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Best Balance Transfer Credit Cards of May 2019

A balance transfer credit card can help make your credit card debt more manageable and a lot less costly. These cards offer a low or even 0% APR for many months, so you can move over some of your high-interest credit card debt and cut your interest charges by hundreds, maybe even thousands of dollars. The best balance transfer cards have the lowest interest rates that last longest, and have reasonable fees for transferring debt to the new card. And you may even earn some rewards.

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Best Card Offers for May 2019

 Best Balance Transfer Cards

The Blue Business℠ Plus Credit Card from American Express
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The Blue Business℠ Plus Credit Card from American Express is a solid choice for the entrepreneur who's looking for a card with flexibility, low costs and opportunities to earn extra rewards on everyday business purchases.

Key benefits:

Earn 2X Membership Rewards® points on office supplies, client dinners and other typical business spending, up to $50,000 in those purchases each year. Then, earn 1 point for every dollar spent. The card comes with Expanded Buying Power that allows cardholders to go beyond their credit limit --- and earn more rewards in the process.

A cardholder's ability to exceed the credit limit is determined by his or her payment history, credit record and other factors. No annual fee for this card, which also has a 0% introductory APR on purchases and balance transfers for 15 months.

Barclaycard Ring® Mastercard®
Credit Rating Needed:
Good/Excellent
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Who it's good for:

The Barclaycard Ring® Mastercard® works for cardholders looking to secure a low APR, as low as 14.24%, after the initial 0% APR introductory period.

Key benefits:

Barclaycard Ring® Mastercard® has the advantage of no annual fees, no foreign transaction fees, and an 0% APR on balance transfers as well.

Capital One® Quicksilver® Cash Rewards Credit Card
Credit Rating Needed:
Excellent, Good
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Who it’s good for:

The Capital One® Quicksilver® Cash Rewards Credit Card is a card for people looking for a balance transfer card---with cash back rewards.

Key benefits:

Providing unlimited 1.5% cash back, Capital One® Quicksilver® Cash Rewards Credit Card also offers 16.24% - 26.24% after $500 of purchases within 3 months of opening your account.

This card holds no annual fee, and the APR is 0% for 15 months---for balance transfers as well. After the 15-month period, the card returns to its variable APR, ranging between . Balance transfers are the same, with a 3% fee tacked on.

Capital One® SavorOne℠ Cash Rewards Credit Card
Credit Rating Needed:
Excellent, Good
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Who it's good for:

People with reasonably good credit who are interested in cash back rewards.

Key benefits:

The Capital One® SavorOne℠ Cash Rewards Credit Card offers no annual fee, no foreign transaction fees, and 0% APR on balance transfers for the first 15 months, which is a great deal. Cardholders can earn $150 Cash Back after you spend $500 on purchases within 3 months from account opening. Cardholders also earn unlimited cash back on every purchase, with bonus cash back on dining, entertainment, and grocery purchases.

Chase Freedom Unlimited®
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Chase Freedom Unlimited® Visa card is a strong choice for anyone who's in the market for either a cash-back credit card or a balance transfer card. It offers freedom from the usual cash-back restrictions and from interest on balances transferred over.

Key benefits:

The card offers unlimited and automatic 1.5% cash back on every purchase, and there's no minimum for redeeming cash back rewards. Cardholders also enjoy a 0% introductory APR for 15 months on purchases and balance transfers, then a variable APR (currently 17.24% - 25.99%). The fee on balance transfers is either $5 or 3%, whichever is greater.

Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent.. Redeem your cash back whenever, no minimums required. The annual fee is $0.

Citi Simplicity® Card - No Late Fees Ever
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Citi Simplicity® Card is good for consumers with no to low credit, who are looking to build their credit score with a basic credit card.

Key benefits:

The Citi Simplicity® Card boasts that it's the only card with no late fees, no penalty rate and no annual fee...ever.

It offers a 0% introductory APR on balance transfers for 21 months from the date of first transfer.

Cardholders can set up their own bill payment schedule on any available due date throughout the month.

Citi® Double Cash Card - 18 month BT offer
Credit Rating Needed:
Excellent, Good
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Who it's good for:

The Citi® Double Cash Card has wide appeal. It deserves a spot in the wallet of anyone who'd like to pay down debt --- or earn better than the usual cash back on every type of spending.

Key benefits:

Earn 2% cash back on purchases: 1% at the time of purchase and another 1% when it's paid off. The card also offers a 0% introductory APR on balance transfers --- for 18 months. After that, cardholders pay a variable rate, currently 15.74% - 25.74%*. Note that there is a balance transfer fee and that transfers do not earn cash back.

This card has a $0* annual fee, and the cash back couldn't be more simple: There are no caps and no categories to track.

HSBC Cash Rewards Mastercard® credit card
Credit Rating Needed:
Good, Excellent
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Who it's good for:

People with good credit who want a cash back card.

Key benefits:

The HSBC Cash Rewards Mastercard® credit card offers super compeititve APR rates for qualified applicants along with no annual fee. The Unlimited 1.5% cash reward on all purchases outpaces most cash back cards available. Plus, the card offers an introductory 3% cash back on all purchases for the first year. If that's not enough, cardholders also get a 10% Anniversary Bonus on all Cash Rewards earned once each year. A very good option for a cash back card.

HSBC Gold Mastercard® credit card
Credit Rating Needed:
Good, Excellent
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Who it's good for:

The HSBC Gold Mastercard® credit card is good for cardholders interested in transferring a balance. With no annual fee, and 0% introductory APR on purchases and balance transfers, cardholders can rest easy.

Key benefits:

The card waives late fees, which is especially great for a balance transfer card. HSBC Gold Mastercard® credit card doesn't have foreign transaction fees, and although it has a variable APR between 14.24%, 20.24%, 25.24%, there's no penalty APR.

Simmons Rewards Visa Signature®
Credit Rating Needed:
Excellent
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Who it's good for:

The Simmons Rewards Visa Signature® credit card is good for consumers with an excellent credit score looking for basic travel rewards.

Key benefits:

The Simmons Rewards Visa Signature® boasts a low APR, no annual fee and no balance transfer fee.

Cardholders will earn 1.25 points per net dollar spent, which can be redeemed for travel including hotels, cruises, vacation packages and car rentals.

Simmons Visa®
Credit Rating Needed:
Excellent
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Who it's good for:

Simmons Visa® is an excellent card for cardholders looking for a balance transfer card. The low interest rate means cardholders can pair this with their favorite rewards card and not worry if they can't pay down a balance right away.

Key benefits:

With one of the lowest APRs at 10.50%, and absolutely no balance transfer fee or annual fee, Simmons Visa® with the Simmons Visa®, and take advantage of their 0% introductory APR for 12 months. Simmons Visa® has a APR% between 10.50% after the 12-month period, and allows you to earn 5X the rewards points---redeemable in a number of popular categories.

U.S. Bank Business Platinum
Credit Rating Needed:
Excellent
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Who it's good for:

The U.S. Bank Business Platinum is good for small businesses looking for a no-frills, inexpensive balance transfer card.

Key benefits:

Enjoy 0%* for 20 billing cycles on purchases*, before reverting to the variable APR 12.24%-20.24%*. There's no annual fee, and you get free cards for your employees.