Best Balance Transfer Credit Cards — August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
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Top balance transfer credit cards currently available include: Altamaha Federal Credit UnionAltamaha Federal Credit Union442 E Cypress St, Screven, GA, 31560A+5.0 ★Texas Ratio: 3.88%'s VISATM Credit Card Balance Transfer has an APR of 1.99%, Albright Credit UnionAlbright Credit Union2 Stony Hill Rd Ste 100, South Boston, MA, 06810A5.0 ★Texas Ratio: 10.36%'s Credit Card - Balance Transfers has an APR of 1.99%, Greater Niagara Federal Credit UnionGreater Niagara Federal Credit Union2901 MILITARY RD, NORTH TONAWANDA, NY, 14304 1251A+5.0 ★Texas Ratio: 4.80%'s VISA ® Balance Transfer has an APR of 2.34%, Westerra Credit UnionWesterra Credit Union8555 W Belleview Ave Ste F17, Parker, CO, 80238A+5.0 ★Texas Ratio: 3.44%'s Business Visa Balance Transfer has an APR of 2.99%, and TNConnect Credit UnionTNConnect Credit Union6211 Middlebrook Pike, Seymour, TN, 37909A+5.0 ★Texas Ratio: 5.41%'s Credit Card Balance Transfers has an APR of 2.99%. Rates as of August 28, 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: August 28, 2026
Compare Balance Transfer Credit Card Rates Nationwide
Introductory rate for balance transfers
Intro rate expires: 12 months; Regular APR: 7.99% - 17.99% depending on your Visa Account Terms. Special offer valid through 6/30/26. No balance transfer fee. Balance transfers are subject to available credit.
Bring Us Your Balance
Intro rate expires: 12 months; Regular APR: 12.40%-21.00% variable APR+
Intro rate expires: 12 billing cycles; Regular APR: N/A; No balance transfer fees
balance transfer
Intro rate expires: 12 months; Regular APR: 13.40%-21.00% variable APR+ | Rate stated as: 3.90% intro rate for first 12 months^ then 13.40%-21.00% variable APR+
No additional details provided.
Intro rate expires: 12 months; Regular APR: **
Intro rate expires: 6 months
Rewards Card (as low as) With Rewards 8.90% No Rewards 7.90% Balance transfer (as low as) With Rewards 5.90% No Rewards 4.90% As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice. See VISA Credit Card Application Disclosure and Agreement for details
Annual Percentage Rate (as low as)
Intro rate expires: 1 year; Regular APR: 8.9%
Intro rate expires: 12 months
Fixed rate for the full repayment of the transferred amount.
Regular APR: 9.90% APR
Intro rate expires: life of the transfer balance; Regular APR: 9.90%
Rate for the life of the transfer balance. New purchases or advances using your Central Maine Federal Credit Union card would be at a low 9.90% APR.
No additional details provided.
Intro rate expires: 12 months; Regular APR: 7.99% - 14.99%. *APR = Annual Percentage Rate. Annual Percentage Rates current as of date listed above and are subject to change. Rates may vary based on credit history, term, and collateral.
Intro rate expires: 12 months; Regular APR: 14.40%-21.00% variable APR+
Regular APR: 18.0%; Balance transfer fee: 3.0% on the transfer amount
Rewards Card (as low as) With Rewards 8.90% No Rewards 7.90% Balance transfer (as low as) With Rewards 5.90% No Rewards 4.90% As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice. See VISA Credit Card Application Disclosure and Agreement for details
Annual Percentage Rate (as low as)
Intro rate expires: 12 months; Regular APR: 13.90% (Classic), 12.90% (Share Secured), or 11.80% (Platinum)
based on creditworthiness
Transfer the balances of your existing high interest credit cards.
No Fees
$7,500 Maximum; NO Annual Fee; NO Minimum Finance Charge; 25 Day Grace Period; Late Payment Fee: $10.00; Over the Limit Fee: $10.00
No additional details provided.
Regular APR: 10.8% - 15.8%
No balance transfer fee; Intro rate expires: N/A; Regular APR: N/A
Balance Transfer Credit Card APR Trend
Daily national average APR compiled from 1,558 banks & credit unions — updated daily.
APRs rose 0.027 pts to 11.62%, up from 11.59% last week.
Averages from 2,792 APR quotes across 1,558 institutions • As of Aug 29, 2026
What Is a Balance Transfer Credit Card?
A balance transfer credit card allows you to move existing high-interest debt from one or more cards onto a new card, ideally at a lower ongoing APR. Many cards offer promotional low or 0% APR periods for transferred balances, giving you time to pay down principal without accruing interest.
Credit unions frequently offer balance transfer cards with competitive ongoing APRs and lower balance transfer fees than large bank issuers. After any introductory period ends, the ongoing APR is what determines your long-term cost, making it the most important figure to compare.
When evaluating a balance transfer offer, look at the ongoing purchase APR (not just the promo rate), the balance transfer fee, the length of any promotional period, and the penalty APR. MonitorBankRates displays these alongside Safety Grades and financial health metrics.
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: We aggregate balance transfer credit card APRs nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology. By pulling data straight from institutions’ own digital properties and manually verifying rates daily, every APR on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems monitor 8,500+ banks and credit unions across all 50 states. Balance transfer offers vary widely by institution and location — using the state filter is highly recommended to surface the best options available in your area.
Daily Updates & Time-Stamped Accuracy: Our rate team verifies and updates credit card APRs daily. Every product listed features its own specific “last updated” date. Introductory balance transfer rates and fees, where disclosed, appear in the product details panel.
Proprietary Institution Health & Safety Grades: MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective FDIC and NCUA regulatory data — including the Texas Ratio — ensuring you choose financially secure institutions.
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
- Altamaha Federal Credit Union: 1.99% APR (VISATM Credit Card Balance Transfer)
- Albright Credit Union: 1.99% APR (Credit Card - Balance Transfers)
- Greater Niagara Federal Credit Union: 2.34% APR (VISA ® Balance Transfer)
- Westerra Credit Union: 2.99% APR (Business Visa Balance Transfer)
- TNConnect Credit Union: 2.99% APR (Credit Card Balance Transfers)
More Credit Card Options
