<\/p>\n<p>Also remember that any balance transfer fees will count as your limit and have to be factored in when doing a transfer. 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var headElement = document.head || document.getElementsByTagName("head")[0]; headElement.appendChild(link); } catch (e) { } } } function isHintSupported(hint) { try { return document.createElement('link').relList.supports(hint); } catch (e) { } return false; } return { injectHostNameHint: injectHostNameHint, isHintSupported: isHintSupported }; })(util); var domUtil = (function (util) { function getHostnameFromUrl(url) { var urlParts; if (url.indexOf("//") > -1) { urlParts = url.split('/'); url = urlParts[0] + "//" + urlParts[2]; return url; } } /** * Extract hostname from the anchor element * @param element * @returns {string|*} */ function getHostnameOfAnchorElement(element) { if (util.isSet(element.origin)) { return element.origin; } else if (util.isSet(element.protocol) && util.isSet(element.hostname)) { return element.protocol + "//" + element.hostname; } else if (util.isSet(element.href)) { return getHostnameFromUrl(element.href); } } return { getHostnameOfAnchorElement: getHostnameOfAnchorElement }; })(util); var preconnectHandler = (function (hintUtil, eventLib, domUtil) { var preconnectedHostsList = {}; function injectSerpPreconnectHint(hostname) { hintUtil.injectHostNameHint("preconnect", hostname); addHostnameToPreconnectedList(hostname); } /** * Inject Serp Pre-connect hint for hostname's not pre-connected * Adds hostname to the list of pre-connected hostname's * Removes hostname from the list of pre-connected hostname's after timeout * @param event */ function preconnectEventHandler(event, element, preconnectEvent) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isPreconnectedHostname(hostname)) { injectSerpPreconnectHint(hostname); eventLib.removeEvent(element, "mouseover", preconnectEvent); eventLib.removeEvent(element, "touchstart", preconnectEvent); setTimeout(function () { removeHostnameFromPreconnectedList(hostname); attachHoverListener(element); }, 10000); } } /** * Add event to the element if the element's hostname is not pre-connected * @param element */ function attachHoverListener(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); var preconnectEvent = (function (element) { return function (event) { preconnectEventHandler(event, element, preconnectEvent); }; })(element); if (!isPreconnectedHostname(hostname)) { eventLib.addEvent(element, "mouseover", preconnectEvent); eventLib.addEvent(element, "touchstart", preconnectEvent); } } /** * Removes hostname from the list of pre-connected hostname's * @param hostname */ function removeHostnameFromPreconnectedList(hostname) { preconnectedHostsList[hostname] = 0; } /** * Adds hostname to the list of pre-connected hostname's * @param hostname */ function addHostnameToPreconnectedList(hostname) { preconnectedHostsList[hostname] = 1; } /** * Checks if the hostname is pre-connected or not * @param hostname * @returns {boolean} */ function isPreconnectedHostname(hostname) { return preconnectedHostsList[hostname] === 1; } /** * Attaches eventAction Event to the element passed * @param eventAction * @param element */ function initialisePreconnectSetup(eventAction, element) { if (eventAction == "hover") { attachHoverListener(element); } } function isSupported() { return hintUtil.isHintSupported("preconnect"); } return { initialisePreconnectSetup: initialisePreconnectSetup, isSupported: isSupported }; })(hintUtil, eventLib, domUtil); var dnsPrefetchHandler = (function (hintUtil, domUtil) { var dnsPrefetchedHostsList = {}; function initialiseDnsPrefetchSetup(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isDnsPrefetchedHostname(hostname)) { hintUtil.injectHostNameHint("dns-prefetch", hostname); addHostnameToDnsPrefetchedList(hostname); } } /** * Adds hostname to the list of dns pre-fetched hostname's * @param hostname */ function addHostnameToDnsPrefetchedList(hostname) { dnsPrefetchedHostsList[hostname] = 1; } /** * checks if hostname is dns pre-fetched or not * @param hostname * @returns {boolean} */ function isDnsPrefetchedHostname(hostname) { return dnsPrefetchedHostsList[hostname] === 1; } function isSupported() { return hintUtil.isHintSupported("dns-prefetch"); } return { initialiseDnsPrefetchSetup: initialiseDnsPrefetchSetup, isSupported: isSupported }; })(hintUtil, domUtil); var init = function(anchorElement){ if (preconnectHandler.isSupported()) { preconnectHandler.initialisePreconnectSetup("hover", anchorElement); } if (dnsPrefetchHandler.isSupported()) { dnsPrefetchHandler.initialiseDnsPrefetchSetup(anchorElement); } } return { init : init } })(); </script><script src="https://web.archive.org/web/20210528124736js_/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/js/plugins/xss.min.js"></script> <script> window._isRouteM = false; </script> <script> var __cookieController = (function () { function getSubDomain() { var hostName = window.location.hostname; if (!!hostName) { var parts = hostName.split('.'); if (parts.length > 2) { parts.shift(); } hostName = parts.join('.'); } return hostName; } /* * Read a cookie value * */ function get(name) { var start = document.cookie.indexOf(name + "="); var len = start + name.length + 1; if ((!start) && (name !== document.cookie.substring(0, name.length))) { return null; } if (start === -1) { return null; } var end = document.cookie.indexOf(";", len); if (end === -1) { end = document.cookie.length; } var cookieVal = document.cookie.substring(len, end); if (typeof filterXSS === 'function') { cookieVal = filterXSS(cookieVal, { stripIgnoreTagBody: true }); } return cookieVal; } /* * Create a cookie for forbes.com dommain * */ function set(name, value, expireInDays) { var today = new Date(), path = '/', domain = '.' + getSubDomain(); today.setTime(today.getTime()); if (expireInDays) { expireInDays = expireInDays * 1000 * 60 * 60 * 24; } var expireDate = new Date(today.getTime() + (expireInDays)); document.cookie = name + "=" + escape(value) + ((expireInDays) ? ";expires=" + expireDate.toGMTString() : "") + ((domain) ? ";domain=" + domain : "") + ((path) ? ";path=" + path : ""); } return { get: get, set: set, } })(); var __helper = (function () { /* * Get Host name from url * */ function getHostname(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return null; } /* * Get Query Parameter * */ function getQueryParameterValue(field, url) { var href = url ? url : window.location.href; var reg = new RegExp('[?&]' + field + '=([^&#]*)', 'i'); var string = reg.exec(href); return string ? string[1] : null; } /* * Checks for empty values * Example : '' | "" | null | undefined | false * */ function empty(val) { return val === '' || val === null || typeof val == 'undefined' || val === false; } /* * Generate values between two numbers exclusive of the range * */ function getRandomInt(min, max) { min = Math.ceil(min); max = Math.floor(max); return Math.floor(Math.random() * (max - min)) + min; } return { getHostname: getHostname, getQueryParameterValue: getQueryParameterValue, empty: empty, getRandomInt: getRandomInt, } })(); var __linkTrackingController = (function (__cookie, __util, __prefetch) { var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid'; var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt'; var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc'; var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname'; var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval'; var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var POLICYGENIUS_HOST = "policygenius.go2cloud.org"; var CM_PREFIX_ID = '_spid'; var E2E_REDIRECT_URL = 'https://web.archive.org/web/20210528124736/https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r='; /* * Generate a hash code from a string * */ String.prototype.hashCode = function () { var hash = 0; if (this.length === 0) return hash; for (i = 0; i < this.length; i++) { char = this.charCodeAt(i); hash = ((hash << 5) - hash) + char; hash = hash & hash; } if (hash < 0) return "N" + (hash * -1); else return "P" + hash; }; /* * Get Utm params Mapping * */ function getUtmSourceClickIdParamMapping() { return { "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"], "taboola": ["tcid"], "bing": ["msclkid"], "kw": ["fbclid"], "facebook": ["fbclid"] }; } function getValidClickIdParams() { return ["gclid"]; } /** * Returns object with parameter and value * Example : ob_click_id=jfkjkfjskafjkj * returns : { param: ob_click_id , value:jfkjkfjskafjkj } */ function getOgUtmParamValuePair() { var trackingParamsObj = { param: '', value: '' }; var utmSource = __util.getQueryParameterValue('utm_source'); if (!!utmSource) { utmSource = utmSource.toLowerCase(); var utmParamMappinArray = getUtmSourceClickIdParamMapping(); if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) { for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) { var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]); if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } /** * If no valid param mapping found in url check for valid click id */ if( ! trackingParamsObj.value && ! trackingParamsObj.param ){ /** * Check for valid click ID in the url If found return the id and value */ var clickIdParam = getValidClickIdParams(); for(var i = 0; i < clickIdParam.length; i++){ var clickIdFromUrl = __util.getQueryParameterValue(clickIdParam[i]); if(!!clickIdFromUrl){ trackingParamsObj.param = clickIdParam[i]; trackingParamsObj.value = clickIdFromUrl; break; } } } return trackingParamsObj; } function generateHashFromOgParam(paramsObj) { if (!!paramsObj.value && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); return hashInput.hashCode(); } return ''; } /** * This function return user id * If found in cookie returns the cookie value * If not found in cookie generated a user id * If og params are invalid return empty string */ function getUserIdHashFromOgParam() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (!!paramsObj.param && !!paramsObj.value) { var paramFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_PARAM); var paramValueFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_VALUE); //Get user id from cookie if found if ( !!paramFromCookie && !!paramValueFromCookie && paramsObj.param === paramFromCookie && paramsObj.value === paramValueFromCookie ) { var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); if (!!userIdFromCookie){ hash = userIdFromCookie; } } //If user id is not present in cookie generate one if (!hash) { hash = generateHashFromOgParam(paramsObj); } } window.dataLayer.push({ 'cd': { 'OriginalTrackingParam': paramsObj.param, 'OriginalTrackingParamValue': paramsObj.value, } }); return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /** * Tid From Utm Param * */ function getUserIdHashForPartnership(){ var userid = ''; var partnershipMap = { partnership:'P' }; var utmMediumParam = __util.getQueryParameterValue('utm_medium'); //generate new user id if(!!utmMediumParam && partnershipMap.hasOwnProperty(utmMediumParam)){ userid = getDefaultUserIdHash(); userid = userid + partnershipMap[utmMediumParam]; userid = userid.toUpperCase(); } return userid; } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { suffix = suffix || ''; var rand = __util.getRandomInt(100000000, 999999999); var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000)); return timestamp.concat(rand); } /** * Add a query string to url */ function addQueryString(param) { var url; if (param.hasOwnProperty('url') && !__util.empty(param.url)) { url = param.url; } if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) { if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) { var tidFromurl = __util.getQueryParameterValue(param.parameterName, url); url = url.replace(param.parameterName + '=' + tidFromurl, param.parameterName + '=' + param.parameterValue); } else { //if parameter is not found if (url.indexOf('?') !== -1) { url = url + '&' + param.parameterName + '=' + param.parameterValue; } else { url = url + '?' + param.parameterName + '=' + param.parameterValue; } } } return url; } /** * @param link * @param attributes */ function setAttributesToLink(link, attributes) { if (!!link && typeof attributes === 'object') { for (var prop in attributes) { if (attributes.hasOwnProperty(prop) && !!attributes[prop]) { link.setAttribute(prop, attributes[prop]); } } } return link; } /** * Appends tracking ID to provided url * Checks for topics | bankrate url * @param url * @param hostName * @param trackingId * * @return string */ function appendTrackingId(url, hostName, trackingId) { var urlWithTrackingID; if (E2E_HOST === hostName) { var affiliateLink = __util.getQueryParameterValue('r', url); if (!!affiliateLink) { affiliateLink = decodeURIComponent(affiliateLink); affiliateLink = addQueryString({ url: affiliateLink, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID; urlWithTrackingID += window._isRouteM ? '&extPrvL1=1&requrl='+encodeURIComponent(window.location.href) : ''; }else{ urlWithTrackingID = url; } } else if (BANKRATE_HOST === hostName) { url = addQueryString({ url: url, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; urlWithTrackingID += window._isRouteM ? '&extPrvL1=1&requrl='+encodeURIComponent(window.location.href) : ''; } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: trackingId, override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Get Tid for partnership var tidForPartnership = getUserIdHashForPartnership(); if (!!tidForPartnership) { userid = tidForPartnership; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromOgParam(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); function getUtmSource(ogParamObj) { var utmSource = ''; var clickIdUtmSourceMapping = { "gclid": "google" }; if(!!clickIdUtmSourceMapping[ogParamObj.param]){ utmSource = clickIdUtmSourceMapping[ogParamObj.param]; }else{ utmSource = __util.getQueryParameterValue('utm_source'); } return utmSource; } /** * Set Cookie Values * fadve2etid = USERID | Generated from Client Side script * fadve2etidvcnt = 1 | Increments on every page refresh * fadve2esrc = utm_source * fadve2etid_oname = gclid * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as */ function setCookie() { //Get user id Hash var userIDHash = USER_ID_HASH; //Number of days to store cookies var noOfDays = 1; //Get userid from cookie var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); /** * Set Cookie Values * If cookie is not present then create one * If the value of userIDHash is different from the cookie value than update the value */ if (__util.empty(userIdFromCookie) || userIDHash !== userIdFromCookie) { //create cookie for userid __cookie.set(E2E_COOKIE_ADVISOR_USER_ID, userIDHash, noOfDays); //set user visit count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, 1, noOfDays); var ogParamObj = getOgUtmParamValuePair(); //set og param Example: og_click_id if (ogParamObj.hasOwnProperty('param') && !__util.empty(ogParamObj.param)) { __cookie.set(E2E_COOKIE_ORIGINAL_TID_PARAM, ogParamObj.param, noOfDays); } //set og param value if (ogParamObj.hasOwnProperty('value') && !__util.empty(ogParamObj.value)) { __cookie.set(E2E_COOKIE_ORIGINAL_TID_VALUE, ogParamObj.value, noOfDays); } //set utm source if exist var utmSource = getUtmSource(ogParamObj); if (!__util.empty(utmSource)) { __cookie.set(E2E_COOKIE_ADVISOR_UTM, utmSource, noOfDays); } } else { //get user visit count var userVisitCount = __cookie.get(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT); userVisitCount = parseInt(userVisitCount); userVisitCount++; //set incremented visitor count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, userVisitCount, noOfDays) } } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function getTrackingIdHash() { var hashes = {}; var uniqueIdHash = ( window._isRouteM ) ? getUniqueId('d') : getUniqueId('c'); hashes.uid = uniqueIdHash; hashes.tid = USER_ID_HASH + '_' + uniqueIdHash; return hashes; } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function setTrackingId(elSelector) { var elementSelector = elSelector || 'body a'; var links = document.querySelectorAll(elementSelector); if (links.length > 0) { for (var x = 0; x < links.length; x++) { var link = links[x]; var url = link.getAttribute('href'); //get hostname var hostName = __util.getHostname(url); if (!!url && !!hostName && (hostName === E2E_HOST || hostName === BANKRATE_HOST || hostName === POLICYGENIUS_HOST)) { if( hostName !== POLICYGENIUS_HOST ) { __prefetch.init(link); } //Generate Tracking ID var idsObj = getTrackingIdHash(); //append tracking id url = appendTrackingId(url, hostName, idsObj.tid); //set tracking attributes link = setAttributesToLink(link, { "href": url, "rel": "nofollow", "target": "_blank", "data-uid": USER_ID_HASH, "data-cid": idsObj.uid, "data-tid": idsObj.tid, }); } } } } return { setCookie: setCookie, setTrackingId: setTrackingId, getUserIdHash: getUserIdHash, USER_ID_HASH: USER_ID_HASH, getUniqueId: getUniqueId, getTrackingIdHash: getTrackingIdHash } })(__cookieController, __helper, __linkprefetch); //set cookie values __linkTrackingController.setCookie(); function detectIsIE(){ var ua = window.navigator.userAgent; var msie = ua.indexOf("MSIE "); // IE browser check if (msie > 0 || !!navigator.userAgent.match(/Trident.*rv\:11\./)) { return true; } return false; } document.addEventListener('DOMContentLoaded', function () { //set user id __linkTrackingController.setTrackingId(); var event; // The 'new Event' code is not supported in IE so update code for IE if(detectIsIE()){ event = document.createEvent('Event'); event.initEvent('tidSet', true, true); } else{ event = new Event('tidSet'); } window.dispatchEvent(event); }); </script> <script> window.shortcodesOnPage = window.shortcodesOnPage || []; window.shortcodesOnPage.push('card_annual_fee'); </script> <script> window.shortcodesOnPage = window.shortcodesOnPage || []; window.shortcodesOnPage.push('card_intro_apr_balance_transfer'); </script> <script> window.shortcodesOnPage = window.shortcodesOnPage || []; window.shortcodesOnPage.push('card_regular_apr_min'); </script> <script> window.shortcodesOnPage = window.shortcodesOnPage || []; window.shortcodesOnPage.push('card_regular_apr_max'); </script> <script> window.shortcodesOnPage = window.shortcodesOnPage || []; window.shortcodesOnPage.push('card_balance_transfer_fees'); </script> <script> window.shortcodesOnPage = window.shortcodesOnPage || []; window.shortcodesOnPage.push('card_annual_fee'); </script> <script> window.shortcodesOnPage = window.shortcodesOnPage || []; window.shortcodesOnPage.push('card_intro_apr_value'); </script> <script> window.shortcodesOnPage = window.shortcodesOnPage || []; window.shortcodesOnPage.push('card_purchase_intro_apr_period_value'); </script> <script> window.shortcodesOnPage = window.shortcodesOnPage || []; 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