Best Visa Balance Transfer Credit Cards
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Visa balance transfer credit cards represent a sizable portion of all the balance transfer cards on the market, given that Visa is one of the world’s largest card networks. So this is a good place to... show more
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Here are the best Visa balance transfer credit cards:
- 0% intro for 21 months from account opening on qualifying balance transfers: Wells Fargo Reflect® Card
- 0% for 18 months: Comerica Bank Visa® Platinum Card
- 0% for 15 months: PNC Core Visa® Credit Card
- 0% for 18 billing cycles: U.S. Bank Visa® Platinum Card
VISA BALANCE TRANSFER CREDIT CARDS
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- No membership fees
- 0% intro APR on purchases
- 0% intro APR on qualifying balance transfers
- Reports to the three major credit bureaus
- No rewards
- No initial rewards bonus
- Balance transfer fee
- High regular APR
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
- High regular APR
- Foreign transaction fee
- Balance transfer fee
- No membership fees
- 0% intro APR on balance transfers
- High rewards rate
- $200 initial rewards bonus
- Above-average regular APR
- Earn rate: 1.5 - 5% cash back
- 0% for 15 months on purchases and balance transfers
- $0 annual fee
- Balance transfer fee
- Foreign transaction fee
- Potential for a high regular APR
- No membership fees
- 0% intro APR on balance transfers
- High rewards rate
- $100 initial rewards bonus
- No intro APR on purchases
- Balance transfer fee
- Foreign fee
- Requires excellent credit
- No annual fee
- Low regular APR
- No foreign transaction fees
- No ongoing rewards
- No membership fees
- 0% intro APR on balance transfers
- No rewards
- No initial rewards bonus
- No intro APR on purchases
- Balance transfer fee
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- High regular APR
- Foreign fee
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- High regular APR
- Foreign fee
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- High regular APR
- Foreign fee
What is the best Visa balance transfer credit card?
The U.S. Bank Visa® Platinum Card is the best Visa balance transfer credit card available right now. It offers a 0% intro APR and a transfer fee of 3% intro fee ($5 min) for each transfer in first 60 days, after that 5% ($5 min) for each transfer*. It doesn’t charge an annual fee, either, and requires only good credit for approval. Many of the other top transfer cards demand excellent credit.
But U.S. Bank Platinum may not be the best balance transfer Visa for everyone. Some cards offer 0% intro rates for longer, which may suit people with a longer debt repayment timeline. So we recommend using a balance transfer calculator to see which of the top cards’ terms best suit your needs. WalletHub’s editors identified the top offers by comparing all of the Visas in our database of 1,000+ cards based on their balance transfer rates and fees.
Here are the best Visa balance transfer credit cards
Intro Transfer APR | Card Name | Balance Transfer Fee | Regular APR | Annual Fee | Min. Credit Required |
0% for 21 months from account opening on qualifying balance transfers | Wells Fargo Reflect® Card | 5% (min $5) | 18.24% - 29.99% Variable | $0 | Good |
0% for 18 months | Comerica Bank Visa® Platinum Card | 5% (min $5) | 18.24% - 29.24% (V) | $0 | Excellent |
0% for 15 months | PNC Core Visa® Credit Card | 3% (min $5) | 18.24% - 30.24% (V) | $0 | Excellent |
0% for 18 billing cycles | U.S. Bank Visa® Platinum Card | 3% intro fee ($5 min) for each transfer in first 60 days, after that 5% ($5 min) for each transfer* | 18.74% - 29.74% (V) | $0 | Good |
0% for 15 billing cycles for any balance transfers made in the first 60 days | Bank of America® Customized Cash Rewards credit card | 3% for 60 days from account opening, then 4% | 18.24% - 28.24% Variable | $0 | Excellent |
A credit card’s network doesn’t really affect its balance transfer capabilities. So we also recommend checking out the best overall balance transfer credit cards to ensure you find the ideal deal.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Questions & Answers
Comparing visa balance transfer credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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Important Disclosures
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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