Best Balance Transfer Credit Cards — March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Top balance transfer credit cards currently available include: First Heritage Federal Credit UnionFirst Heritage Federal Credit Union501 Gardner Rd, Wellsboro, PA, 16933 9586A+5.0 ★Texas Ratio: 2.30%'s VISA BALANCE TRANSFER has an APR of 1.99%, Utilities Employees Credit UnionUtilities Employees Credit Union337 Clay Ave, Wyomissing, PA, 19610A+5.0 ★Texas Ratio: 3.66%'s Visa Balance Transfer - New Cardholders has an APR of 1.99%, 1st Advantage Federal Credit Union1st Advantage Federal Credit Union6511 George Washington Memorial Hwy, Yorktown, VA, 23693A+5.0 ★Texas Ratio: 2.79%'s Business Credit Card Balance Transfer Special has an APR of 1.99%, 1st Advantage Federal Credit Union1st Advantage Federal Credit Union6511 George Washington Memorial Hwy, Yorktown, VA, 23693A+5.0 ★Texas Ratio: 2.79%'s Credit Card Balance Transfer Special has an APR of 1.99%, and Mutual Savings Credit UnionMutual Savings Credit Union10 Peachtree Pl NE, Atlanta, GA, 30309A+5.0 ★Texas Ratio: 1.74%'s Visa® Balance Transfer Special has an APR of 1.99%. Rates as of March 25, 2026 per MonitorBankRates.
Balance transfer credit cards let you move high-interest debt to a lower APR, reducing monthly interest charges and helping you pay off the principal faster. Comparing rates from multiple lenders before transferring can save hundreds or thousands in interest.
We display transparent financial health metrics — A–F Safety Grades, Star Ratings, and Texas Ratios — so you can choose a stable, highly-rated institution.
Rates reflect actual verified offers. Last Updated: March 25, 2026
Compare Balance Transfer Credit Card Rates Nationwide
Intro rate expires: 12 months
12 Month Intro Rate - Variable rates thereafter
Intro rate expires: 12 months; Regular APR: 12.75%-17.95%
Intro rate expires: 12 months; Regular APR: 11.25%-17.95%
Intro rate expires: March 31, 2026
Intro rate expires: March 31, 2026
Intro rate expires: 12 months; Regular APR: standard APR applicable to your account
Intro rate expires: 12 billing cycles; No balance transfer fees; Consolidate your debt and lower your payments
Intro rate expires: 12 Months; Regular APR: standard APR
Hurry! Offer ends March 31st - 2.99% APR* for 15 Months on balance transfers with a 1% fee
Intro rate expires: 1 year; Regular APR: see Credit Card Disclosure for your rate
Intro rate expires: 12 billing cycles; Regular APR: N/A
Intro rate expires: 6-Months; Regular APR: 8.49% -19.90%
Intro rate expires: 12 months; Regular APR: 12.40%-21.00% variable APR+
Intro rate expires: 24 months; Regular APR: 11.90% - 23.90%
on balance transfers!
Non-Variable
Credit Card Balance Transfer for balances transferred to a Beginnings Rewards card.
Intro rate expires: 12 months; Regular APR: 13.40%-21.00% variable
As Low As; Intro rate expires: 12 months; Regular APR: null
As Low As
12 Month Promo Rate - Variable rates thereafter
Intro rate expires: 6 months
Intro rate expires: March 2027; Regular APR: current rate
Intro rate expires: 3/31/2027; Regular APR: 7.45% - 16.95%
Regular APR: 9.90%
Intro rate expires: 12 months; Regular APR: 7.99% - 14.99%
Intro rate expires: 11/15/25 and 2/15/26; Regular APR: As low as 10.90%
Intro rate expires: 12 months; Regular APR: 15.50% - 26.00%
Intro rate expires: 12 months; Regular APR: 15.50% - 26.00%
Intro rate expires: 12 months; Regular APR: 14.40%-21.00% variable APR+
Intro rate expires: 03/31/2026; No Balance Transfer Fees!
As Low As
As Low As; No Balance Transfer Fee. Must be used to transfer credit cards from other financial institutions and cannot be used to pay off existing GWFCU credit cards. Promotional rate is on transferred balance only - new charges will be at current MC rate.
Intro rate expires: 12 months; Regular APR: prevailing rate
Intro rate expires: 12 months; Regular APR: 13.90% for Classic, 12.90% for Share Secured or 11.80% for Platinum
Regular APR: 6.96% - 14.96% based on creditworthiness
Balance Transfer Credit Card APR Trend
Daily national average APR for balance transfer credit cards
Daily averages compiled from our database of 8,500+ banks and credit unions — updated daily.
Balance transfer credit card APRs rose 0.173 points to 11.12%, up from 10.95% last week.
Frequently Asked Questions about Balance Transfer Credit Cards
What is a balance transfer credit card?
Is there a fee for balance transfers?
How long does a balance transfer take?
Will a balance transfer hurt my credit score?
What happens after the promotional period ends?
Top Balance Transfer Credit Cards Today
- First Heritage Federal Credit Union: 1.99% APR (VISA BALANCE TRANSFER)
- Utilities Employees Credit Union: 1.99% APR (Visa Balance Transfer - New Cardholders)
- 1st Advantage Federal Credit Union: 1.99% APR (Business Credit Card Balance Transfer Special)
- 1st Advantage Federal Credit Union: 1.99% APR (Credit Card Balance Transfer Special)
- Mutual Savings Credit Union: 1.99% APR (Visa® Balance Transfer Special)
More Credit Card Options
