Best Balance Transfer Credit Cards (2026) — 21-Month 0% APR + Low Fees

Compare the best balance transfer credit cards with 0% intro APR for up to 21 months. Pay down credit card debt faster with no interest. Includes 3% transfer fees and $0 annual fees on every pick.

Compare the best balance transfer credit cards with 0% intro APR for up to 21 months. Pay down credit card debt faster with no interest. Includes 3% transfer fees and $0 annual fees on every pick.

Top 30 cards in this category

CardAnnual feeWelcome bonus
The Business Platinum Card from American Express (American Express)$895/yr300,000 pts
American Express Business Gold Card (American Express)$375/yr200,000 pts
Sapphire Reserve for Business (Chase)$795/yr200,000 pts
The Platinum Card from American Express (American Express)$895/yr175,000 pts
Hilton Honors American Express Aspire Card (American Express)$550/yr175,000 pts
Capital One Venture X Business (Capital One)$395/yr150,000 pts
Marriott Bonvoy Brilliant American Express Card (American Express)$650/yr150,000 pts
Marriott Bonvoy Business American Express Card (American Express)$125/yr150,000 pts
IHG One Rewards Premier (Chase)$99/yr140,000 pts
IHG One Rewards Premier Business (Chase)$99/yr140,000 pts
Marriott Bonvoy Bevy American Express Card (American Express)$250/yr135,000 pts
Hilton Honors American Express Surpass Card (American Express)$150/yr130,000 pts
Hilton Honors American Express Business Card (American Express)$195/yr130,000 pts
Marriott Bonvoy Boundless (Chase)$95/yr125,000 pts
Delta SkyMiles Reserve Business American Express Card (American Express)$650/yr125,000 pts
Delta SkyMiles Reserve American Express Card (American Express)$650/yr125,000 pts
Capital One Venture Business (Capital One)$95/yr100,000 pts
United Club Business Card (Chase)$695/yr100,000 pts
Chase Sapphire Preferred (Chase)$95/yr100,000 pts
JetBlue Premier Card (Barclays)$499/yr100,000 pts
Delta SkyMiles Platinum American Express Card (American Express)$350/yr100,000 pts
United Business Card (Chase)$150/yr100,000 pts
Ink Business Preferred (Chase)$95/yr100,000 pts
Chase Sapphire Reserve (Chase)$795/yr100,000 pts
Wyndham Rewards Earner Plus Card (Barclays)$75/yr100,000 pts
Atmos Rewards Summit Visa Infinite (Bank of America)$395/yr100,000 pts
Wyndham Rewards Earner Business Card (Barclays)$95/yr100,000 pts
American Express Gold Card (American Express)$325/yr100,000 pts
Delta SkyMiles Platinum Business American Express Card (American Express)$350/yr100,000 pts
United Club Infinite Card (Chase)$695/yr90,000 pts

Frequently asked questions

How many balance transfer credit cards does RewardsGuruClub compare?

We track 30 active balance transfer cards, ranked by welcome bonus. The full comparison is in the table above.

Do any of these cards have no annual fee?

No, every card on this list charges an annual fee; the exact amount is in the table above.

How current are these offers?

Card details are checked against issuer pages on a regular cadence, so the welcome bonuses and annual fees here reflect the latest published offers.