Best Credit Cards for Balance Transfers in November 2026
Updated: Nov 11, 2026 at 7:26 PM EST
A Balance Transfer Credit Card can be a powerful tool for paying down debt, especially if you already carry a significant balance on a high-interest credit card. By moving your debt to a new card with a 0% introductory APR on balance transfers, you can avoid interest charges for a promotional period – typically 15 to 21 months. That gives you more time to pay down your balance without accumulating additional interest, helping you make faster progress toward becoming debt-free. Lower credit card balances may also improve your credit score by reducing your credit utilization.
Before applying, consider the balance transfer fee. Most cards charge 3% to 5% of the amount transferred – that’s $150 to $250 on a $5,000 transfer. Also, the 0% introductory APR usually applies only to transfers completed or requested within a specified period after opening the account. This window varies by issuer, so check the terms carefully and don’t wait too long. Keep in mind that you generally can’t transfer a balance between credit cards issued by the same bank. For example, Chase debt can’t be transferred to a Chase Slate® card, and Citi debt can’t be moved to a Citi Simplicity® card.
