1.Wells Fargo Reflect® Card
Wells Fargo
- No rewards breakdown available
0% intro APR for 21 months from account opening on new purchases and qualifying balance transfers.
The Wells Fargo Reflect® Card does not offer a standard rewards program, sign-up bonus, or cash-back percentage on everyday spending.
17.49%-28.24% Variable APR
The Wells Fargo Reflect® Card stands out as a top choice for those looking to manage debt with its long 0% intro APR period, making it ideal for balance transfers and large purchases.
Pros:
- No annual fee
- Long 0% intro APR period
Cons:
- No rewards program
- Limited benefits for everyday spending
2.U.S. Bank Shield™ Visa® Card
U.S. Bank
- 4%Cash back on prepaid air, car and hotel reservations in the Travel Center
The U.S. Bank Shield™ Visa® Card does not offer a standard welcome points or cash back bonus.
The U.S. Bank Shield Visa Card offers a narrow rewards structure focused mainly on travel bookings and account longevity rather than everyday spending.
16.99%-27.99% Variable APR
What sets the U.S. Bank Shield™ Visa® Card apart is its focus on long-term financing with a competitive intro APR, making it a solid choice for those looking to manage larger purchases.
Pros:
- No annual fee
- Long intro APR period
Cons:
- Limited rewards categories
- No standard welcome bonus
- No rewards breakdown available
The Citi® Diamond Preferred® Card does not offer a sign-up bonus or welcome offer.
The Citi® Diamond Preferred® Card does not offer any cash back, points, or miles rewards on purchases.
16.49%-27.24% Variable APR
The Citi® Diamond Preferred® Card is the best option for those focused on paying down debt, offering one of the longest intro APR periods available without any annual fee.
Pros:
- No annual fee
- Long intro APR on balance transfers
Cons:
- No rewards program
- No welcome bonus
4.Slate® Credit Card
Chase
- No rewards breakdown available
The Chase Slate Credit Card does not offer a traditional cash back or points welcome bonus.
The Chase Slate® Credit Card does not offer a rewards program, cash back, or welcome bonus.
18.24%-28.24% Variable APR
The standout feature of the Chase Slate® Credit Card is its lengthy 0% intro APR period, making it an excellent choice for those looking to manage debt without incurring interest.
Pros:
- No annual fee
- Long 0% intro APR period
Cons:
- No rewards program
- Limited benefits for everyday spending
5.Chase Freedom Unlimited®
Chase
- 5%Cash back on travel purchased through Chase Travel
- 3%Cash back on dining and drugstores
- 1.5%Cash back on all other purchases
Earn a $200 cash bonus after you spend $500 on purchases in the first 3 months from account opening.
The Chase Freedom Unlimited card earns a flat 1.5% to 5% cash back on purchases with no annual fee.
18.24%-27.74% Variable APR
The Chase Freedom Unlimited® earns the #1 spot due to its versatile cash back structure, allowing cardholders to earn up to 5% back on travel and 3% on dining, making it a top choice for everyday spending.
Pros:
- No annual fee
- High rewards on travel and dining
Cons:
- Variable APR can be high
- Limited to certain categories for higher rewards
6.Blue Cash Everyday® Card from American Express
American Express
- 3%Cash back at U.S. Supermarkets
- 3%Cash back at U.S. Gas Stations
- 3%Cash back on U.S. Online Retail purchases
The American Express Blue Cash Everyday Card currently offers a welcome bonus as high as $200 cash back after you spend $2,000 in purchases within the first 6 months of card membership.
The Blue Cash Everyday® Card from American Express earns 3% cash back on everyday categories like groceries, gas, and online shopping with a $0 annual fee.
19.49%-28.49% Variable APR
The Blue Cash Everyday® Card from American Express shines for its high cash back rates on essential spending categories, making it an excellent choice for families and everyday shoppers.
Pros:
- No annual fee
- High cash back on everyday spending
Cons:
- Spending cap on higher rewards
- Limited to specific categories
7.Citi Double Cash® Card
Citi
- 2%Cash back on all purchases
The Citi Double Cash Credit Card offers a sign-up bonus of $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.
The Citi Double Cash Card earns an unlimited 2% cash back on all purchases—1% when you buy and an additional 1% as you pay for those purchases.
18.24%-28.49% Variable APR
The Citi Double Cash® Card is a standout for its straightforward cash back structure, allowing cardholders to earn a total of 2% on every purchase, making it a reliable choice for consistent earners.
Pros:
- No annual fee
- Unlimited cash back on all purchases
Cons:
- No bonus categories
- Requires payment to earn full rewards
Final Words
As you consider the best balance transfer credit cards this September, remember that the right choice hinges on your financial needs and goals. Take time to compare your options carefully to ensure you select a card that aligns with your strategy for managing debt effectively.
Frequently Asked Questions
The Wells Fargo Reflect® Card offers a 0% intro APR for 21 months from account opening on new purchases and qualifying balance transfers. However, it does not offer a standard rewards program, sign-up bonus, or cash-back percentage on everyday spending.
The U.S. Bank Shield™ Visa® Card offers a narrow rewards structure focused mainly on travel bookings and account longevity rather than everyday spending. Specifically, it provides 4% cash back on prepaid air, car, and hotel reservations in the Travel Center.
The Citi® Diamond Preferred® Card does not offer a sign-up bonus or welcome offer. This card is primarily designed for those seeking a long-term low APR rather than rewards or bonuses.
Balance transfer credit cards can be worth it if you are looking to save on interest payments while paying down debt. They often provide a 0% APR introductory period, allowing you to focus on paying off your balance without accruing interest.
When choosing a balance transfer card, consider the length of the intro APR period, any balance transfer fees, and the ongoing APR after the intro period ends. Additionally, evaluate whether the card offers any rewards or benefits that align with your spending habits.
Many balance transfer cards do not charge annual fees, making them a cost-effective option for those looking to manage debt. However, always check the specific terms and conditions of each card to ensure you understand any applicable fees.
Applying for a balance transfer credit card typically involves filling out an online application and providing personal financial information. Once approved, you can initiate balance transfers from existing credit accounts directly through the new card issuer.
