Overview
Compare balance transfer credit cards side by side. Find the best 0% APR period, transfer fee, and ongoing rate. Finding the right option depends on your specific needs, spending habits, and financial goals. Below we break down the key factors to consider and the top choices available.
Balance Transfer Card Comparison
| Card | Intro APR | Transfer Fee | Standout Feature |
|---|---|---|---|
| Citi Simplicity | 0% for 21 months | 3-5% | No late fees or penalty APR |
| Wells Fargo Reflect | 0% for up to 21 months | 3-5% | Cell phone protection included |
| Chase Slate Edge | 0% for 18 months | 3-5% | Annual APR reduction for on-time payments |
Which Should You Choose?
Choose Citi Simplicity if: you want the longest intro period with the fewest penalty risks. Choose Wells Fargo Reflect if: you also want cell phone protection as a bonus perk.
Frequently Asked Questions
Generally you can transfer from most other credit cards, but not typically between two cards from the same issuer — check the specific card's terms for restrictions.
No — the old account stays open with a zero (or reduced) balance unless you separately choose to close it. Keeping it open can help your credit utilization and account age.