Top 10 Best Balance Transfer Credit Cards in 2022

In this article, we will discuss about Best Balance Transfer Credit Cards for your daily use.We have collected some of the best credit card with their features.We have explained in detail about each cards with their features.

Cards which is considered as one of the best credit card for balance transfer is those that offers $0 annual fee, penalty free, minimum interest etc.Looking all these things, we mention some of the best credit cards.Lets see all of these.

Discover it Balance Transfer Credit Card

Features and Things Required for Discover it Balance Transfer Credit Card

  • Discover it Balance Transfer Credit Card.
  • There is good or Excellent Credit Score.
  • No annual fee required.
  • 14.99% to 24.99% variable APR on purchase and balance transfer.
  • Good or Excellent credit score required.
  • Earn 5% cashback on everyday purchase at different places like Amazon, Grocery, Restuarants Gas Stations.
  • 3% intro balance transfer fee and can be 5% in future.
  • Intro APR of 0% for 18 months on balance transfer and 0% for 6 months on purchase.

Well Fargo Balance Transfer Credit Card

best balance transfer credit card
source:well fargo
  • Well Fargo Reflect Credit Card.
  • 0% Annual fee charges.
  • There is variable APR of 15.99% to 27.99%.
  • Intro APR of 0% upto 18months from account opening on purchase and qualifying balance.
  • Required Good or Excellent Credit score.
  • Balance transfer fee of $5.
  • There is foreign transaction fee of 3%.
  • There is no welcome bonus.
  • Get 3 months Extension on Intro APR when you make monthly payment on time.
  • Get upto $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with this card.

Bank of America Balance Transfer Credit Card

Features and Things Required for Bank of America Balance Transfer Credit Card

  • Bank of America Customised Cash Rewards Credit Cards.
  • There is no annual fee.
  • 0% intro APR for 18 billing cycles of purchase and on balance transfer within 60days.
  • After the offers end, a variable APR of 16.99% to 26.99% started.
  • A balance transfer fee of 3% applies which is minimum of $10.
  • Get Welcome bonus $200.
  • Good or Excellent credit score of 700 to 749 required.
  • Get upto $200 online cash rewards bonus when you make atleast $1000 of purchase for 90 days from the date of issue of card.
  • Get upto 3% cashback on purchase of gas, online shopping, dining, travel, drug or home improvement.
  • Get upto 2% cashback on grocery and wholesale products on the spend of $2500 in combined.
  • Get upto 1% cashbacks on other products.
  • Late payment penalty upto $40.
  • Foreign transaction fee of 3% is charged when transaction is made outside the country or when transaction is made in foreign currency.
  • Wire transfer charge of $10 or 5% is charged.

Must Read:Best Banks For Credit Cards

BankAmericad Balance Transfer Credit Card

Features and Things required for BankAmericard Balance transfer Credit Card

  • BankAmericard Balance Transfer Credit Card.
  • There is no annual fee.
  • Balance transfer fee of 3% or minimum of $10 is charged.
  • There is no welcome bonus provided.
  • There is a Good or Excellent credit score required.
  • No penalty on APR, It means late payment won’t raise any interest rate.
  • Check Fico score for free with their mobile banking.
  • 0% APR for 21 billing cycles in case of purchase and for 60 days in case of balance transfer.
  • After offers end, 14.99% to 24.99% variable APR will apply.
  • Get Free access of Fico score through online banking or mobile app.

Citi Rewards Balance Transfer Credit Card

best balance transfer credit card
source:citi

Features and Things required for Citi Rewards Balance transfer Credit Card

  • City Reward Plus Balance Transfer Credit Card.
  • There is no annual fee charges.
  • The regular APR of 16.49% to 26.49% is charged.
  • There is excellent or good credit score required.
  • The welcome bonus of 20000 points is given.
  • Get 0% Intro APR for for 15 months in case of balance transfer from first transfer.
  • Get 0% Intro APR for 15months from account opening in case of purchase.
  • The balance transfer fee of 3% or minimum of $5 is charged within 4 months from account opening and after this, the balance transfer fee of 5% or minimum of $5 is charged.
  • Get 5 Thakyou points per $1 spents upto $6000 on using restuarants within 12months from account opening.After this, get 1Thankyou point per $1 spent.
  • Get 2times Thankyou points at supermarket and gas stations for the first $6000 on 12months.After this, get 1X points.

City Simplicity Balance Transfer Credit Card

best balance transfer credit card
source:citi

Features and Things required for Citi Simplicity Balance transfer Credit Card

  • City Simplicity Balance Transfer Credit Card.
  • There is annual fee, late fee.
  • There is no penalty charges.
  • There is good or excellent Credit score required.
  • There is 0% intro APR for 21 months.After 21months, a variable APR of 16.99% to 27.74% will apply.
  • The initial balance transfer fee of 3% or minimum of $5 will apply within 4 months from account opening.After 4 months, 5% or minimum of $5 wil be charged.

Must Read:How to apply for Credit Card

Citi Diamond Preferred Balance Transfer Credit Card

best balance transfer credit card
source:citi

Features and Things required for Citi Diamond Preferred Balance transfer Credit Card.

  • Citi Diamond Preferred Credit Card.
  • There is no annual fee charges.
  • 0% intro APR on purchase for 12months.After 12 months, a variable APR of 15.99% to 26.74% will apply.
  • 0% intro APR on Balance transfer for 21 months.After 21 months, a variable APR of 15.99% to 26.74% will apply.
  • A balance transfer fee of 5% or $5 will apply.
  • Get chance to access fico score freely.

Chase Slate Edge Balance Transfer Credit Card

Features and Things required for Chase Slate Edge Balance transfer Credit Card.

  • Chase Slate Edge Balance Transfer credit card.
  • There is no welcome bonus provided.
  • There is no annual fee charged.
  • Good or Excellent credit score required.
  • 0% intro APR on purchase and balance transfer for 18 months from the account opening.After 18 months, a variable APR of 17.24% to 25.99% will apply on balance transfer and purchases.
  • Get chances to lower your interest rate by 2% each year if you pay your bill on time
  • If you spend minimum of $500 in 6 months and pay your bill on time, then your card will automatically gone for review and chances being more to increase credit limit.

Comparison of All Balance Transfer Credit Card

Conclusion

In this article, we have discussed about “Best Balance Transfer Credit Card” in 2022.you get a brief knowledge of some of the best Balance transfer Credit cards with their features like APR, Annual fee, Balance transfer fee etc.If you are wishing to takeover the best credit cards with little charges, penalty fee, easy approval then read the above article in detailed.

You will get some best suggestion about the credit card which one we have to pick or which we don’t.To get approval easily, we need some analysis of all these cards.We must know the requirements for approval of credit cards.

If you get some valuable information through this article then you must share this information to your friends and family.

What are best cards for balance transfer?

Some of the best cards for balance transfer are as follows.
1.Discover it Balance Transfer Credit Card
2.Well Fargo Balance Transfer Credit Card
3.Citi Diamond Preferred Credit Card
4.BankAmericard Credit Card.

Except these, there are many more credit cards which provides best offers.

Best Balance Transfer Credit Card for fair Credit?

The Best balance transfer credit for fair credit are Citi simplicity, Citi Rewards, Chase Slate Edge Credit Card and many more.If you have fair credit score.You may apply for these cards.

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