The best balance transfer credit cards in October 2024 depend on your specific needs and creditworthiness. However, here are some of the top-rated options based on various factors:
Overall best
* Citi Simplicity® Card: Offers a long 0% intro APR for balance transfers and purchases, along with no late fees or annual fee.
Best for long balance transfer intro APR
* Wells Fargo Reflect® Card: Provides one of the longest 0% intro APR periods for balance transfers and purchases.
Best for long-term value
* Citi Double Cash® Card: Offers a 2% cash back reward on every purchase, making it a good option for everyday spending even after the intro APR period ends.
Best for welcome offer
* Discover it® Chrome: Comes with a generous welcome offer that can be used to offset the balance transfer fee.
Best for excellent credit
* Citi® Diamond Preferred® Card: Offers a long 0% intro APR for balance transfers and purchases, along with a low annual fee.
Best for everyday spending
* Blue Cash Everyday® Card from American Express: Provides a 3% cash back reward on groceries and gas, making it a good option for everyday purchases.
Best for dining
* Chase Freedom Unlimited®: Offers a 3% cash back reward on dining, making it a good option for those who spend a lot on restaurants.
Best for groceries
* Blue Cash Preferred® Card from American Express: Provides a 6% cash back reward on groceries, making it a great option for those who spend a lot on food.
Best for travel
* Bank of America® Travel Rewards credit card: Offers a 3% cash back reward on travel purchases, making it a good option for those who travel frequently.
Best for late payment fee forgiveness
* TD FlexPay Credit Card: Offers the option to forgive late fees if you pay your balance in full by the due date.
Best for flexibility
* Citi Custom Cash® Card: Allows you to choose the category that earns the highest cash back reward each month, making it a good option for those who have varying spending patterns.