Include the transfer fee
Calculate the new balance including any percentage or minimum fee. A longer promotion is not automatically cheaper if the upfront transfer cost is higher.
Balance Transfer Cards: Compare Fees & Intro APR
Compare transfer fees, promotional deadlines and repayment requirements before moving existing card debt.
Compare listed cards ↓What to compare before applying
Check transfer eligibility
Review excluded debts, transfers within the same issuer, available credit and the deadline for qualifying transfers. Continue paying the old account until the transfer posts.
Separate purchases from transfers
A transfer promotion may not cover new purchases. Review grace-period rules and payment allocation before using the same card for everyday spending.
Compare the cards in our directory
This is a selection of products, not the entire market. Offers can vary by applicant and change over time. Verify current bonuses, rates, fees, and eligibility in the issuer’s application disclosures before applying. List order is not a guarantee of suitability or approval.
Double Cash Card
Citi · Mastercard
Annual fee
$0
Top reward
2% total cash back: 1% when buying + 1% as you pay
Signup bonus
$200
Bonus: $200 after $1,500 in purchases within the first 6 months of account opening. New-account bonus eligibility restrictions apply.
Selected facts checked 2026-09-24 · Official source
- +Earn 1% when you buy and 1% as you pay, for 2% total cash back on eligible purchases.
Continue your comparison
Comparison guidance reviewed September 12, 2026. This date does not certify every issuer offer as current. Sources: CFPB credit card terms and each linked issuer’s application disclosures. Editorial policy.
Work through the numbers
Use these guides to compare costs and benefits with your own budget.