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The best balance transfer credit cards are one of the best ways to pay off credit card debt with 0% interest. Being able to make interest-free payments for over a year can save you a small fortune in the process. The best credit cards for balance transfers 2019 offers have 0% APR promotional rates up to 21 months.
Best Balance Transfers Credit Cards 2019
Besides looking at how long the interest-free promotion period is, also compare the one-time transfer fee. This fee can be as high as 3% on the amount you transfer. Choosing a card with a lower fee lets you save some additional cash.
Also, keep in mind that you will need to transfer your existing card balance to a card issued by another bank. For instance, you will need to transfer your balance from Chase (like the ones listed in this best Chase credit card list) to a non-Chase bank like Capital One or Citi.
Citi Simplicity Card
The Citi Simplicity® Card has one of the longest balance transfer offers. You get 0% APR for 21 months from the date of the first transfer. All transfers must complete in the first 4 months. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness.
Although there isn’t an annual fee, the balance transfer fee is relatively high. You will either pay $5 or 5% of the balance transfer, whichever is higher.
Another benefit of this card is that you can choose your payment due date.
Capital One Quicksilver Cash Rewards Credit Card
The information for the Capital One® Quicksilver® Cash Rewards Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
Get 0% APR on balance transfers for the first 15 months (variable APR 15.49% – 25.49% thereafter) with the Capital One® Quicksilver® Cash Rewards Credit Card. There is a 3% fee on the amounts transferred within the first 15 months.
One reason to consider getting the Quicksilver is that you also earn 1.5% cash rewards on all purchases. Many balance transfer credit cards don’t offer purchase rewards in order to offer a longer 0% APR introductory period. So if earning cash rewards after the introductory period is something you’d like, this can be a good card to consider.
Otherwise, you might consider some of the best cash back credit cards 2019 if you want to take advantage of that credit card perk.
You won’t pay an annual fee or foreign transaction fee. By spending $500 in the first 3 months of account opening, you also get a one-time $150 cash bonus.
The information for the Chase Freedom® has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The Chase Freedom and Freedom Unlimited cards don’t have an annual fee.
The Chase Freedom® pays up to 5% cash back on rotating quarterly bonus categories (on the first $1,500 in combined spending) and 1% on everything else.
For flat-rate rewards, the Chase Freedom Unlimited® earns 1.5% back on every purchase. However, new cardholders can earn 3% cash back on all purchases in the first year, up to $20,000 spent. After that, you’ll earn 1.5% back.
The information for the Chase Freedom Unlimited® has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
Citi Double Cash Card
The Citi® Double Cash Card earns 2% cashback on every new purchase (1% at the time of purchase and 1% when you pay your statement balance). To earn the cash back, note that you must pay at least the minimum that is due on time.
There isn’t a signup bonus and you also won’t pay an annual fee.
American Express EveryDay Credit Card
The information for the American Express EveryDay Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
You might not associate American Express with balance transfer credit cards. However, the Amex EveryDay® Credit Card waives the balance transfer fee and has 0% APR for the first 15 months. The only condition is that you must request to transfer your balance in the first 60 days.
The EveryDay Card is one of the best credit cards for balance transfers 2019 because it is still useful after the 0% promotion. You earn American Express Membership Rewards points on every purchase that are most valuable when redeeming for award travel.
Plus, you can transfer American Express points them on a 1:1 basis to airlines like Delta, Emirates, and Qantas to book award flights directly through the airline to book some of the best travel deals.
You earn 2x points at U.S. supermarkets (on the first $6,000 per year, then 1%) and 1x points on everything else. By making at least 20 card purchases each billing cycle, you get a 20% bonus on your monthly earnings.
Once your credit score crosses the 740 mark, you might consider applying for the American Express Gold Card or Platinum Card from American Express to enjoy some of the best travel rewards. Both of these cards also earn Membership Rewards points you can redeem for travel.
American Express Blue Cash Everyday Card
The information for the Blue Cash Everyday Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The Blue Cash Everyday® Card offers 0% APR on transfers and purchases for the first 15 months. Transfers must be requested in the first 15 months to qualify for this 0% rate. The balance transfer fee is a competitive 3% or $5 of the balance.
You earn 3% back on the first $6,000 at U.S. supermarkets annually (then 1%) and unlimited 2% back at U.S. gas stations and select U.S. department stores. Every non-bonus purchase earns 1% back.
This is also one of the best credit cards for grocery purchases.
BankAmericard Credit Card
The BankAmericard® credit card has the best balance transfer offer for the Bank of America credit card lineup. You get 0% APR for the first 18 billing cycles for purchases and for any balance transfers during the first 60 days. A 3% fee (with a $10 minimum) applies to all balance transfers.
While this is a great promotion, it may be a good idea to consider upgrading to a rewards credit card (such as the Bank of America Travel Rewards Credit Card or one of the other best travel credit cards options) after paying off your balance to maximize new purchases.
Learn more: Balance Transfer Credit Cards
Credit Score Needed for Best Credit Cards for Balance Transfers 2019
For all of these cards, you will have the best approval odds with a 670 credit score. This is the start of having good credit. A higher credit score can also mean getting a higher card limit so you can transfer a larger amount.
Check out the best credit cards for excellent credit to get an idea of rewards credit cards you might want to consider for the future.
If you’re on the brink of missing a monthly payment, consider one of these cards now if your score is in the mid to upper 600s. It’s still possible to qualify with a lower score, although your credit limit may not be as high.
Summary of the Best Credit Cards for Balance Transfers 2019
Now is one of the best times to get a balance transfer credit card. If you can, try applying for card that also waives the balance transfer fee. Otherwise, look for the card that offers the longest introductory period so you have more time to pay off your balance in full.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
- 1 Best Balance Transfers Credit Cards 2019
- 2 Citi Simplicity Card
- 3 Capital One Quicksilver Cash Rewards Credit Card
- 4 Chase Freedom
- 5 Citi Double Cash Card
- 6 American Express EveryDay Credit Card
- 7 American Express Blue Cash Everyday Card
- 8 BankAmericard Credit Card
- 9 Credit Score Needed for Best Credit Cards for Balance Transfers 2019
- 10 Summary of the Best Credit Cards for Balance Transfers 2019