CompareFairlyBest Balance Transfer Credit Cards 2026
Our pick : U.S. Bank Visa Platinum Card (88/100) · Cheapest : U.S. Bank Visa Platinum Card
Comparison table
| Criterion | U.S. Bank Visa Platinum Card | Wells Fargo Reflect Card | Citi Simplicity Card | Discover it Balance Transfer | Bank of America Customized Cash Rewards credit card | Amex EveryDay® Credit Card |
|---|---|---|---|---|---|---|
| Introductory 0% APR Period (mois) | 20 | 21 | 18 | 18 | 15 | 15 |
| Balance Transfer Fee (%) | 3 | 5 | 3 | 3 | 3 | 3 |
| Annual Fee (USD) | 0 | 0 | 0 | 0 | 0 | 0 |
| Regular APR After Intro Period (%) | 17.24 | 17.24 | 17.24 | 17.24 | 17.24 | 17.24 |
| Credit Score Required | Good | Good | Good | Good | Good | Good |
| Card Issuer | U.S. Bank | Wells Fargo | Citibank | Discover | Bank of America | American Express |
| Rewards Program | None | None | None | Cash Back | Cash Back | Points |
| Intro apr balance transfer | 0 | 0 | 0 | 0 | 0 | 0 |
In short
This comparison evaluates 11 balance transfer options based on 7 criteria, including the introductory 0% APR period, balance transfer fee, annual fee, regular APR after the intro period, required credit score, and card issuer. The U.S. Bank Visa Platinum Card ranks highest with a score of 88/100, primarily due to its perfect score for the balance transfer fee and a strong score for the introductory 0% APR period. Following closely is the Wells Fargo Reflect Card with a score of 82/100, which excels in its introductory 0% APR period. The U.S. Bank Visa Platinum Card is also identified as the most affordable option. It's important to note that while data for 2 out of the 11 options is sourced, the remaining values are estimates and are flagged as such. The facts in this summary are computed from the table below; only the wording is generated.
Frequently asked questions
What are the best balance transfer credit cards in 2026?
The top balance transfer credit cards in 2026 include options like the U.S. Bank Visa Platinum Card and the Wells Fargo Reflect Card, offering competitive introductory 0% APR periods.
How do I choose a balance transfer credit card?
Consider the length of the introductory 0% APR period, the balance transfer fee, any annual fees, and the regular APR after the intro period ends to find the best fit for your needs.
Are balance transfer credit cards worth it?
Yes, balance transfer credit cards can be very useful for saving money on interest if you can pay off your balance within the introductory 0% APR period, especially if the transfer fee is low.
How is your balance transfer card ranking determined?
Our rankings are based on a neutral, data-driven approach, evaluating each card's features against key criteria without any influence from card issuers or paid placements.
Methodology and transparency
Ranking: options are sorted on measured, sourced criteria. No position is ever sold, and no advertiser pays to appear here.
Scope: this comparison is not exhaustive. It presents the options our sources document, not every offer on the market.
Earnings: some outbound links may be affiliate links that earn us a commission. This never affects the ranking, the scores or the data.
Data: every value is linked to its source and refreshed automatically; the collection date is shown.