Geeky Insights:

Best Balance Transfer Credit Cards - June 2020

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DollarGeek's team has spent countless hours researching and analyzing the best credit cards. Start comparing today’s best credit cards and offers, from travel and cash back, to business and balance transfers. We focus on the features that matter: rewards programs, affordable APR, welcome offers and more. Choose a category below and find your best credit card today.

Best for: Longest 0% period for transfers only

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Overall Rating:
(4.2/5)
Geeky Insight:
  • Purchase Intro APR: 0% for 21 months
  • Transfer Intro APR: 0% for 12 months | Transfer Fee: 5% (min $5)
  • Regular APR: 13.74% - 23.74% (Variable Rate)
Compare Card Apply Now on Citibank's website
Overall Rating
(4.2)
Credit Range
Excellent
Annual Fee
$0
Purcahse Intro APR
0% for 21 months
Regular APR
13.74% - 23.74%
Rewards Rate
None
Rewards Bonus
None
Geeky Insight:
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • Get free access to your FICO® score online.
  • With Citi Entertainment℠, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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Best for: 0% period for transfers + cash back

Citi® Double Cash Card 18 month BT offer

Citi® Double Cash Card 18 month BT offer

Overall Rating:
(4.6/5)
Geeky Insight:
  • Purchase Intro APR: 0% for 18 months
  • Transfer Intro APR: N/A | Transfer Fee: 3% (min $5)
  • Regular APR: 13.99% - 23.99% (Variable Rate)
Compare Card Apply Now on Citibank's website
Overall Rating
(4.6)
Credit Range
Excellent
Annual Fee
$0
Purcahse Intro APR
0% for 18 months
Regular APR
13.99% - 23.99%
Rewards Rate
2% Cash Back
Rewards Bonus
None
Reward Details:
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
Geeky Insight:
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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Best for: 0% period for transfers + cash back

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Overall Rating:
(4.7/5)
Geeky Insight:
  • Purchase Intro APR: 0% for 15 months
  • Transfer Intro APR: 0% for 15 months | Transfer Fee: 3% (min $5)
  • Regular APR: 12.99% - 23.99% (Variable Rate)
Compare Card Apply Now on American Express's website
Overall Rating
(4.7)
Credit Range
Excellent - Good
Annual Fee
$0
Purcahse Intro APR
0% for 15 months
Regular APR
12.99% - 23.99%
Rewards Rate
1 - 3% Cash Back
Rewards Bonus
$150
Reward Details:
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Don't wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
  • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • Terms Apply.
Geeky Insight:
  • Low intro APR: 0% for 15 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%.
  • No annual fee.
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Best balance transfer Credit Cards Recap

Overall Rating

Best For

Regular APR

Balance Intro APR

Annual Fee

(4.2)

Longest 0% period for transfers only

13.74% - 23.74
0% 12 months
$0
(4.6)

0% period for transfers + cash back

13.99% - 23.99
N/A
$0
(4.7)

0% period for transfers + cash back

12.99% - 23.99
0% 15 months
$0

OTHER GEEKY PICKS

From Our Editors

Best for: Delta Loyalist With No Annual Fee

The Delta SkyMiles® Blue American Express Card is a no-annual-fee rewards card that’s best for people with good credit or better who want to save extra at restaurants and on their Delta flights. This card will give you 2 miles per $1 in eligible restaurant and Delta purchases, compared to 1 mile per $1 on all other purchases. New cardholders who spend $500 in the first three months after opening an account also get 10,000 miles, worth roughly $127 in Delta airfare, per our calculations. Plus, the Blue Delta SkyMiles Credit Card provides a 20% statement credit after eligible in-flight purchases: food, beverages and headphones.

Best Balance Transfer Credit Cards of June 2020

Gain some clarity on the best business credit cards with our geeky insight.

Best for: Big Travel Perks + lounge access

Rewards Rate

None

Rewards Bonus

None

Annual Fee

$0

Rewards Details:

Geek Point Of View:

APPLY ON THE LINK BELOW:

Best for: No annual fee + cash back rewards

Rewards Rate

2% Cash Back

Rewards Bonus

None

Annual Fee

$0

Rewards Details:

  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.

Geek Point Of View:

Best for: High flat-rate rewards + introductory 0% APR

Rewards Rate

1 - 3% Cash Back

Rewards Bonus

$150

Annual Fee

$0

Rewards Details:

  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Don't wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
  • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • Terms Apply.

Geek Point Of View: