{
  "canary": "71edb7840e3a2113",
  "category": {
    "blocked": false,
    "commerce": true,
    "criteria": [
      {
        "group": "Introductory Offer",
        "key": "intro_apr_period",
        "label": "Introductory 0% APR Period",
        "poids": 5,
        "primary": true,
        "sens": "plus_haut_mieux",
        "type": "duree",
        "unit": "mois"
      },
      {
        "group": "Introductory Offer",
        "key": "intro_apr_balance_transfer",
        "label": "Introductory Balance Transfer APR",
        "poids": 4,
        "sens": "plus_bas_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Fees",
        "key": "balance_transfer_fee",
        "label": "Balance Transfer Fee",
        "poids": 4,
        "sens": "plus_bas_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Fees",
        "key": "annual_fee",
        "label": "Annual Fee",
        "poids": 3,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Ongoing Costs",
        "key": "regular_apr_balance_transfer",
        "label": "Regular Balance Transfer APR",
        "poids": 3,
        "sens": "plus_bas_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Eligibility",
        "key": "credit_score_needed",
        "label": "Credit Score Needed",
        "options": [
          "Excellent",
          "Good",
          "Fair"
        ],
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "qualitatif"
      },
      {
        "group": "Features",
        "key": "rewards_program",
        "label": "Rewards Program",
        "options": [
          "None",
          "Cash Back",
          "Points",
          "Miles"
        ],
        "poids": 1,
        "sens": "plus_haut_mieux",
        "type": "qualitatif"
      }
    ],
    "faq": [
      {
        "a": "In 2026, the top balance transfer credit cards include the Chase Slate Edge, scoring 78/100, and the Bank of America® Travel Rewards Credit Card, both offering competitive introductory APR periods and manageable fees.",
        "q": "What are the best balance transfer credit cards in 2026?"
      },
      {
        "a": "Consider the length of the introductory 0% APR period, the balance transfer fee, the annual fee, and the regular APR after the introductory period ends. Your credit score will also determine eligibility for the best offers.",
        "q": "How do I choose a balance transfer credit card?"
      },
      {
        "a": "Yes, the Chase Slate Edge is a leading choice with a strong score, featuring a favorable introductory 0% APR period and a reasonable balance transfer fee, making it attractive for managing existing debt.",
        "q": "Is the Chase Slate Edge a good option for balance transfers?"
      },
      {
        "a": "Our ranking is based on a comprehensive analysis of key criteria such as introductory APR, fees, and regular APR. We maintain strict neutrality; our rankings are not influenced by payments from card issuers, and all data is sourced.",
        "q": "How is your balance transfer card ranking determined?"
      }
    ],
    "kind": "category",
    "model": "",
    "ms": 2488,
    "neutral": false,
    "path": [
      "finance",
      "credit-cards",
      "balance-transfer"
    ],
    "price_key": "annual_fee",
    "profile_questions": [
      {
        "options": [
          "Excellent (750+)",
          "Good (700-749)",
          "Fair (650-699)",
          "Poor (Below 650)"
        ],
        "q": "What's your credit score range?"
      }
    ],
    "subject": "service",
    "suggestions": [
      "best 0% intro APR credit cards",
      "best rewards credit cards",
      "how to improve credit score",
      "credit card debt consolidation options"
    ],
    "synthese": [
      "Chase Slate Edge ranks highest with a score of 78/100, excelling in its introductory 0% APR period and regular balance transfer APR, and is also the most affordable option, while Bank of America® Travel Rewards Credit Card is second with 59/100, offering a superior rewards program.",
      "The facts in this summary are computed from the table below; only the wording is generated."
    ],
    "tier": "gold",
    "title": "Best Balance Transfer Credit Cards",
    "unranked": false,
    "visual": "logo"
  },
  "country": "US",
  "freshness": {
    "age_days": 3.4,
    "stale": false,
    "ttl_days": 14
  },
  "items": [
    {
      "badges": [
        "best_overall",
        "cheapest"
      ],
      "cons": [],
      "description": "Save on interest with a low intro APR for 21 months on purchases and balance transfers.",
      "link_url": "https://chase.com/",
      "logo_dom": "chase.com",
      "logo_url": "https://unavatar.io/chase.com?fallback=false",
      "name": "Chase Slate Edge",
      "pros": [],
      "provider": "Chase",
      "score": 78.0,
      "source_url": "https://creditcards.chase.com/balance-transfer-credit-cards",
      "subscores": {
        "balance_transfer_fee": 60.0,
        "intro_apr_period": 100.0,
        "regular_apr_balance_transfer": 90.0,
        "rewards_program": 0.0
      },
      "values": {
        "annual_fee": 0,
        "balance_transfer_fee": 5,
        "credit_score_needed": "Good to Excellent",
        "intro_apr_balance_transfer": 0,
        "intro_apr_period": 21,
        "regular_apr_balance_transfer": 19.24,
        "rewards_program": "None"
      },
      "verified": true
    },
    {
      "badges": [],
      "description": "Provides a 0% intro APR for 15 billing cycles on purchases and balance transfers, with a 3% balance transfer fee and earns 1.5 points per dollar on all purchases.",
      "estimated": true,
      "link_url": "https://www.bankofamerica.com/",
      "logo_dom": "bank.com",
      "logo_url": "https://unavatar.io/bank.com?fallback=false",
      "name": "Bank of America® Travel Rewards Credit Card",
      "provider": "Bank of America",
      "score": 59.0,
      "source_url": "https://www.bankofamerica.com/credit-cards/products/travel-rewards-credit-card/",
      "subscores": {
        "balance_transfer_fee": 100.0,
        "intro_apr_period": 0.0,
        "regular_apr_balance_transfer": 100.0,
        "rewards_program": 67.0
      },
      "values": {
        "annual_fee": 0,
        "balance_transfer_fee": 3,
        "credit_score_needed": "Good to Excellent",
        "intro_apr_balance_transfer": 0,
        "intro_apr_period": 15,
        "regular_apr_balance_transfer": 17.24,
        "rewards_program": "Points"
      }
    },
    {
      "badges": [],
      "description": "Features a 0% intro APR for 15 months on purchases and balance transfers, with a 3% balance transfer fee and 5% cash back in rotating categories.",
      "estimated": true,
      "link_url": "https://www.discovercard.com/",
      "logo_dom": "discover.com",
      "logo_url": "https://unavatar.io/discover.com?fallback=false",
      "name": "Discover it Cash Back",
      "provider": "Discover",
      "score": 47.0,
      "source_url": "https://www.discovercard.com/application/description?cat=cash-back&acqcode=6000000000",
      "subscores": {
        "balance_transfer_fee": 100.0,
        "intro_apr_period": 0.0,
        "regular_apr_balance_transfer": 61.0,
        "rewards_program": 33.0
      },
      "values": {
        "annual_fee": 0,
        "balance_transfer_fee": 3,
        "credit_score_needed": "Good to Excellent",
        "intro_apr_balance_transfer": 0,
        "intro_apr_period": 15,
        "regular_apr_balance_transfer": 28.24,
        "rewards_program": "Cash Back"
      }
    },
    {
      "badges": [],
      "best_for": null,
      "cons": [],
      "description": "Save on interest with a low intro APR for 21 months on purchases and balance transfers.",
      "link_url": "https://creditcards.chase.com/",
      "logo_dom": "chase.com",
      "logo_url": "https://unavatar.io/chase.com?fallback=false",
      "name": "Slate® Credit Card",
      "pros": [],
      "provider": "Chase",
      "provider_url": null,
      "review": null,
      "review_summary": null,
      "score": 38.0,
      "source_url": "https://creditcards.chase.com/balance-transfer-credit-cards",
      "subscores": {
        "intro_apr_period": 100.0,
        "rewards_program": 0.0
      },
      "values": {
        "annual_fee": 0,
        "balance_transfer_fee": null,
        "credit_score_needed": null,
        "intro_apr_balance_transfer": 0,
        "intro_apr_period": 21,
        "regular_apr_balance_transfer": null,
        "rewards_program": "None"
      },
      "verified": true
    },
    {
      "badges": [],
      "estimated": true,
      "name": "Chase Freedom Unlimited®",
      "score": 24.0,
      "subscores": {
        "intro_apr_period": 0.0,
        "regular_apr_balance_transfer": 95.0,
        "rewards_program": 33.0
      },
      "values": {
        "annual_fee": 0,
        "balance_transfer_fee": null,
        "credit_score_needed": null,
        "intro_apr_balance_transfer": null,
        "intro_apr_period": 15,
        "regular_apr_balance_transfer": "18.24% - 27.74%",
        "rewards_program": "Cash Back"
      }
    }
  ],
  "lang": "en",
  "license": "Citation with a link to the URL is allowed. Bulk extraction and redistribution of the catalog is prohibited. Volume access: contact us.",
  "markdown_url": "https://comparefairly.com/en/US/best-balance-transfer-credit-cards.md",
  "neutral": false,
  "notice": "Neutral ranking, never paid; sorted on measured criteria. Each value is sourced or marked as an estimate (see per-item fields).",
  "query": "best balance transfer credit cards",
  "source": "CompareFairly",
  "title": "Best Balance Transfer Credit Cards",
  "unranked": false,
  "url": "https://comparefairly.com/en/US/best-balance-transfer-credit-cards"
}