Money

balance transfer cards of August 2025

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American Health & Wealth Rankings

Choosing a credit card can be complicated. At American Health & Wealth, our goal is to make the process easy for you. We've highlighted the top credit cards in each category. You’ll also find information about annual percentage rates, fees, rewards programs and other important factors to consider before applying for a credit card.

American Health & Wealth' balance transfer cards of August 2025

Citi Custom Cash® Card

4.8

American Health & Wealth' Rating in Citi Custom Cash® Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Annual Fee
$0
Regular APR
18.49%-28.49% Variable APR

Product Details

Highlights
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.
Product Details

  • Issuer Name

    Citibank

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    18.49%-28.49% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $5

  • Cash Advance Fee

    $5

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • No annual fee
  • 5% bonus categories
  • Intro APR Period

Cons

  • Low rate outside bonus categories

Citi Double Cash® Card

4.8

American Health & Wealth' Rating in Citi Double Cash® Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Fair Credit
Intro Bonus
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Annual Fee
$0
Regular APR
18.49%-28.49% Variable APR

Product Details

Highlights
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 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. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • 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 an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Product Details

  • Issuer Name

    Citibank

  • Credit Needed

    Fair Credit

  • Annual Fee

    $0

  • Regular APR

    18.49%-28.49% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $5

  • Cash Advance Fee

    $5

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • No annual fee
  • High rewards rate
  • Intro balance transfer fee

Cons

  • No intro APR period on purchases

Citi Rewards+® Card

4.8

American Health & Wealth' Rating in Citi Rewards+® Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com. Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
Annual Fee
$0
Regular APR
17.99%-27.99% Variable APR

Product Details

Highlights
  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 17.99% - 27.99%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • No Annual Fee
Product Details

  • Issuer Name

    Citibank

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    17.99%-27.99% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $5

  • Cash Advance Fee

    $5

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • No annual fee
  • Intro APR period

Cons

  • Spending caps on bonus rewards
  • Requires good/excellent credit
  • Complicated redemptions

Citi Simplicity® Card

4.8

American Health & Wealth' Rating in Citi Simplicity® Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
N/A
Annual Fee
$0
Regular APR
18.49%-29.24% Variable APR

Product Details

Highlights
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.49% - 29.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Stay protected with Citi® Quick Lock
Product Details

  • Issuer Name

    Citibank

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    18.49%-29.24% Variable APR

  • Balance Transfer Fee

    $5

  • Cash Advance Fee

    $5

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • No annual fee
  • Intro APR period

Cons

  • No rewards
  • No new cardholder bonus offer
  • Requires good/excellent credit

Citi® Diamond Preferred® Card

4.8

American Health & Wealth' Rating in Citi® Diamond Preferred® Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
N/A
Annual Fee
$0
Regular APR
17.49%-28.24% Variable APR

Product Details

Highlights
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • 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.
  • No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
Product Details

  • Issuer Name

    Citibank

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    17.49%-28.24% Variable APR

  • Penalty APR

    29.99

  • Balance Transfer Fee

    $5

  • Cash Advance Fee

    $5

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • No annual fee
  • Intro APR period

Cons

  • Requires good/excellent credit
  • No rewards

Connexus Credit Union Visa Signature® College Real Rewards Card

4.8

American Health & Wealth' Rating in Connexus Credit Union Visa Signature® College Real Rewards Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Fair Credit
Intro Bonus
After your first purchase, you'll get 2,500 bonus rewards points. Redeem your points for cash back, travel, merchandise or gift cards.
Annual Fee
$0
Regular APR
19.24%-29.24% Variable

Product Details

Highlights
  • No cap, no limit - earn unlimited points and you have five years to redeem for rewards.
  • Bonus rewards- after your first purchase, you'll get 2,500 bonus rewards points.
  • Choose your rewards- redeem your points for cash back, travel, merchandise or gift cards.
  • 1.5X rewards- earn 1.5 points monthly for every $1 you spend on eligible net purchases.
Product Details

  • Issuer Name

    Connexus Credit Union

  • Credit Needed

    Fair Credit

  • Annual Fee

    $0

  • Regular APR

    19.24%-29.24% Variable

  • Balance Transfer Fee

    $3

  • Cash Advance Fee

    $5

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • Qualify with average credit
  • High rewards rate
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

Cons

  • N/A

Connexus Credit Union Visa® Business Card

4.8

American Health & Wealth' Rating in Connexus Credit Union Visa® Business Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Fair Credit
Intro Bonus
None
Annual Fee
$0
Regular APR
16.74%-25.74% Variable

Product Details

Highlights
  • Extended low intro rate- save on interest with a great low introductory rate for an extended time.
  • Protecting your peace of mind - benefits like zero fraud liability help defend your business.
  • Free employee cards- keep track of employee expenses while earning as many rewards as possible.
Product Details

  • Issuer Name

    Connexus Credit Union

  • Credit Needed

    Fair Credit

  • Annual Fee

    $0

  • Regular APR

    16.74%-25.74% Variable

  • Penalty APR

    31.99

  • Balance Transfer Fee

    $3

  • Cash Advance Fee

    $4

  • Foreign Transaction Fee

    $3

Our Take

Pros

  • Qualify with average credit
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

Cons

  • No rewards

Consumers Credit Union Visa Signature Cash Rebate Card

4.8

American Health & Wealth' Rating in Consumers Credit Union Visa Signature Cash Rebate Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
No bonus.
Annual Fee
$0
Regular APR
17.24%-28.24% Variable APR

Product Details

Highlights
  • Earn 3% cash rebate on Grocery Store Purchases
  • Earn 2% cash rebate on Gas
  • Earn 1% cash rebate on Everything Else
  • Maximum cash rebate of $6,000 annually
  • No annual fee
Product Details

  • Issuer Name

    Consumers Credit Union

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    17.24%-28.24% Variable APR

  • Balance Transfer Fee

    $3

  • Cash Advance Fee

    $5

  • Foreign Transaction Fee

    $1

Our Take

Pros

  • No annual fee
  • Earn 3x the points on up to $6,000 in Grocery/Convenience Store purchases annually
  • Earn 2x the points for Gas purchases
  • Earn 1x points for all other purchases

Cons

  • N/A

Discover it® Cash Back

4.8

American Health & Wealth' Rating in Discover it® Cash Back

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Annual Fee
$0
Regular APR
18.49%-27.49% Variable APR *Rates as of December 12, 2024.

Product Details

Highlights
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • Apply and you could get a decision in as little as 60 seconds. No annual fee.
  • Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 18.49% to 27.49% Standard Variable Purchase APR applies, based on credit worthiness. Rates as of December 12, 2024.
  • Terms and conditions apply.
  • View Rates and Fees
Product Details

  • Issuer Name

    Discover

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    18.49%-27.49% Variable APR *Rates as of December 12, 2024.

  • Balance Transfer Fee

    $3

  • Cash Advance Fee

    $5

Our Take

Pros

  • No annual fee
  • Intro APR period
  • Bonus categories
  • Cash rewards

Cons

  • Complicated rewards
  • Spending caps on bonus rewards
  • Lower acceptance abroad

Discover it® Cash Back - 18 Month Intro Balance Transfer Offer

4.8

American Health & Wealth' Rating in Discover it® Cash Back - 18 Month Intro Balance Transfer Offer

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Good Credit
Intro Bonus
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Annual Fee
$0
Regular APR
18.49%-27.49% Variable APR *Rates as of December 12, 2024.

Product Details

Highlights
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • Apply and you could get a decision in as little as 60 seconds. No annual fee.
  • Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 18 months on balance transfers. Then 18.49% to 27.49% Standard Variable APR applies, based on credit worthiness. Rates as of December 12, 2024.
  • Terms and conditions apply.
  • View Rates and Fees
Product Details

  • Issuer Name

    Discover

  • Credit Needed

    Good Credit

  • Annual Fee

    $0

  • Regular APR

    18.49%-27.49% Variable APR *Rates as of December 12, 2024.

  • Balance Transfer Fee

    $3

  • Cash Advance Fee

    $5

Our Take

Pros

  • No annual fee
  • Intro APR period
  • Bonus categories
  • Cash rewards

Cons

  • Complicated rewards
  • Spending caps on bonus rewards
  • Lower acceptance abroad

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