Top Balance Transfer Cards Compared
Carrying credit card debt? A balance transfer card with a 0% intro APR can save you hundreds or thousands in interest. Compare the top options by intro period length and transfer fees.
| Feature | Citi Double Cash Citi | Chase Freedom Unlimited Chase |
|---|---|---|
| Annual Fee | $0 | $0 |
| APR | 18.49% - 28.49% | 20.49% - 29.24% |
| Sign-Up Bonus | $200 after $1,500 spend in 6 months | $200 after $500 spend in 3 months |
| Base Rewards | 2% on everything | 1.5% on everything |
| Top Categories | Flat 2% everywhere | 3% dining, 3% drugstores |
| Foreign Tx Fee | 3% | 3% |
| Credit Needed | Good (670+) | Good (670+) |
Pros & Cons
Citi Double Cash
Pros
- +0% intro APR on balance transfers for 18 months
- +2% cash back ongoing
- +No annual fee
- +Great long-term keeper
Cons
- -3-5% balance transfer fee
- -Foreign transaction fees
- -No bonus categories
Chase Freedom Unlimited
Pros
- +0% intro APR for 15 months on purchases and BT
- +3% dining category
- +No annual fee
- +Pairs with Sapphire ecosystem
Cons
- -Only 15 months vs 18+
- -5% balance transfer fee
- -Lower base rate than Citi DC
Our Recommendation
The Citi Double Cash offers a solid balance of 0% APR and ongoing rewards. For the longest intro period, look for cards offering 18-21 months at 0%.