Best Balance Transfer Credit Cards — June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Top balance transfer credit cards currently available include: Washington Business BankWashington Business Bank223 5th Ave Se, Olympia, WA, 98531A+5.0 ★Texas Ratio: 1.90%'s Visa Balance Transfers has an APR of 1.99%, We Florida Financial Credit UnionWe Florida Financial Credit Union9560 Pines Blvd, Sunrise, FL, 33351A+5.0 ★Texas Ratio: 4.14%'s Rewards Credit Card Balance Transfers has an APR of 1.99%, First Heritage Federal Credit UnionFirst Heritage Federal Credit Union501 Gardner Rd, Wellsboro, PA, 16933 9586A+5.0 ★Texas Ratio: 2.17%'s VISA 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 Transfer Special has an APR of 1.99%, and 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%. Rates as of June 27, 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: June 27, 2026
Compare Balance Transfer Credit Card Rates Nationwide
Intro rate expires: through June 2027; Regular APR: 10.45% - 22.45%; pay no balance transfer fee
Intro rate expires: 12 Months; Regular APR: The APR may vary monthly based on the Prime Rate.
introductory
Intro rate expires: 12 months; Regular APR: 7.99% - 17.99%. This offer is based on credit approval and the actual APR may vary between 5.99% and 9.99% depending on your credit score. No balance transfer fee applies. After 12 months the APR reverts back to your standard purchase rate which varies between 7.99% - 17.99% depending on your Visa Account Terms. Balance transfers are subject to available credit and this special offer expires on 6/20/2026. Please ask Credit Union for full details.
No additional details provided.
Intro rate expires: 6 monthly billing cycles; Starting on the seventh month, the promotional rate will convert to your standard rate. Not eligible for CU Rewards Points and may not be used to pay other Arbor Financial accounts. Promotion, rate, terms and conditions subject to change without notice.
For the LIFE of transactions made before 7/31/26
Balance Transfers AND Purchases; Intro rate expires: 07/31/2026
Promotional rate valid on qualifying balance transfers for 12 months from the date of transfer. Rate reverts to standard APR after the promotional period. Term and conditions apply.
Intro rate expires: 12 months; Regular APR: 13.40%-21.00% variable APR+
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Lock in 3.99% on balance transfers.
Available October 1st, 2025, through December 1st, 2025. Transfer a balance from an existing high rate credit card.
Intro rate expires: 12 months; Regular APR: **
Intro rate expires: 6 months
Intro rate expires: 1 year; Regular APR: 8.9%; No balance transfer fee; No annual fee
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.
As Low As
($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
Transfer Your Balances and Save!
Fixed Rate based on your creditworthiness when you open your account.
No additional details provided.
Regular APR: 10.8%, 15.8%
Intro rate expires: 1 year; Regular APR: 12.9%; No balance transfer fee; No annual fee
No additional details provided.
Intro rate expires: N/A; Regular APR: 10.99%
Based on your creditworthiness.
Based on your creditworthiness.
This APR will vary with the market based on the Prime Rate
Balance Transfer Credit Card APR Trend
Daily national average APR compiled from 1,075 banks & credit unions — updated daily.
APRs rose 0.036 pts to 11.28%, up from 11.24% last week.
Averages from 1,824 APR quotes across 1,075 institutions • As of Jun 28, 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
- Washington Business Bank: 1.99% APR (Visa Balance Transfers)
- We Florida Financial Credit Union: 1.99% APR (Rewards Credit Card Balance Transfers)
- First Heritage Federal Credit Union: 1.99% APR (VISA BALANCE TRANSFER)
- Albright Credit Union: 1.99% APR (Credit Card Balance Transfer Special)
- Greater Niagara Federal Credit Union: 2.34% APR (VISA Balance Transfer)
More Credit Card Options
