Updated October 18, 2026 · DebitCue Editorial Team

Top balance transfer cards compared in the United States

17 cards available in the United States, ranked for the United States.

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Top balance transfer cards compared in the United States
#	Card	Score	Features	Key facts	Actions
1	NHL® Discover it®Top pick Discover it Cash Back $200 welcome bonus: $200 statement credit after spending $500 on purchases within 3 months of account opening	9.3/10	No annual fee	Balance transfer intro period: 15 months Balance transfer fee: 3% Annual fee: $0	Review Compare See alternatives
2	Emirates Emirates Skywards Silver tier status for the first year with the Rewards World Elite Mastercard: Emirates Skywards Silver tier status for 12 months from card account open date	9.1/10		Balance transfer intro period: 12 months Balance transfer fee: 5% Annual fee: $99	Review Compare See alternatives
3	Hawaiian Airlines Up to 70,000 bonus Atmos Rewards points on the Hawaiian Airlines Bank of Hawaii World Elite Mastercard: 60,000 points after $1,000 spend in the first 90 days plus 10,000 points after $2,000 total spend in the first 180 days	9.1/10		Balance transfer intro period: 15 months Annual fee: $99 Rewards type: Points	Review Compare See alternatives
4	U.S. Bank Score up to $450 with U.S. Bank Smartly Checking	9.1/10	No annual fee Virtual card	Balance transfer intro period: 12 months Balance transfer fee: 5% Annual fee: $0	Review Compare See alternatives
5	Capital One	9.1/10	No annual fee	Balance transfer intro period: 18 months Balance transfer fee: 3% Annual fee: $0	Review Compare See alternatives
6	Truist Financial	9.0/10	No annual fee	Balance transfer intro period: 12 months Balance transfer fee: 3% Annual fee: $0	Review Compare See alternatives
7	Barclays	9.0/10	No annual fee	Balance transfer intro period: 12 months Balance transfer fee: 5% Annual fee: $0	Review Compare See alternatives
8	Wells Fargo Active Cash Card $100 cash rewards bonus	8.9/10	No annual fee	Balance transfer intro period: 12 months Annual fee: $0 APR: 18.74% to 28.74%	Review Compare See alternatives
9	Luxury Card	8.9/10		Balance transfer intro period: 15 months Balance transfer fee: 5% Annual fee: $299	Review Compare See alternatives