Balance transfer credit cards for excellent credit

Written by
Brooklyn Lowery
Terms apply; see the online credit card application for full terms and conditions of offers and rewards.

At CardRatings.com we discuss the most up-to-date news and trends within the credit card space. Since we first pioneered the concept of online credit card reviews in 1998, our team of financial experts has provided comprehensive and unbiased credit card reviews for more than 175 cards, plus hundreds of additional resource articles to help educate everyday cardholders so they can feel more confident about their card choices. All our content is written and reviewed by industry experts. Though our content may occasionally contain references to products from our partners, we maintain strict editorial integrity and advertiser relationships and compensation never influences ratings, reviews or featured products. The difference between editorial content and advertising must always be clearly stated. Learn more.

Managing your credit card balances may seem tedious, or even overwhelming. However, when done shrewdly, proper management of your debt will yield significant tangible rewards. Not only can you reap substantial savings each month, you may also be able to climb out of debt more quickly, opening to the door to new and greater purchasing power.

One of the best strategies is obtaining a credit card with an attractive balance transfer option. You’re looking for a card with a low balance transfer fee and a low or 0% APR on balance transfers for as long as possible

If you have excellent credit (800 and over), you will likely qualify for the best balance transfer credit cards in the marketplace, some of which offer 0% APR on balance transfers for as long as 21 months.

Be cautious. You also want to watch for the card’s annual fee, its introductory APR and its standard APR, as well as how the card will fit into your credit card portfolio long term, when making your decision.

Our editors have compiled the following list of the balance transfer credit cards for excellent credit scores.

Balance transfer card with cash back rewards

CardName

discontinued
Balance Transfer Intro APR
scw_balance_transfer_intro_aprbalance_transfer_intro_duration
Regular APR
RegAPR
Balance Transfer Fee
BalanceTransferFees
Annual Fee
AnnualFees

Citi is a CardRatings advertiser

Card with long balance transfer offer

CardName

discontinued
Balance Transfer Intro APR
scw_balance_transfer_intro_aprbalance_transfer_intro_duration
Regular APR
RegAPR
Balance Transfer Fee
BalanceTransferFees
Annual Fee
AnnualFees

Card for intro purchase and balance transfer offers

CardName

discontinued
Balance Transfer Intro APR
scw_balance_transfer_intro_aprbalance_transfer_intro_duration
Regular APR
RegAPR
Balance Transfer Fee
BalanceTransferFees
Annual Fee
AnnualFees

Card with no balance transfer fee

CardName

discontinued
Balance Transfer Intro APR
scw_balance_transfer_intro_aprbalance_transfer_intro_duration
Regular APR
RegAPR
Balance Transfer Fee
BalanceTransferFees
Annual Fee
AnnualFees

Card for small business balance transfers

CardName

discontinued
Balance Transfer Intro APR
scw_balance_transfer_intro_aprbalance_transfer_intro_duration
Regular APR
RegAPR
Balance Transfer Fee
BalanceTransferFees
Annual Fee
AnnualFees
author
Brooklyn Lowery
Editor & Credit Card Expert

A journalist for nearly 20 years, Brooklyn has published work on a broad range of topics including personal finance and business as well as travel and human interest pieces. As a finance expert, she has provided commentary on credit cards, card rewards and personal finance...Read more

Featured Partner Cards:

Disclaimer:

The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.