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Guide

Best credit cards for balance transfers

A balance transfer works when the interest you avoid comfortably exceeds the transfer fee, and when you can clear the balance before the intro window closes.

Illustrative comparison guide from LendingHookup. Card details are examples, not live issuer offers.

Our picks at a glance

CardRewardsIntro value / required spendAPR rangeAnnual fee
Northline Zero Balance TransferNo rewards program — built purely for interest savings0% APR for 21 mo18.49%–28.49% variable$0
Harbor ClearPath Transfer1.5% cash back on all purchases once the intro period ends0% APR for 18 mo17.99%–27.99% variable$0
Atlas Everyday Cash2% cash back on every purchase, no categories, no caps$200 est. / $500 in 3 mo19.24%–29.24% variable$0

Illustrative cards & advertiser disclosure. LendingHookup is a comparison experience. The cards, issuers, rates and offers currently shown are illustrative examples, not live offers. We may receive compensation if affiliate offers are added. Rewards and intro values are estimates; required spend, annual fees, transfer fees and variable APRs apply. Approval is not guaranteed. Review the issuer’s current terms before applying.

The cards in detail

Northline Financial
Northline Zero Balance Transfer
•••• •••• •••• 0000
Balance transfer

Northline Zero Balance Transfer

A long runway to clear a balance without interest piling on.

Purchase APR
18.49%–28.49% variable
Annual fee
$0
Balance transfer fee
3% (min $5) on transfers in first 120 days
Foreign transaction fee
3%
Rewards
No rewards program — built purely for interest savings

Intro APR: 0% for 21 months on balance transfers, 12 months on purchases, then 18.49%–28.49% variable.

  • 21 months of 0% intro APR on transfers
  • No annual fee
  • Free monthly credit score
  • No rewards
  • Transfer must post within 120 days
  • 3% transfer fee applies
Compare this cardAbout Northline Financial

Rates and fees are estimates and vary by creditworthiness. See full disclosure below.

Harbor Trust
Harbor ClearPath Transfer
•••• •••• •••• 0000
Balance transferCash back

Harbor ClearPath Transfer

Pay down a balance now, earn cash back after.

Purchase APR
17.99%–27.99% variable
Annual fee
$0
Balance transfer fee
3% (min $5)
Foreign transaction fee
3%
Rewards
1.5% cash back on all purchases once the intro period ends

Intro APR: 0% for 18 months on balance transfers and purchases, then 17.99%–27.99% variable.

  • 18 months 0% on transfers and purchases
  • Lowest ongoing APR floor in our set
  • No annual fee
  • Modest rewards rate
  • 3% transfer fee
  • Foreign transaction fee
Compare this cardAbout Harbor Trust

Rates and fees are estimates and vary by creditworthiness. See full disclosure below.

Atlas Bank
Atlas Everyday Cash
•••• •••• •••• 0000
Cash back

Atlas Everyday Cash

Flat-rate cash back with nothing to activate or track.

Purchase APR
19.24%–29.24% variable
Annual fee
$0
Balance transfer fee
3% intro, then 5%
Foreign transaction fee
3%
Rewards
2% cash back on every purchase, no categories, no caps

Intro offer: $200 cash bonus after qualifying spend — estimated value $200, requires $500 in spend within 3 months.

Intro APR: 0% for 15 months on purchases and balance transfers, then 19.24%–29.24% variable.

  • No annual fee
  • Simple flat 2% on everything
  • 15-month 0% intro APR
  • 3% foreign transaction fee
  • No bonus categories to accelerate earning
Compare this cardAbout Atlas Bank

Rates and fees are estimates and vary by creditworthiness. See full disclosure below.

What to look for

  • Divide your balance by the intro months to see the payment you actually need.
  • Transfer fees of 3%–5% are charged up front and added to the balance.
  • Transfers usually must post within a set window after account opening.

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