Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!
The Best Balance Transfer Cards of 2024
.png)
Navigating credit card debt can be challenging, but a good balance transfer card can provide a vital lifeline. These cards offer introductory periods with no interest, allowing you to consolidate debt and save on interest payments while you pay down your balances. Here’s a guide to the best balance transfer cards of 2024, perfect for anyone looking to get a handle on their finances. All cards below have no annual fee and all have 0% APR balance transfer offers for 15 months - almost until 2026!
[[ CARD_LIST * {"ids": ["428","260", "497", "2883", "3041"]} ]]
Best For: Flat-Rate Cash Back
[[ SINGLE_CARD * {"id": "428", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Flat-Rate Cash Back", "headerHint": "SIMPLIFY SPENDING AND SAVING"} ]]
The Capital One Quicksilver Cash Rewards Credit Card combines a simple cash back program with a competitive balance transfer offer of 0% APR for 15 months (then a Variable APR of 19.99%, 26.24% or 29.99% - see rates & fees). It’s ideal for those who want straightforward rewards and an effective way to manage debt.
Best For: Everyday Spending
[[ SINGLE_CARD * {"id": "260", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Everyday Spending", "headerHint": "EARN MORE ON DAILY ESSENTIALS"} ]]
This card is perfect for regular grocery shoppers, offering a 0% APR on balance transfers for 15 months (then a Variable APR of 18.49% to 29.49%). The Blue Cash Everyday® Card from American Express also provides bonus cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases, with no annual fee (see rates & fees).
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Best For: Flexible Cash Back
[[ SINGLE_CARD * {"id": "497", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Flexible Cash Back", "headerHint": "FLEXIBILITY IN YOUR FINANCIAL STRATEGY"} ]]
Offering 0% APR on balance transfers for 15 months, the Chase Freedom Unlimited® is a versatile card that also rewards users with higher cash back rates in categories like travel purchased through Chase, dining, and drugstores, along with a base rate on all other purchases.
Best For: Rotating Categories
[[ SINGLE_CARD * {"id": "2883", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Rotating Categories", "headerHint": "OPTIMIZE SPENDING, MAXIMIZE REWARDS"} ]]
The Chase Freedom Flex® excels with a 0% APR on balance transfers for 15 months and offers a unique cash back program with rotating categories each quarter, such as groceries, gas stations, and Amazon.com, which could significantly boost your rewards.
Best For: Dining and Entertainment
[[ SINGLE_CARD * {"id": "3041", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Dining and Entertainment", "headerHint": "SAVOR DINING AND ENTERTAINMENT"} ]]
For those who enjoy dining out and entertainment, the Capital One Savor Cash Rewards Credit Card offers generous cash back in these categories, along with a 0% APR on balance transfers for 15 months (then a variable APR of 19.74%, 25.74% or 29.74%), making it a great choice for enjoying life while reducing debt (see rates & fees).
Comparing Top Balance Transfer Cards
When evaluating the Capital One Quicksilver Cash Rewards Credit Card, Blue Cash Everyday® Card, and Chase Freedom Unlimited®, consider your spending habits and debt management goals. The Quicksilver offers a simple, flat-rate reward system, making it ideal for those who prefer predictability. The Blue Cash Everyday excels for those who spend a lot at U.S. supermarkets and gas stations, offering tailored rewards. Chase Freedom Unlimited provides the most flexibility, perfect for maximizing returns on varied spending categories while managing debt.
[[ COMPARE_CARD * {"ids": ["428", "260", "497"], "bestCategoryIds": ["17", "18", "19"], "bestForTexts": ["Flat-Rate Cash Back", "Everyday Spending", "Flexible Cash Back"]} ]]
Conclusion
The best balance transfer cards of 2024 provide a range of options that cater to different spending habits and lifestyle needs. Each card listed here offers a significant introductory period for balance transfers, helping you to minimize interest payments and better manage your financial health. Choose the card that best aligns with your spending patterns and financial goals to make your debt management more efficient and rewarding.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
