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Updated October 2026
Best Balance Transfer Credit Cards of October 2026
Move high-interest debt to a card with a long 0% intro APR and pay it down faster. These cards offer the longest interest-free periods we track.
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Our picks
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- No annual fee
- Unlimited 2% cash back
- 0% intro APR for 15 months
Rates & fees apply. Offer terms set by the issuer.
$200 cash bonus
Rates & fees apply. Offer terms set by the issuer.
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- 0% intro APR for 21 months on transfers
- No late fees or penalty APR
- No annual fee
Rates & fees apply. Offer terms set by the issuer.
0% APR for 21 months
Rates & fees apply. Offer terms set by the issuer.
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- 0% intro APR on purchases and transfers
- Low ongoing APR
- 3% intro transfer fee
Rates & fees apply. Offer terms set by the issuer.
0% APR for 18 months
Rates & fees apply. Offer terms set by the issuer.
Editor’s pick
Our top balance transfer card
One of the longest 0% intro periods on balance transfers, plus no late fees and no penalty APR.
Rates & fees apply. Offer terms set by the issuer.
How we picked these cards
We compared the length of the 0% intro APR, the transfer fee, the ongoing APR and any penalty fees. All cards on this list have no annual fee.
How to use a balance transfer card
- Transfer early. Most cards require transfers to post within 60 days to 4 months to get the intro rate.
- Divide and conquer. Divide your balance by the number of 0% months to find your monthly payment.
- Don’t add new debt. Avoid new purchases on the card you transferred from.
- Count the fee. A 3% to 5% fee is usually far less than the interest you would pay otherwise.
Ledgerly tip
Not sure which category fits you? Start with what you spend the most on each month, then compare the top card in that category.
Frequently asked questions
Does a balance transfer hurt my credit?
Applying causes a small, temporary dip. Paying down debt usually raises your score over time.
Can I transfer a balance between cards from the same bank?
Usually not. Issuers don’t allow transfers between their own cards.
What happens when the 0% period ends?
Any remaining balance starts accruing interest at the card’s regular APR.