Summit National
Summit Cash Preferred
- Rewards
- 2% on everything
- Intro offer
- $200 after $1,500 spend in 3 months
- Annual fee
- $0
- Flat-rate cash back
- No annual fee
- Cell phone protection
Best balance transfer credit cards
Moving high-interest balances to a 0% intro APR card can pause interest entirely while you pay down principal. Watch the transfer fee (typically 3%–5%) and plan payoff before the promotional window closes.
excellent odds
Meridian Bank
Meridian Travel Elevate
- Rewards
- 3x travel & dining, 1x other
- Intro offer
- 60,000 points after $4,000 spend
- Annual fee
- $95
- No foreign transaction fees
- Transfer partners
- $50 annual hotel credit
Atlas Financial
Atlas Balance Builder
- Rewards
- 1.5% on everything
- Intro offer
- 0% APR on balance transfers for 18 months
- Annual fee
- $0
- Longest 0% window matched
- 3% transfer fee
- Free credit score tracking
Advertiser disclosure: card details are provided by partners and may change. Sample offers shown until partner integrations go live.
Balance transfer cards: FAQs
Does a balance transfer hurt my credit?
The new application adds one hard inquiry, but lowering utilization on your old card often helps your score more than the inquiry hurts within a few months.
Can I transfer between cards from the same bank?
Usually not — issuers block transfers between their own cards. Pick a card from a different issuer than the debt you are moving.
What happens after the 0% window ends?
Any remaining balance starts accruing the standard variable APR. Divide your balance by the number of promo months to set a payoff schedule.